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1992 Survey of Consumer Finances
Here: Question Text, Variable Names, & Responses
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QUESTION TEXT, VARIABLE NAMES, & RESPONSES

Sections
  1. Control File Variables/Weights
  2. Household Listing
  3. Financial Institutions
  4. Credit Cards
  5. Principal Residence and Lines of Credit
  6. Real Estate and Loans to Others
  7. Businesses
  8. Vehicles
  9. Education Loans
  10. Other Loans
  11. Expectations and Attitudes
  12. Financial Assets
  13. Employment and Pensions
  14. Income, Taxes, Support
  15. Inheritances, Charity
  16. Demographics, Health Insurance
  17. Independent HH Members
  18. Interviewer Observations



IMPORTANT NOTE: not all variables listed below appear in the public use dataset -- see list of included variables (Public Data Set Variable List) near the end of this file.

IMPORTANT NOTE: there is SAS code for defining assets, debt, and net worth (Net Worth Program) at the very end of this file.


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

               SAS CODE for rounding of dollar amounts



*                  rounding dollar amounts;

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


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



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

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


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


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

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


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


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


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

           .N  NA


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


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

30501    Field manager ID number from SMS


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


4          Day case logged in.

           1-31


3          Month case logged in.

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


8095       Year case logged in
           1992.
           1993.


9          List sample indicator.

           1.  List sample case
           0.  Not list sample case


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

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


30002      Number of cases in PSU.

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


30003      Number of ineligible cases in PSU.

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


30004      Number of completed cases in PSU.

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


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

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


30006      Sample disposition code.

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


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

           0.  Inap. (not a list sample case)


30008      List sample design weight.

           0.  Inap. (not a list sample case)


30009      List sample wealth-index stratum number.

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


30016      Number of sample cases in list stratum.

           0.  Inap. (not a list sample case)


30017      Number of ineligible list sample cases in stratum.

           0.  Inap. (not a list sample case)


30018      Number of completed list sample cases in stratum.

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


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

           0.  Inap. (not a list sample case)


30012      Number of area-probability sample cases in PSU.

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


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

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


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

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


30015      Unadjusted area probability sample design weight

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


30021      Area probability segment number

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


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

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


30022      Census region

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

30074      9-level Census Division Code

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

30026      Reinterview status for cases with ineligible data.

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


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

30030      State where PSU is located
           Standard two-character code

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

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


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


X42000      Original Kennickell-Woodburn consistent weight.  


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


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

As noted in the introduction, there are two additional data files
which contains replicate weights and multiplicity factor to be used in
estimating sampling variances.  The files correspond to the main
weights X42000 and X42001.

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

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


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

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

           1. Reversed
           5. Not reversed


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

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



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

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


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

           Code total # of persons in HHL


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


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



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



            HHL1.  (ASK OF ALL PERSONS 18 AND OLDER, EXCEPT SPOUSE)  (Are
                   you/Is [RELATIONSHIP] currently married or living with a
                   partner, separated, divorced, widowed, or (have you/has
                   [he/she]) never been married?  (RECORD IN COL. D. ABOVE.)
8023(#1)    HHL-D. MARITAL STATUS                                             
105(#2)
111(#3)            1.  (M) Married                                          
117(#4)            2.  (P) Living with a partner      If Person is 17 or    
123(#5)            3.  (S) Separated                  less, assume marital  
129(#6)            4.  (D) Divorced                   status=6, do not code 
135(#7)            5.  (W) Widowed                    NA for persons 0-17.  
205(#8)            6.  (NM) Never married                                   
211(#9)            7.  Married but spouse in institution (nursing home/jail)
217(#10)               or outside U.S. (not available to be sampled       
223(#11)               elsewhere)                                         
229(#12)           8.  Married but spouse not current resident of HU or in
                       institution (eligible for sampling at another residence)
                  12.  Corresponds to 7 for spouse field
                  13.  Corresponds to 8 for spouse field
                   0.  Inap. (Person not over 18; no further persons)
                   For the public use tape, responses of 7, 8, 12, and 13 are
                   set to 1.


            HHL2.  (ASK FOR ALL PERSONS 18 YEARS AND OLDER, EXCEPT RESPONDENT
                   AND SPOUSE)  Does (he/she) usually live here?  (RECORD IN
                   COL. E. ABOVE.)
8024(#1)    HHL-E. USUALLY LIVES HERE?                                        
106(#2) 
112(#3)            1.  YES (incl. R and Spouse/Partner)                   
118(#4)            2.  Child (17 and under) living in HU for part of each 
124(#5)                year                                               
130(#6)            5.  NO    
136(#7)            0.  Inap.  (Person not over 18; no further persons)
206(#8)
212(#9)
218(#10)
224(#11)
230(#12)


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


            HHL4.  (ASK ABOUT ALL [related] ADULTS 18 YEARS AND OLDER EXCEPT
                   RESPONDENT AND SPOUSE)  Does (RELATIONSHIP) depend on you
                   (and your [husband/wife/partner]) for most of
                   (his/her) support or is (he/she) financially
                   independent for the most part?  
                   (RECORD IN COL. F. ABOVE.)
8098(#1)    HHL-F.
107(#2) 
113(#3)            1.  FINANCIALLY DEPENDENT
119(#4)            5.  FINANCIALLY INDEPENDENT                         
125(#5)            0.  Inap. (Person not over 18; no further persons)
131(#6)
137(#7)
207(#8)
213(#9)     
219(#10)    
225(#11)
231(#12)


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

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

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

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

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


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

                   Code NUMBER
                   -1.  NONE


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

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


307         A5.11   # OF INSTITUTIONS (FROM A5)

                   Code NUMBER
                   0.  Inap. (No institutions listed)


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


               FINANCIAL INSTITUTIONS MASTER REFERENCE LIST

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



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



310(#1)     A8.    Roughly, how many miles is the office or cash machine of 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
                  992.  FOREIGN LOCATION
                  993.  LOCATED AT WORK
                   -1.  LESS THAN A MILE
                   -7.  LOCAL PHONE OR POST BOX
                    0.  Inap. (No institutions listed, no further
                        institutions)


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


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

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

                    1.  YES
                    5.  NO


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


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

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

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


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

                    1.  YES
                    5.  NO


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

411 (#1)    B5.1   How many different (EXAMPLE) credit cards do you
                   (and your family living here) have? 
419 (#2)           (READ ONCE:  Please do not count duplicate cards for the
422 (#3)           same account or any business or company accounts.)         
425 (#4)
428 (#5)
                   Code # ACCTS
                   -1.  NONE
                   .S.  SOME, DK HOW MANY
                    0.  Inap. (No credit cards)


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


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


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

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

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

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

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


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


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

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

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

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


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


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

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

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

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


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

501         D1.    INTERVIEWER CHECKPOINT: WHERE DOES R LIVE?

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


R LIVES ON FARM/RANCH


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

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


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

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


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

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


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

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


506         D3.2   PER                                                        

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


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

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

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

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



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

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


R OWNS ENTIRE FARM


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

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


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

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


511         D5.2.  PER                                                        

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


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

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



FARM/RANCH OWNED BY A BUSINESS


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

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


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

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


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

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


R OWNS PART OF FARM/RANCH


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

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


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

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


519         D6.1.  PER                                                        

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


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

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


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

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


522         D7.1.  PER                                                        

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


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

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

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

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


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

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


R LIVES IN MOBILE HOME


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

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


R OWNS ONLY SITE


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

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


603         D11.1  PER                                                        

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


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

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


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

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


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

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

608         D11.3  INTERVIEWER CHECKPOINT: GIFT/INHERITANCE   

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

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

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



R NEITHER OWNS NOR RENTS MOBILE HOME


609         D11.5  How is that?                                               

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


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

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


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

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


R OWNS ONLY MOBILE HOME


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

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


613         D12.   PER                                                        

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


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

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


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

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


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

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


618         D12.2  INTERVIEWER CHECKPOINT: GIFT/INHERITANCE

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


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

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




R RENTS MOBILE HOME AND SITE


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

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


620         D13.   PER                                                        

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


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

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


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

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



R OWNS BOTH MOBILE HOME AND SITE


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

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


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

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


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

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


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

628         D15.1  INTERVIEWER CHECKPOINT: GIFT/INHERITANCE  

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


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

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


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

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

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


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

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

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

632         D15.3  GIFT/INHERITANCE                                           

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

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

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


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

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

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


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

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

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

636         D15.5  GIFT/INHERITANCE                                           

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

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


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

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

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


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

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


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


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


703         D16.2  How much are your fees?

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


704         D16.2  PER                                                        

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


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


R NEITHER OWNS NOR RENTS
    


705         D16.4  How is that?                                               

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


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

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


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

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



R PAYS RENT


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

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


709         D17.   PER                                                        

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


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


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

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


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

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


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

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


R LIVES IN MULTIPLE HU STRUCTURE


702         D16a.  INTERVIEWER CHECKPOINT: OBSERVATION                        

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


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

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


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

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


ALL HOMEOWNERS EXCEPT MOBILE HOMES/FARMS OWNED BY A BUSINESS


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

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


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

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


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

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

718         D20.   GIFT/INHERITANCE                                           

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

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

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



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

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


722         D22.   PER                                                        

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


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

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

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


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

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


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

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


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

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


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

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


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

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


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

                   CREDIT TERMS/COST OF LOAN

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




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

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


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

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


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

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


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

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


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

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


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

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


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

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


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


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

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


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


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

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



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

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


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

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


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

                   Code actual amount

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


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

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


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


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

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


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

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


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

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


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

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


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



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

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


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

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



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

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



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

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


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

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


824(1)      D39.3  PER                                                        

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



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


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

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



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

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



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

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




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

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


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

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

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

                   1.  YES
                   5.  NO


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

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


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

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

7562        D69    # OF LINES OF CREDIT


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

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


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

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

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

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


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

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



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

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


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


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


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


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


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

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

9087        R:       Type of institution
9088
9089

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



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


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

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


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

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

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


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

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


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

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

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

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


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

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


1225        D67.1  PER                                                        

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


Top of Page
-----------------------------------------------------------------------------
LAND CONTRACTS AND NOTES FOR REAL ESTATE SALES
-----------------------------------------------------------------------------

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

                   1.  YES
                   5.  NO


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

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


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

                   Code # NOTES/LAND CONTRACTS/MORTGAGES 

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


LOAN/LAND CONTRACT



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


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


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

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


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

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


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

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


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

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


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

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


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

                   Code actual amount

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


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


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

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


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

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


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

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


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


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

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


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

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


            E12    INTERVIEWER: IS THERE ANOTHER LOAN/LAND CONTRACT?




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

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


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

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


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

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


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

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

                   1.  YES
                   5.  NO



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

                   1.  YES
                   5.  NO



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

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



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

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

                   LOTS/LAND

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


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

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


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

                   Code PERCENT to 2 decimal places
                   10000.  ALL
                       0.  Inap. (No property, no additional property)


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

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


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


1710        E19.   CHECKPOINT: GIFT/INHERITANCE                        
1810
1910

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



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


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




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


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


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


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


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


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


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


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


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


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


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

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


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

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


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


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

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


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


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

                   Code YEAR

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



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


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


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

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


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

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


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


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

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


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

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


            E35   INTERVIEWER: IS THERE ANOTHER PROPERTY?




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

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


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

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


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

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


2004        E36.2  GIFT/INHERITANCE                                           

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


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

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


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

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


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

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


2008       E36.5  PER                                                        

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


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

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


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

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


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

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


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

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


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

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


2014        E37.1  GIFT/INHERITANCE                                           

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


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

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


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

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


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

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


2018        E37.4  PER                                                        

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


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

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


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

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


Top of Page
_____________________________________________________________________________
BUSINESSES
-----------------------------------------------------------------------------


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

                   1.  YES
                   5.  NO


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

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


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

 


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

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


3106        F5      # OF BUSINESSES



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

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


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

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






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


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




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

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

3113        F9.2   A. R                                                       
3213
3313

3114        F9.2   B. SPOUSE                                
3214
3314

3115        F9.2   C.  ADULT CHILD
3215
3315    

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

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



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

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


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


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

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


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



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



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


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


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


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


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


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


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


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

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



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

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

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


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


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




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


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

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


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

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


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

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


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

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


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

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


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

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

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



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

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



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

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


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

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



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


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


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

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



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



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

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


Top of Page
-----------------------------------------------------------------------------
VEHICLES
-----------------------------------------------------------------------------

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

                   1.  YES
                   5.  NO


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

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


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

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

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


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

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

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


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


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

                   Code YRS
                   0.  Inap. (No leased vehicles)


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

                   Code MOS
                   0.  Inap. (No leased vehicles)


2109        G6     INTERVIEWER: IS THERE ANOTHER VEHICLE?
2116


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

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


2118        G6.1   PER                                                        

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


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

                   1.  YES
                   5.  NO


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

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


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

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

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


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


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



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

                       Code Year
                   0.  Inap. (No owned vehicles)

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

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


FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"


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

                   1.  YES
                   5.  NO


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

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


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

                   1.  YES
                   5.  NO
                 

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

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


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


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

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


            G39    INTERVIEWER: IS THERE ANOTHER VEHICLE?



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

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


FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"




Top of Page
-----------------------------------------------------------------------------
EDUCATION LOANS
-----------------------------------------------------------------------------


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

                   1.  Yes    
                   5.  No

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

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

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

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

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

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

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


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


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

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

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

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

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

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


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

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

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



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

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




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


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


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


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


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


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


Top of Page
-----------------------------------------------------------------------------
CONSUMER LOANS
-----------------------------------------------------------------------------

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

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



     SECTION I.    OTHER LOANS   

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

                   1.  YES
                   5.  NO


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


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

                   Code TOTAL #                                               
                   -1.  NONE


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



                          LOAN PURPOSE MASTER CODE

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

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

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

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

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

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

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

            69.  Other outdoor recreation items; horse

            SAVINGS AND INVESTMENTS

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

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

            79.  Other investments


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

            89.  Other special expenses; encyclopedia; health membership

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

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



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

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


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

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

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


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

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



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

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

                   Code actual amount
                   0.  Inap. (No loan)



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

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

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


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

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

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


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

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

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


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



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

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

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

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

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


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

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

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


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

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

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



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

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

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


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

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

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


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

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

                   Code actual amount
                   0.  Inap. (No loan)


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

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

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



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

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




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



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

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

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


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

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

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




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

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

                   1.  YES
                   5.  NO


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

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


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

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


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

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

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

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


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


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




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



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


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


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



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

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


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

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


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

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


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

                   1.  YES
                   5.  NO


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

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

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


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



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


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


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


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


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


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


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


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

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


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

                   1.  YES
                   5.  NO


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

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


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


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


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

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


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


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


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


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


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

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



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

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


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

                   1.  YES
                   5.  NO


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

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


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

                   Code actual amount
                   0.  Inap. (No CDs)


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

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


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



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

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




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

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

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

                   1.  YES
                   5.  NO


3802        N23.1  Altogether, how many such accounts do you (and your family
                   living here) have?                                         

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


3803(#1)   N24.   (Please look at the Institutions Card.) Is the
3806(#2)          (next) largest account with any of the
3809(#3)           institutions on the Institutions Card, or
3812(#4)           from someplace else?
3815(#5)           (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE:  What type of institution is that?)    
                   (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                   A NEW INSTITUTION IS MENTIONED.)

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


9138 (#1)  R:      Type of institution
9139 (#2)
9140 (#3)
9141 (#4)
9142 (#5)
                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No savings accounts, no further savings
                       accounts)


3804(#1)   N25.    How much is in this account?                               
3807(#2)
3810(#3)           Code actual amount
3813(#4)
3816(#5)
                  -1.  Nothing; zero
                   0.  Inap. (No savings accounts, no further savings
                        accounts)




7621(#1)    N25.1  CHECKPOINT: Check the HHL (page HHL-1). Is R
7623(#2)           married or living with a partner?
7625(#3)
7627(#4)
7629(#5)           1.  YES
                   5.  NO
                   0.  Inap. (No savings accounts, no further savings
                        accounts)




7622(#1)    N25.2  Is this a joint account with your
7624(#2)           (husband/wife/partner), is the account in your
7626(#3)           name, your (husband's/wife's/partner's) name,
7628(#4)           or something else?
7630(#5)
                  1.  JOINT ACCOUNT   
                  2.  RESPONDENT'S ACCOUNT
                  3.  SPOUSE'S ACCOUNT
                  5.  CHILD ONLY    
                  6.  CHILD AND RESPONDENT'S/SPOUSE
                  7.  OTHER RELATIVE
                  8.  OTHER RELATIVE WITH RESPONDENT OR SPOUSE
                  9.  UNRELATED PERSON, NFS  
                 10.  UNRELATED PERSON WITH RESPONDENT OR SPOUSE
                 -7.  OTHER
                  0.  Inap. (No savings accounts, no further savings
                      accounts, not married/living with partner)


3805(#1)   N26    INTERVIEWER: Is there another account?
3808(#2)
3811(#3)
3814(#4)           1.  YES
3817(#5)           5.  NO
                   0.  Inap. (No savings accounts, no further savings
                        accounts)



                   0.  Inap. (No savings accounts, no further savings
                        accounts)

3818        N26.1  How much is in all your (family's) remaining such
                   accounts?                                                  

                   Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (No savings accounts, no further savings
                        accounts)


3819        N27.   Do you (or anyone in your family here) have any
                   shares in mutual funds? (IF YES, SAY: Please do not 
                   include any  pension-type, thrift-saving, 401-K, or
                   IRA/Keogh plans, or accounts I have already
                   recorded.)

                   1.  YES
                   5.  NO


3820        N27.1  In how many different mutual funds (do you/does your
                   family) own shares? (INTERVIEWER: WE WANT THE
                   NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT
                   COMPANIES.)
 
                   Code # MUTUAL FUNDS
                   0.  Inap. (No mutual funds)


            N28    I need to know what type(s) of mutual fund(s) (this
                   is/these are)?  (Is it/Are any of them)...
3821        N28.1  Stock Funds                                                
3823        N28.2  (Are any of them) Tax-Free Bond Funds                      
3825        N28.3  (Are any of them) Government or Government backed
                   Bond Funds 
3827        N28.4  (Are any of them) other Bond Funds                         
3829        N28.5  Combination funds or any other mutual funds (INCLUDE 
                   "DK TYPE" HERE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No mutual funds)


            N29   What is the total market value of all of the (TYPE)
                  that you (and your family living here) have?

3822        N29.1  Stock Funds                                                
3824        N29.2  (Are any of them) Tax-Free Bond Funds                      
3826        N29.3  (Are any of them) Government or Government backed
                   Bond Funds 
3828        N29.4  (Are any of them) other Bond Funds                         
3830        N29.5  Combination funds or any other mutual funds (INCLUDE 
                   "DK TYPE" HERE)


                   Code actual amount
                   0.  Inap. (No mutual funds, no TYPE mutual funds)


3831        N30.   Overall has there been a gain or loss in the value
                   of all these mutual fund shares since you (or
                   someone in your family here) obtained them?

                   1.  GAIN
                   3.  NEITHER GAIN NOR LOSS
                   5.  LOSS
                   0.  Inap. (No mutual funds)


3832        N30.1  How much have they gained in value since they were
                   obtained?--PERCENT                                         

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, loss or no change in
                        value of mutual funds)


3833        N30.1  How much have they gained in value since they were
                   obtained?--AMOUNT                                          

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, loss or no change in
                        value of mutual funds)


3834        N30.2  How much have they lost in value since they were
                   obtained?--PERCENT                                         

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, gain or no change in
                        value of mutual funds)


3835        N30.2  How much have they lost in value since they were
                   obtained?--AMOUNT                                          

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, gain or no change in
                        value of mutual funds)


3901        N31.   Do you (or anyone in your family here) have any U.S.
                   government savings bonds?
                   (THESE MAY BE CALLED SERIES EE OR HH.  THEY CAN BE
                   PURCHASED BY PAYROLL DEDUCTION.)                           

                   1.  YES
                   5.  NO


3902        N31.1  What is the total face value of all the savings bonds that
                   you (and your family) have?                                

                   Code actual amount
                   0.  Inap. (No savings bonds)


3903       N32.   Do you (or anyone here) have any other corporate,
                   municipal, government, or other type of bonds or bills? 
                   (IF YES, SAY: Please do not include any bonds or bills
                   held in pension accounts or trusts, or in accounts I have
                   already recorded.)                                         

                   1.  YES
                   5.  NO


3904        N32.1  How many different bonds or bills do you (or your family)
                   own?                                                       

                   Code # BONDS OR BILLS
                   0.  Inap. (No bonds or bills)
                   For the public use tape, the number of bonds is
                   is top-coded at 150.


           N33.    I need to know what type(s) of bond(s) or bill(s)
                   (this is/these are)?  (Is it/Are any of them)...

3905        N33.1  Mortgage-backed bonds such as those from "Ginnie-Mae",
                   "Fannie-Mae" or "Freddie-Mac"                              
3907        N33.2  U.S. Government bonds or Treasury bills                    
3909        N33.3  State or municipal bonds, or other taxfree bonds           
7631        N33.4  Foreign bonds
7632        N33.5  Corporate or any other type of bonds
                   (INCLUDE "DK TYPE" HERE)                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No bonds or bills)




            N34    What is the total face value of all of the (TYPE) that you
                   (and your family living here) have?                        
    
3906        N34.1  Mortgage-backed bonds such as those from "Ginnie-Mae",
                   "Fannie-Mae" or "Freddie-Mac"                              
3908        N34.2  U.S. Government bonds or Treasury bills                    
3910        N34.3  State or municipal bonds, or other taxfree bonds           
7633        N34.4  Foreign bonds
7634        N34.5  Corporate or any other type of bonds
                   (INCLUDE "DK TYPE" HERE)                                   

               Code actual amount
                   0.  Inap. (No bonds or bills, no TYPE bonds or bills)




            N34.6   What is the total market value of all of the 
                    (TYPE) that you (and your family living here) have?    
     


7635        N34.7  Mortgage-backed bonds such as those from "Ginnie-Mae",
                   "Fannie-Mae" or "Freddie-Mac"
7636        N34.8  U.S. Government bonds or Treasury bills                    
7637        N34.9  State or municipal bonds, or other taxfree bonds           
7638        N34.10 Foreign bonds
7639        N34.11 Corporate or any other type of bonds
                   (INCLUDE "DK TYPE" HERE)                                   

               Code actual amount
                   0.  Inap. (No bonds or bills, no TYPE bonds or bills)




3913        N35.   Do you (or anyone in your family living here) own any
                   publicly traded stock?  (IF YES, SAY: Please do not
                   include any stock held through mutual funds, pension
                   accounts or trusts, or in accounts or businesses that I
                   have already recorded.)                                    

                   1.  YES
                   5.  NO


3914       N36.   In how many different companies do you (or your family
                   living here) own stock?                                    

                   Code # COMPANIES
                   0.  Inap. (No publicly traded stock)
                   For the public use tape, the number of companies
                   is top-coded at 150.


3915        N37.   What is the total market value of this stock?              

                   Code actual amount
                   0.  Inap. (No publicly traded stock)


3916        N38.   Overall has there been a gain or loss in the value
                   of this stock since you (or someone in your family
                   here) obtained it?

                   1.  GAIN
                   3.  NEITHER GAIN NOR LOSS
                   5.  LOSS
                   0.  Inap. (No publicly traded stock)


3917       N38.1  How much has it gained in value since it was obtained?
                   --PERCENT                                                  

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, loss or no
                        change in value of publicly traded stock)


3918        N38.1  How much has it gained in value since it was obtained?
                   --AMOUNT                                                   

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, loss or no
                        change in value of publicly traded stock)


3919        N38.2  How much has it lost in value since it was obtained?
                   --PERCENT                                                  

                   Code PERCENT to 2 decimal places
                    0.  Inap. (No publicly traded stock, gain or no
                        change in value of publicly traded stock)


3920       N38.2  How much has it lost in value since it was obtained?
                   --AMOUNT                                                   

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, gain or no
                        change in value of publicly traded stock)


3921        N39.   Of your (family's) stock, is any of it stock in a company
                   where you (or anyone in your family living here)
                   work or have worked?

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock)


3922        N39.1  What is the total market value of this stock in the
                   company?                                                   

                   Code actual amount
                   0.  Inap. (No publicly traded stock, no publicly
                       traded stock in company where work)
                 

7640        N39.2  Of your family's stock, is any of it stock in a
                   company headquartered outside of the United States?


                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock, no publicly
                       traded stock in company where work)


7641        N39.3  What is the total market value in dollars of this
                   stock?


                   Code actual amount
                   0.  Inap. (No publicly traded stock, no publicly
                       traded stock in company where work, company not
                       headquartered outside of U.S.)
                                                              
 
3923        N40.   Do you (or anyone in your family here) have a brokerage
                   account for the purchase or sale of stocks and other
                   securities?                                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock)


3924 (1)    N40.1  (Please look at the Institutions Card.)  (Is
3925 (2)           this/Are these) accounts with any of the
3926 (3)           institutions on the Institutions Card, or from someplace
3927 (4)           else?  (CHECK ALL THAT APPLY.) 
7642 (5)           (IF the Institutions Card: Which institution(s)?)
                   (IF SOMEPLACE ELSE:  What type(s) of institution(s)?)      
                   (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                   A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no further institutions)


9143 (1)   R:      Type of institution
9144 (2)
9145 (3)
9146 (4)
9212 (5)               See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no further institutions)


3928       N40.2  Over the past year, about how many times did you (or
                   anyone in your family living here) buy or sell stocks or
                   other securities through a broker?  (ACCEPT RANGE.)        

                   Code # TIMES
                   -1.  NONE
                    0.  Inap. (No publicly traded stock, no brokerage
                        account) 
                   For the public use tape, the number of time the R
                   traded stock is top-coded at 300.


3929        N40.3  Not including any accounts you've told me about, do you
                   (or anyone in your family living here) have a "cash" or
                   "call money" account at a stock brokerage? 
                   (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY
                   RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS
                   REINVESTED.)                                               

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock, no brokerage account)


3930       N40.4  What is the total dollar value of all the cash or call
                   money accounts that you (and your family living here)
                   have?                                                      

                   Code actual amount
                   -1.  Zero; nothing now
                    0.  Inap. (No publicly traded stock, no brokerage account,
                        no call account)


3931        N40.5  Other than loans you have already told me about, do you
                   (or anyone in your family living here) have any margin
                   loans at a stock brokerage?                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock, no brokerage account)


3932        N40.6  Altogether, what is the current balance on these
                   margin loans?         

                   Code actual amount
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no margin loans)


3933        N41.   Do you (or anyone in your family here) receive income from
                   or have assets in a trust, annuity, or managed investment
                   account that you have not already told me about?  (IF YES,
                   SAY:  Please do not include pension-type accounts, or any
                   assets that I have already recorded.)                      

                   1.  YES
                   5.  NO


            N42.   What are these; are they legal trusts, annuities, or
                   managed investment accounts?  (CHECK ALL THAT APPLY)
3934        N42.1  LEGAL TRUSTS                                               
3935        N42.2  ANNUITIES
3936        N42.3  MANAGED INVESTMENT ACCOUNTS; other non-pension
                   retirement account
3937        N42.4  OTHER:                                                     

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)


3938        N43.   Are any of these set up so that you (or your family living
                   here) are legally entitled only to the income and do not
                   have an equity interest?                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)


3939        N43.1  How much income did (you/your family living here) receive
                   from these income-only trusts, annuities, or accounts in
                   1991?                                                      

                   Code actual amount
                   -1.  ZERO; none yet
                    0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no income-only accounts)


3940        N43.2  Do you (or your family living here) also have annuities,
                   trusts, or managed investment accounts in which you (or
                   your family) have an equity interest?                      

                   1.  YES
                   5.  NO
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no income-only accounts)


3941        N43.3  What is the total dollar amount of your (family's)
                   interest in these accounts? (Asked if R has
                   income-only accounts)           

                   Code actual amount
                    0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no equity interset in such
                       accounts)

3942        N44.   What is the total dollar value of your (family's) interest
                   in all annuities, trusts, or managed investment accounts?  
                   (Asked if R does not have income-only accounts)

                   Code actual amount
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no equity interest in such
                       accounts)


3943       N45.   Who manages your (family's) trusts, annuities, or
3944               investment accounts,--is it  any of the institutions on
3945               the Institutions Card, or are they managed by someone else? 
3946               (CHECK ALL THAT APPLY.)
7643               (IF the Institutions Card: Which institution(s)?)
                   (IF SOMEPLACE ELSE:  What type of institution(s) or who
                   manages them?)                                             
                   (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                   A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no further institutions)


9147 (1)    R:     Type of institution
9148 (2)
9149 (3)
9150 (4)
9213 (5)           See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no further institutions)


3947        N46.   How is the money in these trusts and managed accounts
                   invested?  Is most of it in stocks, most of it in bonds or
                   other interest-earning assets, or what?                    

                   1.  STOCKS; "mutual fund" (exc. money market)
                   2.  BONDS/INTEREST/CDs/money market
                   3.  Real estate
                   5.  Combination of 1 & 2; "mutual funds and CD's"
                   6.  "Mixed"; "diversified"
                   7.  Life insurance; annuities
                   8.  Tangible assets other than real estate
                   9.  Intangible assets, n.e.c.
                  -7.  OTHER; combination of 1, 2 & 3
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)


4001        N47.   Do you (or anyone in your family living here) have any
                   life insurance? Please include individual or group
                   policies, but not accident insurance.    

                   1.  YES
                   5.  NO


4002        N48.   Are any of these group or individual term insurance
                   policies?  
                   (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS
                   THE PERSON DIES.  MANY SUCH POLICIES ARE ISSUED THROUGH
                   EMPLOYERS AND UNIONS.)                                     

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance)


4003        N48.1  What is the current face value of all the term life
                   policies that you (and your family living here) have?      

                   Code actual amount
                   0.  Inap. (No life insurance, no term insurance)



4004        N48.2  Do you have any policies that build up a cash value
                   or that you can borrow on? (If R asks: these are
                   sometimes called "whole life" or "straight life").
            N49.   Do you have any policies that build up a cash value or
                   that you can borrow on?
                   (IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR
                   "STRAIGHT LIFE".)                                          


                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no term insurance)


4005        N49.1  What is the current face value of all of the policies that
                   build up a cash value that you (and your family living
                   here) have? (THE FACE VALUE OF A POLICY IS WHAT THE
                   POLICY WOULD PAY IN THE EVENT OF DEATH.)

                   Code actual amount
                   0.  Inap. (No life insurance, no whole-life insurance)


4006        N49.2  What is the total cash value of these policies?            
                   (THE CASH VALUE OF A POLICY IS WHAT THE INSURANCE
                   COMPANY WOULD PAY IF THE POLICY WERE SURRENDERED
                   BEFORE DEATH.) (EDITED TO BE GROSS CASH VALUE WHEN
                   REPORTED AS NET) 
        
                   Code actual amount
                  -1.  Zero; none yet
                   0.  Inap. (No life insurance, no whole-life insurance)


4007        N49.3  Are you (or your family) borrowing against these policies?

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no whole-life insurance)


4008        N49.4  (ASK ONLY IF AN AMOUNT WAS GIVEN IN N49.2)  Is the cash
                   value you just gave me net of any loans you have against
                   the policy or is it the gross cash value?
                   (IF R ASKS: THE NET VALUE IS THE TOTAL CASH VALUE MINUS
                   ANY LOANS.)                                                

                   1.  NET
                   2.  GROSS
                   3.  Value reported at N49b reported as net, but
                       recoded to gross
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4009       N49.5  Did I record these loans earlier in the interview?         

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


7645       N49.6  Where did you tell me about the loans?

                   code up to 5 characters
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life
                       insurance, loan not recorded earlier)

8175       R:      Link code for loan mentioned earlier

                     1.  B10, #1
                     2.  B10, #2
                     3.  B10, #3
                     4.  B10, #4
                     5.  D36, col. 1
                     6.  D36, col. 2
                     7.  D36, col. 3
                     8.  D51
                     9.  D53h, col. 1
                    10.  D53h, col. 2
                    11.  D53h, col. 3
                    12.  D64
                    13.  E33, col. 1
                    14.  E33, col. 2
                    15.  E33, col. 3
                    16.  G22, col. 1
                    17.  G22, col. 2
                    18.  G22, col. 3
                    19.  G38, col. 1
                    20.  G38, col. 2
                    21.  H14, col. 1
                    22.  H14, col. 2
                    23.  H14, col. 3
                    24.  H14, col. 4
                    25.  H14, col. 5
                    26.  H14, col. 6
                   101.  Link not made
                     0.  Inap. (No life insurance, no whole-life
                         insurance, not borrowing against whole-life insurance)


4010        N49.7  How much is currently borrowed?                            

                   Code actual amount
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4011        N49.8  Typically how often (do you/does your family) make
                   payments on these loans and how large are the payments?    

                   Code $ amount
                   -1.  NO TYPICAL PAYMENTS
                   -2.  NONE
                    0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4012        N49.8  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -7.  Other
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4013        N49.9  What is the current annual rate of interest being charged
                   on these loans?                                            

                   Code % to 2 decimal places 
                   -1.  Zero; none
                    0.  Inap. (No life insurance, no whole-life
                        insurance, not borrowing against whole-life insurance)


4014       N49.10  How much in total are the yearly premiums for these
                   policies that build up a cash value?                       

                   Code actual amount
                   -1.  NO TYPICAL PREMIUMS
                   -2.  NONE
                    0.  Inap. (No life insurance, no whole-life
                        insurance)


4015       N49.10  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -1.  NO REGULAR PAYMENTS
                  -7.  Other
                   0.  Inap. (No life insurance, no whole-life
                       insurance)


4016        N50.   (Other than this term insurance) What is the
                   current face value of all the life
                   insurance that you (and your family living here)
                   own? 

                   Code $ amount
                    0.  Inap. (No life insurance)



4017        N51.   We have talked about various types of savings,
                   investments, and loans.  Other than what I have already
                   recorded, are you (or anyone in your family living here)
                   owed any money by friends, relatives outside the
                   immediate family, businesses, or others?  
                   (WE DO NOT WANT TO INCLUDE LOANS BETWEEN
                   FINANCIALLY DEPENDENT FAMILY MEMBERS HERE.)  

                   1.  YES
                   5.  NO


4018        N51.1  Altogether, how much are you owed?                         

                   Code actual amount
                   0.  Inap. (No other loans owed to R)


4019        N52.   Other than pension assets, do you (or anyone
                   in your family living here) have any
                   other substantial assets that I haven't already recorded -
                   - for example, artwork, precious metals, antiques, futures
                   contracts, oil and gas leases, future proceeds from
                   a lawsuit or estate that is being settled,
                   royalties, or something else?   
                   (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING
                   ACCOUNTS HERE.)                                            

                   1.  YES
                   5.  NO


4020 (1)   N52.1  (About the most valuable of these ..)  What kind of asset
4024 (2)           is it?                                                     
4028 (3)
                    1.   Gold
                    2.   Silver (incl. silverware)
                    3.   Other metals or metals NA type
                   10.   Jewelry; gem stones (incl. antique)
                   11.   Cars, motorcyles, other vehicles (antique or classic)
                   12.   Antiques; furniture
                   13.   Art objects; paintings; sculpture
                   14.   (Rare) books
                   15.   Coin collections
                   16.   Stamp collection
                   17.   Guns
                   18.   Real estate (exc. cemetery) (overflow from C20)
                   19.   Cemetery plots
                   20.   China; figurines; crystal
                   21.   Musical instruments
                   22.   Livestock; horses
                   23.   Oriental rugs
                   24.   Furs
                   25.   Other collections, incl. baseball cards, records,
                         wine
                   61.   Loans to friends/relatives
                   62.   Other loans/debts owed to R
                   63.   Cash, n.e.c.
                   64.   Future proceeds from a lawsuit
                   65.      "      "      "   an estate
                   66.   Deferred compensation
                   71.   Oil/gas/mineral leases or investments
                   72.   (Commodity) futures contracts
                   73.   Royalties
                   74.   Non-publicly traded stock
                   75.   Computers; equipment; tools
                   76.   Other investments or loans to R's businesses
                   -7.   Other
                    0.   Inap. (No other assets, no additional other assets)
                   For the public use tape, Future proceeds from a
                   lawsuit (64) and Future proceeds from an estate
                   (65) are combined in 64; antiques and furniture
                   (12), rare books (14), and oriental rugs (23) are combined 
                   in 12; Other loans/debts owed to R (62) and Other investments
                   or loans to R's businesses (76) are combined in 62; and
                   Oil/gas/mineral leases or investments (71) and (Commodity) 
                   futures contracts (72) are combined in 71.

4022(#1)    N52.2  What is the total dollar value that you (and your family
4026(#2)           living here) have in (TYPE)?                               
4030(#3)
                   Code actual amount
                   0.  Inap. (No other assets, no additional other assets)



4031        N53.   Do you (or anyone in your family living here) owe any
                   other money not recorded earlier? (WE DO NOT WANT
                   TO INCLUDE ANY LOANS BETWEN FINANCIALLY DEPENDENT
                   FAMILY MEMBERS.) 

                   1.  YES
                   5.  NO


4032       N53.1  How much is owed?                     

                   Code actual amount
                   0.  Inap. (No other money owed)



7646       N54    INTERVIEWER: HAS R MENTIONED ANY ACCOUNTS IN THIS
                  SECTION?

                   1.  YES
                   5.  NO
                   0.  Inap. (No other assets, no additional other assets)


7647       N55    Thinking about all the accounts we have talked
                  about, are any of the accounts you have told me
                  about held in some currency other than U.S. dollars? 

          
                   1.  YES
                   5.  NO
                   0.  Inap. (No other assets)


Top of Page
-----------------------------------------------------------------------------
CURRENT JOB
-----------------------------------------------------------------------------

            R1.    We are interested in your present job status.  Are you
                   working now, temporarily laid off, unemployed and looking
                   for work, disabled and unable to work, retired, a student,
                   a homemaker, or what?  (CODE ALL THAT APPLY.)
                   (SHOW CARD 14.)
            R49    We are interested in your(husband's/wife's/
                   partner's) present job status.  Is (he/she) working
                   now, temporarily laid off, unemployed and looking
                   for work, disabled and unable to work, retired, a
                   student, a homemaker, or what?  (CODE ALL THAT
                   APPLY.) (SHOW CARD 14) IF R/S IS "WORKING NOW" AND
                   ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND
                   GO TO R2/R50.          
                   
4100        R1      SUMMARY OF OCCUPATION STATUS AND WORKING NOW              
4700        R49     SUMMARY OF OCCUPATION STATUS AND WORKING NOW
 
                  CURRENTLY WORKING FOR PAY:
                  11.   Worker only
                  12.   Worker + disabled
                  13.   Worker + retired
                  14.   Worker + student
                  15.   Worker + homemaker
                  16.   Worker + unemployed/looking for work
                  17.   Worker + temporarily laid off (NO at R1.1, YES at
                        R1.3, R2=current job)
                   NO CURRENT WORK FOR PAY:
                  20.   Temporarily laid off only (R2=job laid off from, to
                        which R expects to return [YES or DK at R1.1])
                  21.   Temporarily laid off--does not expect to return to
                        job and no current work
                  30.   Unemployed and looking for work
                  50.   Retired only
                  52.   Disabled only
                                          
                                          "Homemaker" is a low priority
                                          working status coded only in 
                                          80 and 15. For other combina-
                                          tions including "Homemaker", 
                                          choose a code on the basis of
                                          the other item(s) checked.   
                  70.   Student only
                  80.   Homemaker/other not in labor force only
                  90.   Unpaid family workers: R's who volunteer that they
                         work in a family business or farm and are unpaid.
                         (Do not include here "volunteer work" for charitable
                         or non-profit organizations.)
                  96.   Other combination incl. WORKER
                  97.   Other (incl. combination) not including WORKER
                 199.   Absent spouse not included in IW
                  -7.   OTHER
                   0.   Inap. (No spouse)


4101        R1.1   Do you expect to go back to this job?                      
4701       R49.1   Does (he/she) expect to go back to this job?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not temporarily laid off)



4102        R1.2   When did you last work on this job?--MONTH                 
4702       R49.2   When did (he/she) last work on this job?  MONTH

                   Code MONTH
                   0.  Inap. (No spouse, not temporarily laid off)


4103        R1.2   When did you last work on this job?--YEAR                  
4703       R49.2   When did (he/she) last work on this job?  YEAR 

                   Code YEAR
                   0.  Inap. (No spouse, not temporarily laid off)


4104        R1.4   When did you (retire/become disabled)?                     
4704       R49.4   When did (he/she) (retire/become disabled)?    

                   Code YEAR
                   0.  Inap. (No spouse, not retired/disabled)


4105      R1.3/R1.5  Are you doing any work for pay at the present time?     
4705    R49.3/R49.5  Is (he/she) doing any work for pay at the present time?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4106        R2.    Next are some questions about your current, main job.  Do
                   you work for someone else, are you self-employed, or what?
4706       R50.    Next are some questions about (his/her) current,
                   main job.  Does (he/she) work for someone else, is
                   (he/she) self employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED 
                   3.  partnership
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working)


4107       R2.    EDITOR PRECODE: BUSINESS/JOB CONNECTION (R NOT SE)
           R14.   MARK BOX (BUSINESS IS FROM SECT. F) (R SE)
4707       R50    EDITOR PRECODE: BUSINESS/JOB CONNECTION (S NOT SE)
           R62    MARK BOX (BUSINESS IS FROM SECT. F) (S SE)



                   1.   YES
                   5.   NO
                   0.   Inap. (No spouse, not currently working)


7401        R3.    What is the official title of your job?  (The title that
                   your employer uses?) (R NOT SE)
            R4.    What sort of work do you do on your main job?  (Tell me a
                   little more about what you do.) (R NOT SE)
            R14.   What sort of work do you do?  (Tell me a little more about
                   what you do.) 
            R14.1  IWER: DOES R WORK FOR A BUSINESS REPORTED IN
                   SECTION F? (R SE)

7411       R51.    What is the official title of (his/her) job?  (The title
                   that (his/her) employer uses?) (S NOT SE)
           R52.    What sort of work does (he/she) do on (his/her) main job?
                   (Tell me a little more about what (he/she) does.)
                   (S NOT SE)
           R62.    What sort of work does (he/she) do?  (Tell me a
                   little more about what (he/she) does.) 
           R62.1   IWER:  DOES S WORK FOR A BUSINESS REPORTED IN
                   SECTION F? CHECK F22. (S SE)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, not currently working)
                   For the public use tape, the 1980 occupation codes
                   were collapsed using the SAS code that follows below.

***************************************************************************
            Code to collapse occupations
***************************************************************************

 ARRAY OCC {*} X7401 X7405 X7407 X7409
               X7411 X7415 X7417 X7419;
 DO I=1 TO DIM(OCC);
    IF (3 <= OCC{I} <=37) THEN OCC{I}=1;
    IF (43 <= OCC{I} <=199) THEN OCC{I}=1;
    IF (203 <= OCC{I} <=235) THEN OCC{I}=2;
    IF (243 <= OCC{I} <=285) THEN OCC{I}=2;
    IF (303 <= OCC{I} <=389) THEN OCC{I}=2;
    IF (403 <= OCC{I} <=407) THEN OCC{I}=3;
    IF (413 <= OCC{I} <=427) THEN OCC{I}=3;
    IF (433 <= OCC{I} <=469) THEN OCC{I}=3;
    IF (473 <= OCC{I} <=499) THEN OCC{I}=6;
    IF (503 <= OCC{I} <=699) THEN OCC{I}=4;
    IF (703 <= OCC{I} <=799) THEN OCC{I}=5;
    IF (803 <= OCC{I} <=859) THEN OCC{I}=5;
    IF (863 <= OCC{I} <=889) THEN OCC{I}=5;
    IF (905 <= OCC{I} <=905) THEN OCC{I}=3;
 END;
***************************************************************************

7402        R5.    What kind of business or industry do you work in--that is,
                   what do they make or do at the place where you work?
                   (R NOT SE)
            R14.2  What industry do you work in?  That is, what do they do or
                   make?  (What industry do you typically work in?) (R SE)
7412        R53    What kind of business or industry does (he/she) work
                   in that is, what do they make or do at the place where   
                   (he/she) works? (S NOT SE)
            R62.2  What industry does (he/she) work in?  That is, what
                   do they do or make?  (What industry does (he/she)
                   typically work in?) (S SE)

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, not currently working)
                   For the public use tape, the 1980 industry codes
                   were collapsed using the SAS code that follows below.

***************************************************************************
            Code to collapse industries
***************************************************************************

 ARRAY IND {*} X7402 X7406 X7408 X7410
               X7412 X7416 X7418 X7420;
 DO I=1 TO DIM(IND);
    IF (10 <= IND{I} <=31) THEN IND{I}=1;
    IF (40 <= IND{I} <=50) THEN IND{I}=2;
    IF (60 <= IND{I} <=60) THEN IND{I}=2;
    IF (100 <= IND{I} <=392) THEN IND{I}=3;
    IF (500 <= IND{I} <=571) THEN IND{I}=4;
    IF (580 <= IND{I} <=691) THEN IND{I}=4;
    IF (700 <= IND{I} <=712) THEN IND{I}=5;
    IF (721 <= IND{I} <=760) THEN IND{I}=5;
    IF (400 <= IND{I} <=472) THEN IND{I}=6;
    IF (761 <= IND{I} <=791) THEN IND{I}=6;
    IF (800 <= IND{I} <=802) THEN IND{I}=6;
    IF (812 <= IND{I} <=892) THEN IND{I}=6;
    IF (900 <= IND{I} <=932) THEN IND{I}=7;
 END;
***************************************************************************


4110       R6.    How many hours do you work on your main job in a normal
                  week? (R NOT SE)
           R14.5  How many hours do you work (for yourself/in this business)
                  in a normal week? (R SE)
4710       R54    How many hours does (he/she) work on (his/her) main
                  job in a normal week? (S NOT SE)
           R62.5  How many hours does (he/she) work (for himself/for
                  herself/in this business) in a normal week? (S SE)

                   Code # HOURS
                   95.  95 hours or more; "all the time"; "24 hours a day"
                    0.  Inap. (No spouse, not currently working)



4111        R7.    (READ SLOWLY)  Counting paid vacations as weeks of work,
                    how many weeks do you work on this job in a normal year?   
                    (R NOT SE)
            R14.6  (READ SLOWLY) Counting paid vacations as weeks of work,
                   how many weeks per year do you work on this job? (R SE)
4711        R55    (READ SLOWLY)  Counting paid vacations as weeks of work,
                   how many weeks does (he/she) work on this job in a normal
                   year? (S NOT SE)
            R62.6  (READ SLOWLY) Counting paid vacations as weeks of work,   
                   how many weeks per year does (he/she) work on this job?
                   (S SE)

                   Code # WEEKS
                   0.  Inap. (No spouse, not currently working)


4125        R14.7  How are you paid?  Are you paid a regular salary or wages?
                   (ONLY ASKED IF R SE)
4175        R62.7  How is (he/she) paid?  Is (he/she) paid a regular
                   salary or wages? (ONLY ASKED IF SPOUSE SE)


                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working, not
                       self-employed)


4112        R8.    About how much do you earn before taxes on your main job? 
                   (Is that per hour, week, month, year, or what?) (R NOT SE)
            R14.8  How much in salary or wages are you paid before taxes?
                   (R SE -- NOT ANSWERED UNLESS 4125/6 = 1)
4712        R56    About how much does (he/she) earn before taxes on
                   (his/ her) main job?  (Is that per hour, week,
                   month, year, or what?) (S NOT SE)
            R62.8  How much in salary or wages is (he/she) paid before
                   taxes? (S SE -- NOT ANSWERED UNLESS 4725/6 = 1)


                   Code actual amount
                   -1.  Zero; take no pay out of business
                    0.  Inap. (No spouse, not currently working)


4113       R8.    PER (R NOT SE)
           R14.8  PER (R SE)
4713       R56    PER (S NOT SE)
           R62.8  PER (S SE)

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  14.  By the job 
                  18.  Hour
                  -7.  Other
                   0.  Inap. (No spouse, not currently working)




4127        R14.9  Do you (also) receive a portion of the net
                   earnings, or some other kind of income? (R SE)
4727        R62.9  Do you (also) receive a portion of the net
                   earnings, or some other kind of income? (S SE)

                   1.  Yes
                   5.  No
                   0.  Inap. (No spouse, not currently working, not
                       self-employed)


4131       R14.10  (In addition to regular salary,) how much do you
                   personally receive from the business before taxes? (What did
                   you get in 1991?) (ONLY ASKED IF R SE)
4731       R62.10  (In addition to regular salary,) how much does (he/she)
                   personally receive from the business before taxes? (What did
                   (he/she) get in 1991?) (ONLY ASKED IF S SE)

                   Code actual amount
                   -1.  Zero; none in 1991
                    0.  Inap. (No spouse, not currently working, not
                       self-employed, no non-wage/salary income from job)


4132        R14.10  PER (ONLY ASKED IF R SE)
4732        R62.10  PER (ONLY ASKED IF S SE)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working, not
                       self-employed, no non-wage/salary income from job)


4114        R9     About how many employees work for this company or
                   organization, including all locations?  (Is it fewer than
                   10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)       
                   (ONLY ASKED FOR R NOT SE; INFERRED FROM SECTION M
                   WHERE POSSIBLE; OTHERWISE, IMPUTED)
4714        R57    About how many employees work for this company or
                   organization, including all locations?  (Is it fewer than   
                   10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)
                   (ONLY ASKED FOR S NOT SE; INFERRED FROM SECTION 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)
            R14.3  How many years have you worked for (yourself/this
                   business)? (R SE)
4715        R58.   How many years in total has (he/she) worked for this   
                   employer? (S NOT SE)
            R62.3  How many years has (he/she) worked for (himself/herself/
                   this business)? (S SE)

                   Code # YEARS
                   1.  ONE YEAR OR LESS
                   0.  Inap. (No spouse, not currently working)
                   For the public use tape, the number of years is
                   top-coded at 60.


7679        R10.   How many years in total have you worked for this employer?
                   (R NOT SE)
            R14.3  How many years have you worked for (yourself/this
                   business)? (R SE)
7706        R58.   How many years in total has (he/she) worked for this   
                   employer? (S NOT SE)
            R62.3  How many years has (he/she) worked for (himself/herself/
                   this business)? (S SE)

                   Code YEAR
                   0.  Inap. (No spouse, not currently working)


4116        R11.   How many years do you expect to continue working for this
                   employer? (ACCEPT RANGE.) (R NOT SE)
            R14.4  About how many years do you expect to continue working for
                   (yourself/this business)?  ACCEPT RANGE (R SE)
4716        R59.   How many years does (he/she) expect to continue working   
                   for this employer? (ACCEPT RANGE.) (S NOT SE)
            R62.4  About how many years does (he/she) expect to continue   
                   working for (himself/herself/this business)?  ACCEPT RANGE
                   (S SE)

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, not currently working)


7680        R11.   How many years do you expect to continue working for this
                   employer? (ACCEPT RANGE.) (R NOT SE)
            R14.4  About how many years do you expect to continue working for
                   (yourself/this business)?  ACCEPT RANGE (R SE)
7707        R59.   How many years does (he/she) expect to continue working   
                   for this employer? (ACCEPT RANGE.) (S NOT SE)
            R62.4  About how many years does (he/she) expect to continue   
                   working for (himself/herself/this business)?  ACCEPT RANGE
                   (S SE)

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, not currently working)



4117        R12.   Are you covered on this job by a union or employee-
                   association contract? (R NOT SE)
            R14.11 Are you covered on this job by a union or employee-
                   association contract? (R SE)
4717        R60.   Is (he/she) covered on this job by a union or employee    
                   association contract? (S NOT SE)
            R62.11 Is (he/she) covered on this job by a union or employee 
                   association contract? (R SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)




7681        R13    Do you have any type of insurance other than Social
                   Security, that would help provide you with income
                   in the event that you became disabled? (R not SE)

            R14.12 Do you have any type of insurance other than Social
                   Security, that would help provide you with income 
                   in the event that you became disabled? (R SE)


7708        R61    Does (he/she) have any type of insurance other than Social
                   Security, that would help provide (him/her) with
                   income in the event that (he/she) became disabled?
                   (S not SE)

            R62.12 Does (he/she) have any type of insurance other than Social
                   Security, that would help provide (him/her) with
                   income in the event that (he/she) became disabled? (S SE)



                    1.  YES
                    5.  NO
                    0.  Inap. (No spouse, not currently working)




INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE


8112 (R)    R:    Average for occupation group of fraction of last 52
8113 (S)          weeks worked; multipled by 10

8114 (R)    R:    Average for occupation group of hours worked per year
8115 (S)          in 1992; multiplied by 10

8116 (R)    R:    Fraction of occupation group unemployed in 1992;
8117 (S)          multiplied by 1000

8169 (R)    R:    Unconditional mean wage for occupation group in 1992
8170 (S)

           For each occupation group, regressions were run separately
           for males and females of the log of annualized wages on a
           constant, a spline on age (AGE, MAX(0, AGE-35),
           MAX(0,AGE-55)), a dummy variable for part-time employment
           (1 = working 20 or fewer hours per week), a dummy variable
           for self-employment (1 = self-employed), a dummy for race
           (1 = Hispanic or non-white), and dummy variables for years
           of education (1 = : 12 years of education, some college or
           an Associate's degree, Bachelor's degree, higher degree
           than Bachelor's degree).  If there were too few people in a CPS
           3-digit occupation group, either the SCF case was matched to
           a neighboring occupation group, or the match was made at the
           level of the 2-digit occupation code.  Some of the model
           coefficients may be identically zero where there are too few
           cases in the appropriate cells in the CPS to identify the
           coefficients.


8105 (R)    R:    10000 * Intercept
8106 (S)

8099 (R)    R:    For age in [1, 35]: 10000 * Coefficient of AGE
8100 (S)

8101 (R)    R:    For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
8102 (S)

8103 (R)    R:    For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
8104 (S)

8318 (R)    R:    10000 * Coefficient of dummy for part-time employment
8319 (S)

8320 (R)    R:    10000 * Coefficient of dummy for self-emlpoyment
8321 (S)

8322 (R)    R:    10000 * Coefficient of dummy for Hispanic or nonwhite
8323 (S)

8324 (R)    R:    10000 * Coefficient of dummy for 12 years of education
8325 (S)

8326 (R)    R:    10000 * Coefficient of dummy for some college or 
8327 (S)          Associate's degree

8328 (R)    R:    10000 * Coefficient of dummy for Bachelor's degree
8329 (S)

8330 (R)    R:    10000 * Coefficient of dummy for higher degree than
8331 (S)          Bachelor's degree

8107 (R)    R:    10000 * Standard error log regression
8108 (S)

8109 (R)    R:    Annualized level of expected income from regression
8111 (S)          (corrected for non-zero expectation of error term
                  for level)


-----------------------------------------------------------------------------
CURRENT JOB PENSIONS
-----------------------------------------------------------------------------

4135        R15.   Many employers have pension or retirement plans, and some
                   provide tax-deferred plans such as thrift, savings,
                   401K's, profit sharing, or stock ownership plans,
                   some plans span multiple jobs, for example, TIAA,
                   CREF, union plans, etc. Are you included in any
                   pension or retirement plans, or in any tax-deferred
                   savings plans connected with the job you just told
                   me about?  (DO NOT INCLUDE SOCIAL SECURITY.) 
                   IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
                   "We covered those earlier in the interview. Here, I just
                   want to find out about other plans operated through your
                   employer." (R NOT SE)
            R14.13 Aside from IRA or Keogh plans, are you included in any
                   pension plans or tax-deferred savings plans through (your
                   work/the business)? (R SE)
4735        R63.   Many employers have pension or retirement plans, and some
                   provide tax-deferred plans such as thrift, savings,
                   401K's, profit sharing, or stock ownership plans,
                   some plans span multiple jobs, for example, TIAA,
                   CREF, union plans, etc. Is (he/she) included in any
                   pension or retirement plans, or in any tax-deferred
                   savings plans connected with the job you just told
                   me about?  (DO NOT INCLUDE SOCIAL SECURITY.) 
                   IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
                   "We covered those earlier in the interview. Here, I just
                   want to find out about other plans operated through (his/her)
                   employer." (S NOT SE)
            R62.13 Aside from IRA or Keogh plans, is (he/she) included
                   in any pension plans or tax deferred savings plans
                   through [(his/her) work/the business? (S SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)


4136       R16.   Does your employer offer any such plans?                   
                  (ONLY ASKED IF R NOT SE)
4736       R64.   Does (his/her) employer offer any such plans?        
                  (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed)


4137        R16.1  Are you eligible to be included in any of these plans?
                  (ONLY ASKED IF R NOT SE)
4737        R64.1  Is (he/she) eligible to be included in any of these plans?
                  (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed,
                       plan not offered)


4138        R16.2  Will you be eligible if you continue to work for this
                   employer? (ONLY ASKED IF R NOT SE)
4738        R64.2  Will (he/she) be eligible if (he/she) continues to work
                   for this employer? (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   3.  DEPENDS
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed,
                       plan not offered, eligible to be included in
                       plan)


4139       R17.   In how many different plans of this sort are you included
                  on this job? (ONLY ASKED IF R NOT SE)
4739       R65.   In how many different plans of this sort is (he/she)   
                  included on this job? (ONLY ASKED IF SP NOT SE)

                   Code # PLANS
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job)


4140        R17.1  Are you currently receiving benefit payments from any
                   retirement plans from this job?                            
4740        R65.1  Is (he/she) currently receiving benefit payments
                   from any retirement plans from this job?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job)


4141        R17.2  I'll ask about the benefits later.  Are there any
                   retirement or savings plans from this job where you are
                   not yet drawing benefit payments?                          
4741        R65.2  I'll ask about the benefits later.  Are there any
                   retirement or savings plans from this job where (he/she)   
                   are not yet drawing benefit payments?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job, not
                       receiving benefits from any plans on main job)


4201       R17.3/R18.  How many such plans do you have? (ASKED IF SOME
                       PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
                       INFERRED FOR OTHER CASES WITH PLANS)
4801       R65.3/R66.  How many such plans does (he/she) have? (ASKED IF SOME
                       PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
                       INFERRED FOR OTHER CASES WITH PLANS)

                       Code # PLANS--NOT YET RECEIVING BENEFITS
                       0.  Inap. (No spouse, not currently working,
                           not included in pension plan on main job,
                           receiving benefits from all plans on main job)


4202(1)     R19.   (Is this/About the (next) most important of these plans,
4302(2)            is it) a pension or retirement plan, or a tax-deferred
4402(3)            savings plan of some sort?  (IF R ASKS: 401-K, 403-B,
                   ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL
                   TAX-DEFERRED SAVINGS PLANS.)                               
4802(1)     R67.   (Is this/About the (next) most important of these plans,
4902(2)            is it) a pension or retirement plan, or a tax-deferred
5002(3)            savings plan of some sort?  (IF R ASKS: 401 K, 403 B,
                   ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL   
                   TAX DEFERRED SAVINGS PLANS.)    

                   1.  PENSION OR RETIREMENT
                   2.  TAX-DEFERRED SAVINGS
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans)


4203(1)    R20.   (SHOW CARD 15). I would like to know what general
                   type of plan 
4303(2)            this is.  (In the most common pension or retirement plan,
4403(3)            the monthly retirement benefit paid is usually based on a
                   formula involving age, years of service and salary.  In
                   other plans, money is accumulated in an account
                   for you until your retirement.)  Is your (first/next) plan
                   like the formula plan or account plan? ("2" FILLED
                   IN HERE IF R19=2) 
4803(1)    R68.   (SHOW CARD 11). I would like to know what general type of plan
4903(2)            this is. In the most common pension or retirement plan,
5003(3)            the monthly retirement benefit paid is usually based on a
                   formula involving age, years of service and salary.  In
                   other plans, money is accumulated in an account
                   for you until your retirement.)  Is (his/her) (first/next)
                   plan like the formula plan or account plan? ("2"
                   FILLED IN HERE IF R67=2) 

                   1.  TYPE A (FORMULA)
                   2.  TYPE B (ACCOUNT)
                   3.  BOTH A & B
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans)


FORMULA-TYPE PENSIONS AND MIXTURE PLANS


4204(1)     R21.   For that part of your plan where
4304(2)            money is accumulated in an account, how much is in the
4404(3)            account?                                                   
4804(1)     R69.   For that part of (his/her) plan where money is accumulated
4904(2)            in an account, how much is in the account?
5004(3)
                   Code actual amount
                   -1.  Zero; nothing yet
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like both types A
                        and B)


7685(1)     R21.1 How long have you been in the plan?
7687(2)     R69.1 How long has (he/she) been in the plan?
7689(3)
7712(1)
7714(2)
7716(3)

                   Code # years
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like both types A
                        and B)

4205(1)     R22.  Do you currently make contributions to this plan?
4305(2)           (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY
4405(3)           DEDUCTIONS, UNION DUES OR OTHER SOURCES)                   
4805(1)     R70.  Does (he/she) currently make contributions to this plan?   
4905(2)           (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY   
5005(3)           DEDUCTIONS, UNION DUES OR OTHER SOURCES)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B)


4206(1)     R23.   What percent of your pay or amount of money per month or
4306(2)            year do you currently contribute?--PERCENT                 
4406(3)
4806(1)     R71.   What percent of (his/her) pay or amount of money per
4906(2)            month or year does (he/she) currently contribute?  PERCENT
5006(3)
                   Code PERCENT to 2 decimal places
                   -2.  Cannot convert, wage variable is negative
                    0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       R/S does not make contributions)


4207(1)     R23.   What percent of your pay or amount of money per month or
4307(2)            year do you currently contribute?--AMOUNT                  
4407(3)
4807(1)     R71.   What percent of (his/her) pay or amount of money per month
4907(2)            or year does (he/she) currently contribute?  AMOUNT
5007(3)
                   Code actual amount
                   -2.  Cannot convert, wage variable is negative
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type A/A&B,
                        R/S does not make contributions)


4208(1)    R23.   PER                                                        
4308(2)
4408(3)
4808(1)    R71.   PER
4908(2)
5008(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  12.  Bimonthly
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B
                       R/S does not make contributions)


4209(1)     R24.   At what age do you expect to start receiving benefits from
4309(2)            this plan? -- AGE 
4409(3)
4809(1)     R72.   At what age does (he/she) expect to start receiving
4909(2)            benefits from this plan?
5009(3)
                   Code AGE
                   -1.  DON'T EXPECT BENEFITS
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type A/A&B)

7686(1)     R24.   At what age do you expect to start receiving benefits from
7688(2)            this plan? -- YEARS                          
7690(3)
7713(1)     R72.   At what age does (he/she) expect to start receiving
7715(2)            benefits from this plan?
7717(3)
                   Code IN YEARS
                   -1.  DON'T EXPECT BENEFITS
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type A/A&B)


4210(1)    R25.   About how much do you expect your benefits to be?  (As a
4310(2)           proportion of your pay at retirement, or as an amount per
4410(3)           month or year when you start receiving them?)--AMOUNT      
4810(1)    R73.   About how much does (he/she) expect (his/her) benefits
4910(2)           to be?  [As a proportion of (his/her) pay at retirement,
5010(3)           or as an amount per month or year when (he/she) starts   
                  receiving them?]--AMOUNT

                  Code actual amount
                  0.  Inap. (No spouse, not currently working,
                      not included in pension plan on main job,
                      receiving benefits from all plans on main job,
                      no further plans, plan not like type A/A&B, R/S
                      does not expect benefits)


4211(1)     R25.   PER                                                        
4311(2)
4411(3)
4811(1)     R73.   PER
4911(2)
5011(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B, R/S
                       does not expect benefits)



4212(1)    R25.   About how much do you expect your benefits to be?  (As a
4312(2)           proportion of your pay at retirement, or as an amount per
4412(3)           month or year when you start receiving them?)--PERCENT     
4812(1)    R73.   About how much does (he/she) expect (his/her) benefits
4912(2)           to be?  [As a proportion of (his/her) pay at retirement,
5012(3)           or as an amount per month or year when (he/she) starts   
                  receiving them?]  PERCENT

                   Code PERCENT to 2 decimal places
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B, R/S
                       does not expect benefits)


4213(1)     R26.   If you were to (leave this job/sell this business) now,
4313(2)            would you start receiving a monthly or annual pension
4413(3)            benefit now, would you receive one later, would you get a
                   cash settlement now, would you get nothing or what?  (IF R
                   SAYS "ROLL OVER" MARK "CASH SETTLEMENT".)                  
4813(1)     R74.   If (he/she) were to (leave this job/sell this business)
4913(2)            now, would (he/she) start receiving a monthly or annual
5013(3)            pension benefit now, would (he/she) receive one later,
                   would (he/she) get a cash settlement now, would (he/she)
                   get nothing or what?  (IF R SAYS "ROLL OVER" MARK "CASH   
                   SETTLEMENT".)

                   1.  Monthly or annual BENEFIT NOW      If multiple 
                   2.  Monthly or annual BENEFIT LATER    checks, code
                                                          smallest #  
                   3.  CASH SETTLEMENT now; "Roll Over"   checked.    
                   4.  NOTHING                            
                  -7.  OTHER incl. any combinations; "lump sum later"
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B)


4214(1)    R26.1  About how much per month would you receive?                
4314(2)
4414(3)
4914(1)    R74.1  About how much per month would (he/she) receive?
4914(2)
5014(3)
                   Code $ amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       if R/S left job now would get cash settlement/
                       nothing/other)


7691(1)     R26.1  PER                                                        
7692(2)
7693(3)
7718(1)     R74.1  PER
7719(2)
7720(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       if R/S left job now would get cash settlement/
                       nothing/other)


4215(1)     R27  INTERVIEWER: Is there another plan? (R)
4315(2)
4415(3)
4815(1)
4915(2)
5015(3)
            R75  INTERVIEWER: Is there another plan? (S)

                   1.  Yes
                   5.  No
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       if R/S left job now would get cash settlement/
                       nothing/other)


ACCOUNT-TYPE PENSIONS


4216(1)    R28.   (Could you tell me a little more about this plan?)  Is it
4316(2)           a thrift or savings plan, a 401K, a Supplemental Retirement
4416(3)           Account (SRA), a profit-sharing plan, or what?          
4816(1)    R76.   (Could you tell me a little more about this plan?) Is it
4916(2)           a thrift or savings plan, a 401K, a Supplemental Retirement
5016(3)           Account (SRA), a profit-sharing plan, or what?

                    1.  THRIFT OR SAVINGS; "Savings and Investment plan"
                    2.  401k/403b/SRA
                    3.  PROFIT SHARING
                    4.  STOCK PURCHASE, ESOP (Employee Stock Option Plan)
                    7.  DEFERRED COMPENSATION
                   11.  IRA; IRA/SEP
                   12.  Defined-contribution plan; TIAA-CREF
                   13.  Money purchase plan
                   14.  Tax-deferred annuity (TDA)
                   -7.  OTHER
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4217(1)     R29.   For how many years altogether have you been included in
4317(2)            this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
4417(3)            PLAN.)                                                     
4817(1)     R77.   For how many years altogether has (he/she) been included
4917(2)            in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
5017(3)            PLAN.)

                   Code # YEARS
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4218(1)     R30.   (Does your employer/Does the business) make contributions
4318(2)            to this plan?                                              
4418(3)
4818(1)     R78.   [Does (his/her) employer/Does the business] make   
4918(2)            contributions to this plan?
5018(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4219(1)     R30.1  What percent of your pay or amount of money per month or
4319(2)            year does (your employer/the business) contribute?--
4419(3)            PERCENT                                                    
4819(1)     R78.1  What percent of (his/her) pay or amount of money per
4919(2)            month or year does [(his/her) employer/the business]   
5019(3)            contribute?  PERCENT

                   Code PERCENT to 2 decimal places
                   -1.  None
                   -2.  Cannot convert, wage variable is negative
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        employer does not contribute to plan)


4220(1)     R30.1  What percent of your pay or amount of money per month or
4320(2)            year does (your employer/the business) contribute?--
4420(3)            AMOUNT                                                     
4820(1)     R78.1  What percent of (his/her) pay or amount of money per
4920(2)            month or year does [(his/her) employer/the business]   
5020(3)            contribute?  AMOUNT

                   Code actual amount
                   -1.  None
                   -2.  Cannot convert, wage variable is negative
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        employer does not contribute to plan)


4221(1)     R30.1  PER                                                        
4321(2)
4421(3)
4821(1)     R78.1  PER
4921(2)
5021(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  17.  Irregular contribution
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       employer does not contribute to plan)


4222(1)     R31.   Do you currently make contributions to this plan? (IF R
4322(2)            ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS,
4422(3)            UNION DUES, OR OTHER SOURCES.)                             
4822(1)     R79.   Does (he/she) currently make contributions to this plan?
4922(2)            (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY   
5022(3)            DEDUCTIONS, UNION DUES, OR OTHER SOURCES.)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4223(1)     R31.1  What percent of your pay or amount of money per month or
4323(2)            year do you currently contribute?--PERCENT                 
4423(3)
4823(1)     R79.1  What percent of (his/her) pay or amount of money per month
4923(2)            or year does (he/she) currently contribute?  PERCENT
5023(3)
                   Code PERCENT to 2 decimal places
                   -2.  Cannot convert, wage variable is negative
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        R/S does not contribute to plan)


4224(1)     R31.1  What percent of your pay or amount of money per month or
4324(2)            year do you currently contribute?--AMOUNT                  
4424(3)
4824(1)     R79.1  What percent of (his/her) pay or amount of money per month
4924(2)            or year does (he/she) currently contribute?  AMOUNT
5024(3)
                   Code actual amount
                   -2.  Cannot convert, wage variable is negative
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        R/S does not contribute to plan)


4225(1)     R31.1  PER                                                        
4325(2)
4425(3)
4825(1)     R79.1  PER
4925(2)
5025(3)

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       R/S does not contribute to plan)


4226(1)    R32.   Roughly how much money is in your account at present?      
4326(2)           (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS
4426(3)           ACCOUNT.)
4826(1)    R80.   Roughly how much money is in (his/her) account at present?
4926(2)           (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS
5026(3)           ACCOUNT.)
                   Code actual amount
                   -1.  Zero; none yet
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4227(1)     R33.   Can you borrow against that account?                       
4327(2)
4427(3)
4827(1)     R81.   Can (he/she) borrow against that account?
4927(2)
5027(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4228(1)     R34.   Do you currently have a loan against that account?         
4328(2)
4428(3)
4828(1)     R82.   Does (he/she) currently have a loan against that account?
4928(2)
5028(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow aginst account)


4229(1)    R34.1  What is the amount of the loan balance?                    
4329(2)
4429(3)
4829(1)    R82.1   What is the amount of the loan balance?
4929(2)
5029(3)            Code actual amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account)


4230(1)     R34.2  Did you tell me about this loan earlier?                   
4330(2)
4430(3)
4830(1)     R82.2  Did you tell me about this loan earlier?
4930(2)
5030(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account)



7694(1)     R34.3  Where did you tell me about this loan?
7695(2)
7696(3)
7721(1)
7722(2)
7723(3)
            R82.3  Where did you tell me about this loan?

                   Code up to 5 characters
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account, did not tell about this loan earlier)



4231(1)     R35.   If you needed money in an emergency, could you withdraw
4331(2)            some of the funds in that account?  (CODE "YES" EVEN IF
4431(3)            WITHDRAWAL INVOLVES PENALTY.)                              
4831(1)     R83.   If (he/she) needed money in an emergency, could (he/she)
4931(2)            withdraw some of the funds in that account?  (CODE "YES"
5031(3)            WITHDRAWAL INVOLVES PENALTY.)


                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4232(1)    R36.   If you were to (leave this job/sell the business) now,
4332(2)           would you lose all, some, or none of the money in this
4432(3)           account?                                                   
4832(1)    R84.   If (he/she) were to (leave this job/sell the business)
4932(2)           now, would (he/she) lose all, some, or none of the money   
5032(3)           in this account?

                   1.  ALL
                   3.  SOME
                   5.  NONE
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4233(1)     R36.1  What proportion would you lose?                            
4333(2)            (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL)
4433(3)            -- PERCENT
4833(1)     R84.1  What proportion would (he/she) lose?
4933(2)            (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL)
5033(3)            -- PERCENT


                   Code PERCENT to 2 decimal places
                   -1.  Nothing
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B, would
                        lose none)

7697(1)     R36.1  What proportion would you lose?                            
7698(2)            (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL)
7699(3)            -- AMOUNT
7724(1)     R84.1  What proportion would (he/she) lose?
7725(2)            (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL)
7726(3)            -- AMOUNT

                   Code $ AMOUNT
                   -1.  Nothing
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B, would
                        lose none)


4234(1)    R37.   How is the money in this account invested? Is it mostly in
4334(2)           stocks, mostly in interest earning assets, is it split
4434(3)           between these, or what?                                    
4834(1)    S85.   How is the money in this account invested? Is it mostly in
4934(2)           stocks, mostly in interest earning assets, is it split   
5034(3)           between these, or what?

                   1.  MOSTLY OR ALL STOCK; stock in company
                   2.  MOSTLY OR ALL INTEREST EARNING; guaranteed
                       insurance contract (GIC)
                   3.  SPLIT
                   4.  real estate
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4235(1)    R38.   INTERVIEWER: Is there another plan?
4335(2)    R86.   INTERVIEWER: Is there another plan?
4435(3)
4835(1)
4935(2)
5035(3)


                   1.  YES
                   2.  NO
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4436       R39.   (IF 4 OR MORE)  Altogether how much do you have in your
                  account balance(s) for any other pension plans or savings
                  plan(s) from this job?                                     
5036       R87.   (IF 4 OR MORE)  Altogether how much does (he/she) have
                  in (his/her) account balance(s) for any other pension plans
                  or savings plan(s) from this job?

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans)



-----------------------------------------------------------------------------
SECOND JOBS
-----------------------------------------------------------------------------

4501        R40.   Are you doing any other work for pay now, such as a second
                   job, the military reserves, or (another) business of your
                   own?                                                       
5101        R88.   Is (he/she) doing any other work for pay now, such as a
                   second job, the military reserves, or (another) business   
                   of (his/her) own?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)


            R40.1  Is this a second job, the military reserves, your own
                   business, or what?  (CODE ALL THAT APPLY.)
4502        R40.1  A. SECOND JOB                                              
4503        R40.1  B. MILITARY (Reserves including Cost Guard, National Guard
                      Service)
4504        R40.1  C. BUSINESS                                                
4505        R40.1  D. OTHER:                                                  
            S40.1  Is this a second job, the military reserves, (his/her)
                   own business, or what?  (CODE ALL THAT APPLY.)   
5102        R88.1  A. SECOND JOB
5103        R88.1  B. MILITARY (Reserves including Cost Guard, National Guard
                      Service)
5104        R88.1  C. BUSINESS
5105        R88.1  D. OTHER:

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No spouse, not currently working, no
                       second job)


4506        R40.2  IWER: DOES R WORK FOR A BUSINESS REPORTED IN
                   SECTION F?                                        
5106        R88.2  IWER: DOES R WORK FOR A BUSINESS REPORTED IN
                   SECTION F? CHECK F22.                                      


                   1.  YES
                   5.  NO
                   0.    Inap. (No spouse, not currently working, no
                         second job, not working for a business)


4507       R41.   How many hours do you work on these other jobs in a normal
                  week?                                                      
5107       R89.   How many hours does (he/she) work on these other jobs in a
                  normal week?

                   Code # HOURS
                   -2.  95 hours or more; "all the time"; "24 hours a day"
                   -1.  None; hours accounted for in main job
                    0.  Inap. (No spouse, not currently working, no
                        second job)


4508        R42.   Counting paid vacations as weeks of work, how many weeks
                   do you work on these other jobs in a normal year?          
5108        R90.   Counting paid vacations as weeks of work, how many weeks
                   does (he/she) work on these other jobs in a normal year?

                   Code # WEEKS
                   0.  Inap. (No spouse, not currently working, no
                       second job)


4509        R43.   About how much do you earn before taxes from these other
                   jobs?  (Is that per hour, week, month, year, or what?)     
5109        R91.   About how much does (he/she) earn before taxes from
                   these other jobs?  (Is that per hour, week, month, year,
                   or what?)

                   Code actual amount
                   -1.  Zero; Nothing yet; Unpaid work in family
                        business/farm
                    0.  Inap. (No spouse, not currently working, no
                        second job)


4510        R43.   PER
5110        R91.   PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  14.  By the job
                  18.  Hour
                   0.  Inap. (No spouse, not currently working, no
                       second job)


4511        R44.   Thinking about all your current work for pay, do you
                   consider yourself to be working full-time or part-time? 
                   (IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS
                   WHEN R IS WORKING".)                                       
5111        R92.   Thinking about all (his/her) current work for pay,
                   does(he/she) consider (himself/herself) to be working
                   full-time or part-time?  (IF S IS LAID OFF OR A SEASONAL
                   WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".)

                   1.  FULL-TIME
                   2.  PART-TIME
                   0.  Inap. (No spouse, not currently working)


-----------------------------------------------------------------------------
WORK HISTORY
-----------------------------------------------------------------------------
WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME


4512        R45.   (READ SLOWLY:)  Now I have a few questions about your past
                   jobs.  Including any periods of self-employment, the
                   military, and your current job, since you were 18, how
                   many years have you worked full-time?  (Roughly how
                   many years?)          
5112        R93.   (READ SLOWLY:)  Now I have a few questions about
                   (his/her)past jobs.  Including any periods of self-
                   employment, the military, and (his/her) current job,
                   since (he/she) was18, how many years has (he/she)
                   worked full-time for all or most of the year?
                   (Roughly how many years?)

                   Code # YEARS
                   -1.  LESS THAN 1 YEAR
                    0.  Inap. (No spouse, R/S44 not full-time)


4513        R45.1  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5113        R93.1  Including any selfemployment and (his/her) current job,
                   for how many different employers has (he/she) worked in
                   full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None; not yet worked a full time year
                    0.  Inap. (No spouse, R/S44 not full-time)


4514        R45.2  Now, not counting your current job, have you ever had a
                   full-time job that lasted for three years or more?         
5114        S93.2  Now, not counting (his/her) current job, has (he/she) ever
                   had a full-time job that lasted for three years or more?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time, less
                       than 1 year of full-time employment)


4515        R45.3  I want to know about the longest such job you had.  Did
                   you work for someone else, were you self-employed, or
                   what?                                                      
5115        R93.3 I want to know about the longest such job (he/she) had.
                  Did (he/she) work for someone else, was (he/she) self-
                  employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                   3.  partnership
                  -7.  Other
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       job of 3 or more years)


7405        R45.4  What sort of work were you doing when you left that job?  
                   (Tell me a little more about what you did.)                
7415        R93.4  What sort of work was (he/she) doing when (he/she) left
                   that job?  (Tell me a little more about what [he/she] did.)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


7406        R45.5  What kind of business or industry did you work in -- that
                   is, what did they make or do at the place where you
                   worked?                                                    
7416        R93.5  What kind of business or industry did (he/she) work in
                   -- that is, what did they make or do at the place where 
                   (he/she) worked?

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4518       R45.6  In what year did you start working at that job?
5118       R93.6  In what year did (he/she) start working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4519        R45.7 In what year did you stop working at that job?
5119        R93.7 In what year did (he/she) stop working at that job?

                   Code YEAR
                   -1.  Didn't stop; still working in this job
                    0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4520        R45.8 About how much were you earning before taxes when you
                  stopped?  (Is that per hour, week, month, year, or what?)  
5120        R93.8 About how much was (he/she) earning before taxes when
                  (he/she) stopped?  (Is that per hour, week, month, year,
                  or what?)

                   Code actual amount
                  -1.  Nothing; zero; "had a loss"
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4521       R45.8  PER
5121       R93.8  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4522        R45.9  Since you were 18, have there been years when you only
                   worked part-time?              
5122        R93.9 Since (he/she) was 18, have there been years when (he/she)
                  only worked part-time?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time)


4523        R45.10 About how many years in total did you work part-time?
5123        R93.10 About how many years in total did (he/she) work part-time?

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        worked part-time for most of a year)


4524        R45.11 Thinking now of the future, when do you expect to stop
                   working full-time? -- YEARS
5124        R93.11 Thinking now of the future, when does (he/she) expect to
                   stop working full-time? -- YEARS

                   Code YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time)

7728        R45.11 Thinking now of the future, when do you expect to stop
                   working full-time? -- AGE
7727        R93.11 Thinking now of the future, when does (he/she) expect to
                   stop working full-time? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time)


4525        R45.12 Do you expect to work part-time after that?
5125        R93.12 Does (he/she) expect to work part-time after that?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time, never
                       expects to stop working full-time)


4526        R45.13 In what year do you expect to stop working
                   altogether? -- YEAR  
5126        S45.13 In what year does (he/she) expect to stop working 
                   altogether? -- YEAR

                   Code YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        expects to stop working full-time, does not
                        expect to work part-time after ending full-time work)

7700        R45.13 In what year do you expect to stop working
                   altogether? -- AGE
7729        S45.13 In what year does (he/she) expect to stop working 
                   altogether? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        expects to stop working full-time, does not
                        expect to work part-time after ending full-time work)


WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME

4527        R46.   Now I have a few questions about your past work. 
                   Including any periods of self-employment
                   and your current job, since you were 18, about how many
                   years in total have you worked part-time for all or most
                   of the year?  (Roughly how many years?)                    
5127        R94.   Now I have a few questions about (his/her) past work.
                   Including any periods of self-employment  
                   and (his/her) current job, since (he/she) was 18, about
                   how many years in total has (he/she) worked part-time for
                   all or most of the year?  (Roughly how many years?)

                   Code # YEARS
                   -1.  LESS THAN 1 YEAR 
                    0.  Inap. (No spouse, R/S44 not part-time)


4528        R46.1  Since you were 18, have you ever worked full-time for pay
                   --including any self-employment and the military?          
5128        R94.1  Since (he/she) was 18, has (he/she) ever worked fulltime
                   for pay -- including any selfemployment and the military?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not part-time)


4529        R46.2  How many years have you worked full-time for all or most
                   of the year?  (Roughly how many years?)                    
5129        R94.2  How many years has (he/she) worked full-time for all or
                   most of the year?  (Roughly how many years?)

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time)


4530       R46.3  INTERVIEWER CHECKPOINT -- SEE R46.2                        
5130       R94.3  INTERVIEWER CHECKPOINT -- SEE R94.2
                   1.  R/S HAS WORKED FULL-TIME AT LEAST 5 YEARS OR DK
                   2.  ALL OTHERS
                   0.  Inap. (No spouse, R/S not part-time, never
                        worked full-time)


4531        R46.4  In what year did you last work full time for pay? 
5131        R94.4  In what year did (he/she) last work full time for pay?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)


4532        R46.5  About how much did you earn before taxes that year? (Is
                   that per hour, week, month, year, or what?)                
5132        R94.5  About how much did (he/she) earn before taxes that year?
                   (Is that per hour, week, month, year, or what?)

                   Code actual amount
                  -1.  Nothing; zero; "had a loss"
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)


4533       R46.5  PER
5133       R94.5  PER

                   1.  Day
                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)


4534        R46.6  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5134        R94.6  Including any self-employment and (his/her) current
                   job,for how many different employers has (he/she) worked
                   in full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)


4535       R46.7  I want to know about the longest full-time job you had. 
                  Did you work for someone else, were you self-employed, or
                  what?                                                      
5135       R94.7  I want to know about the longest fulltime job (he/she)had.
                  Did (he/she) work for someone else, was (he/she)
                  self-employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                   3.  partnership
                  -7.  OTHER
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


7407        R46.8  What sort of work were you doing?  
                   (Tell me a little more about what you did.)                
7417        R94.8  What sort of work was (he/she) doing?
                    (Tell me a little more about what [he/she] did.)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


7408        R46.9  What kind of business or industry did you work in -- that
                   is, what did they make or do at the place where you
                   worked?                                                    
7418        R94.9  What kind of business or industry did (he/she) work in
                   that is, what did they make or do at the place where
                   (he/she) worked?

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4538       R46.10 When did you start working at that job?                    
5138       R94.10 When did (he/she) start working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4539        R46.11 When did you stop working full-time at that job?
5139        R94.11 When did (he/she) stop working full-time at that job?

                   Code YEAR
                   -1.  Didn't stop; still working (part-time) at that job
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)


4540        R46.12 About how much were you earning before taxes when you
                   stopped?  (Is that per hour, week, month, year, or what?)  
5140        R94.12 About how much was (he/she) earning before taxes when
                   (he/she) stopped?  (Is that per hour, week, month, year,
                   or what?)

                   Code actual amount
                   -1.  Nothing; zero; "had a loss"
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)


4541       R46.12 PER                                                        
5141       R94.12 PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4542        R46.13 In what year did you last work full-time for pay?        
5142        R94.13 In what year did (he/she) last work fulltime for pay?
                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4543        R46.14 Thinking now of the future, do you expect to do any full
                   -time work for pay?                                        
5143        R94.14 Thinking now of the future, does (he.she) expect to do
                   any full-time work for pay?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not part-time)


4544       R46.15 In what year do you expect to start working full-time?
5144       R94.15 In what year does (he/she) expect to start working full-time?

                   Code # YEARS
                   0.  Inap. (No spouse, R/S44 not part-time, does not
                       expect to work full-time in future)


4545        R46.16 And in what year do you expect to stop working
                   full-time? -- YEARS 
5145        R94.16 And in what year does (he/she) expect to stop
                   working full-time? -- YEARS

                   Code # YEARS
                   -1 .  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, does not
                        expect to work full-time in future)

7701        R46.16 And in what year do you expect to stop working
                   full-time? -- AGE
7730        R94.16 And in what year does (he/she) expect to stop
                   working full-time? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, does not
                        expect to work full-time in future)

4546        R46.17 In what year do you expect to stop working for
                   pay altogether? -- YEARS     
5146        R94.17 In what year does (he/she) expect to stop working for pay
                   altogether? -- YEARS

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        expects to stop full-time work)

7702        R46.17 In what year do you expect to stop working for
                   pay altogether? -- AGE
7731        R94.17 In what year does (he/she) expect to stop working for pay
                   altogether? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        expects to stop full-time work)


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

4601        R47.   Since you were 18 have you ever worked full-time for pay?  
5201        R95.   Since (he/she) was 18 has (he/she) ever worked full time
                   for pay?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4602        R47.1  How many years have you worked full-time for all or most
                   of the year?  Include any periods of self-employment, and
                   the military.  (Roughly how many years?)                   
5202        R95.1  How many years has (he/she) worked full time for all or
                   most of the year?  Include any periods of self-employment,
                   and the military.  (Roughly how many years?)

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                        worked full-time)


4603        R47.2  INTERVIEWER CHECKPOINT
5203        R95.2  INTERVIEWER CHECKPOINT

                   1.  R HAS WORKED AT LEAST 5 YEARS OR MORE FULL-TIME OR DK 
                   2.  ALL OTHERS
                   0.  Inap. (No spouse, currently working, never
                       worked full-time)


4604        R47.3  When did you last work full-time for pay?                  
5204        R95.3  When did (he/she) last work full time for pay?

                   Code YEAR
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)


4605        R47.4  About how much did you earn before taxes that year? (Is
                   that per hour, week, month, year, or what?)
5205        R95.4  About how much did (he/she) earn before taxes that year?   
                   (Is that per hour, week, month, year, or what?)

                   Code actual amount
                  -1.  Nothing; zero; "had a loss"
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)


4606        R47.4  PER                                                        
5206        R95.4  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)


4607        R47.5  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5207        R95.5  Including any self-employment and (his/her) current job,
                   for how many different employers has (he/she) worked in 
                   full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4608        R47.6  I want to know about the longest full-time job you had. 
                   Did you work for someone else, were you self-employed, or
                   what?                                                      
5208        R95.6  I want to know about the longest full-time job (he/she)
                   had.  Did (he/she) work for someone else, was (he/she)    
                   self-employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                   3.  partnership
                  -7.  OTHER
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


7409        R47.7  What sort of work were you doing when you left that job?  
                   (Tell me a little more about what you did.)                
7419        R95.7  What sort of work was (he/she) doing when (he/she) left   
                   that job?  (Tell me a little more about what [he/she]
                   did.)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap.


7410       R47.8  What kind of business or industry did you work in -- that
                  is, what did they make or do at the place where you
                  worked?                                                    
7420       R95.8  What kind of business or industry did (he/she) work in --
                  that is, what did they make or do at the place where    
                  (he/she) worked?

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4611        R47.9  In what year did you start working at that job?
5211        R95.9  In what year did (he/she) start working at that job?

                   Code YEAR 
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4612        R47.10 In what year did you stop working at that job?
5212        R95.10 In what year did (he/she) stop working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4613       R47.11  About how much were you earning before taxes when you
                  stopped?  (Is that per hour, week, month, year, or what?)  
5213       R95.11  About how much was (he/she) earning before taxes when
                  (he/she) stopped?  (Is that per hour, week, month, year,   
                  or what?)

                   Code actual amount
                   -1.  Nothing; zero; "had a loss"
                    0.  Inap. (No spouse, currently working, never
                        worked full-time, worked full-time less than
                        5 years)


4614        R47.11  PER                                                        
5214        R95.11  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4615       R47.12  Since you were 18, were there any years when you (only)
                   worked part-time for all or most of the year?              
5215       R95.12  Since (he/she) was 18, were there any years when (he/she)   
                   (only) worked part-time for all or most of the year?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4616        R47.13  For about how many years did you work part-time (for all
                    or most of the year)?                                      
5216        R95.13  For about how many years did (he/she) work part-time (for
                    all or most of the year)?

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                       worked part-time)


4617        R47.14  Do you expect to work for pay in the future?               
5217        R95.14  Does (he/she) expect to work for pay in the future?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4618       R47.15  In what year do you expect to start working?
5218       R95.15  In what year does (he/she) expect to start working?

                   Code # YEARS
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future)


4619        R47.16  Will any of that be full-time work?                        
5219        R95.16  Will any of that be full-time work?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working, does not
                       expect to work in future)


4620        R47.17  In what year do you expect to start working full-time?
5220        R95.17  In what year does (he/she) expect to start working
                    full-time?

                    Code # YEARS
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)


4621        R47.18  And in what year do you expect to stop working
                    full-time? -- YEARS          
5221        R95.18  And in what year does (he/she) expect to stop 
                    working full-time? -- YEARS

                    Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)

7703        R47.18  And in what year do you expect to stop working
                    full-time? -- AGE
7732        R95.18  And in what year does (he/she) expect to stop 
                    working full-time? -- AGE

                    Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)


4622        R47.19  In what year do you expect to stop working for
                    pay altogether? -- YEARS    
5222        R95.19  In what year does (he/she) expect to stop working for pay
                    altogether? -- YEARS

                    Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future, never expects to
                        stop full-time work in future)

7704        R47.19  In what year do you expect to stop working for
                    pay altogether? -- AGE
7733        R95.19  In what year does (he/she) expect to stop working for pay
                    altogether? -- AGE

                    Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future, never expects to
                        stop full-time work in future)



INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE
FOR PRIOR JOB

8171 (R)    R:    Unconditional mean wage for occupation group in 1992
8172 (S)

           For each occupation group, regressions were run separately
           for males and females of the log of annualized wages on a
           constant, a spline on age (AGE, MAX(0, AGE-35),
           MAX(0,AGE-55)), a dummy variable for part-time employment
           (1 = working 20 or fewer hours per week), a dummy variable
           for self-employment (1 = self-employed), a dummy for race
           (1 = Hispanic or non-white), and dummy variables for years
           of education (1 = : 12 years of education, some college or
           an Associate's degree, Bachelor's degree, higher degree
           than Bachelor's degree).  If there were too few people in a CPS
           3-digit occupation group, either the SCF case was matched to
           a neighboring occupation group, or the match was made at the
           level of the 2-digit occupation code.  Some of the model
           coefficients may be identically zero where there are too few
           cases in the appropriate cells in the CPS to identify the
           coefficients.


8125 (R)    R:    10000 * Intercept
8126 (S)

8119 (R)    R:    For age in [1, 35]: 10000 * Coefficient of AGE
8120 (S)

8121 (R)    R:    For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
8122 (S)

8123 (R)    R:    For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
8124 (S)

8332 (R)    R:    10000 * Coefficient of dummy for part-time employment
8333 (S)

8334 (R)    R:    10000 * Coefficient of dummy for self-emlpoyment
8335 (S)

8336 (R)    R:    10000 * Coefficient of dummy for Hispanic or nonwhite
8337 (S)

8338 (R)    R:    10000 * Coefficient of dummy for 12 years of education
8339 (S)

8340 (R)    R:    10000 * Coefficient of dummy for some college or 
8341 (S)          Associate's degree

8342 (R)    R:    10000 * Coefficient of dummy for Bachelor's degree
8343 (S)

8344 (R)    R:    10000 * Coefficient of dummy for higher degree than
8345 (S)          Bachelor's degree

8127 (R)    R:    10000 * Standard error log regression
8128 (S)

8129 (R)    R:    Annualized level of expected income from regression
8130 (S)          (corrected for non-zero expectation of error term
                  for level)


-----------------------------------------------------------------------------
SOCIAL SECURITY, CURRENTLY RECEIVED PENSIONS, PENSIONS TO BE RECEIVED
IN THE FUTURE
-----------------------------------------------------------------------------

5301        R96.   Are you (or your [husband/wife/partner]) currently
                   receiving Social Security benefit payments, or any
                   other type of pension, retirement, or disability
                   benefit payment?         
                   (DO NOT INCLUDE SUPPLEMENTAL SECURITY INCOME (SSI).
                   INTERVIEWER: IF R ANSWERED "YES" AT R17.1 OR S ANSWERED
                   "YES" AT R65.1 THAT PENSION SHOULD BE REPORTED HERE.)

                   1.  YES
                   5.  NO


5302        R96.1  Do these include Social Security benefit payments?       

                   1.  YES
                   5.  NO
                   0.  Inap. (Not receiving pension or Social Security
                       income)


            R96.2  Are you both receiving Social Security payments or is
                   only one of you?  [Which one?]
                   IWER: CHECK PERSON(S) (RESP, SPOUSE) IN R96.3  THEN ASK
                         FOLLOWUP QUESTIONS R96.4-R96.6 FOR EACH. 
5303        R96.3  RECIPIENT -- RESPONDENT                                    
5308        R96.3  RECIPIENT -- SPOUSE                                        

                   1.  Checked
                   5.  Not checked (including no spouse)
                   0.  Inap. (not receiving pension or Social Security
                       benefits: X5301^=1; not receiving Social Security:
                       X5302^=1)


5304        R96.4  Are the payments for retirement, disability or
5309               survivors benefits?                           

                   1.  RETIREMENT
                   2.  DISABILITY
                   3.  Widow's/survivor's benefits
                  -7.  Other
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5305        R96.5  How long (have you/has he/has she) received these
5310               benefits? -- YEARS
                   Code # YEARS
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)

7734        R96.5  How long (have you/has he/has she) received these
7735               benefits? -- SINCE 19__

                   Code SINCE WHAT YEAR
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5306       R96.6  How much (do you/does he/does she) receive each month or
5311               year?                                                      

                   Code actual amount
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5307        R96.6  PER                                                        
5312

                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5313        R97.   Are you (or your [husband/wife/partner]) currently
                   receiving any other retirement, pension, or
                   disability benefit payments?

                   1.  YES
                   5.  NO
                   0.  Inap.


5314       R97.1  Not counting Social Security, how many retirement, pension
                  or disability benefit payments are you (and your
                  [husband/wife/partner]) currently receiving?
                  (DO NOT INCLUDE INCOME FROM IRA AND KEOGH ACCOUNTS 
                  ALREADY REPORTED.) (ASKED IF R/S RECEIVING SOCIAL
                    SECURITY BENEFITS, INFERRED FOR OTHERS)

                   Code # PENSION/DISABILITY PAYMENTS
                   0.  Inap. (Not receiving pension or Social Security
                       income)


            R97.2  (For the first/second/next benefit) who is
                   receiving these benefit payments, you or your
                   (husband/wife/partner), and what kind are they?
                   IWER: MARK ONE RECIPIENT AND TYPE OF BENEFIT FOR ALL
                         BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R97d-
                         R97h FOR EACH BENEFIT.
5315(#1)           RECIPIENT                                                  
5323(#2)
5331(#3)           1.  RESPONDENT
5415(#4)           2.  SPOUSE
5423(#5)           0.  Inap. (Not receiving pension or Social Security
                       income, no spouse)
5431(#6)


           R97.3  Is this a benefit from your current job, past job, a
                  disability or military benefit, spouse's pension or
                  something else?

5316(#1)          TYPE OF BENEFIT                                            
5324(#2)
5332(#3)            1.  CURR JOB PENS
5416(#4)            2.  PAST JOB PENS                       
5424(#5)            3.  DISABILITY
5432(#6)            4.  MILITARY (retirement or disability)
                    5.  SPOUSE PENS
                   11.  Union pension
                   -7.  OTHER
                    0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)
                    For the public use tape, Union pension (11) and
                    Past job pension (2) are combined in 2.


5317(#1)    R97.4  How long have (you/he/she) received this benefit?   
5325(#2)           -- YEARS
5333(#3)          
5417(#4)           Code # YEARS
5425(#5)           0.  Inap. (Not receiving pension or Social Security
5433(#6)               income, no further benefits)
                  -1.  0 years, since 1992

7736(#1)    R97.4  How long have (you/he/she) received this benefit?   
7738(#2)           -- SINCE 19__
7740(#3)          
7742(#4)           Code SINCE WHAT YEAR
7744(#5)           0.  Inap. (Not receiving pension or Social Security
7746(#6)               income, no further benefits)




5318(#1)    R97.5  How much is received each month or year?                   
5326(#2)
5334(#3)           Code actual amount
5418(#4)           0.  Inap. (Not receiving pension or Social Security
5426(#5)               income, no further benefits)
5434(#6)


5319(#1)    R97.5  PER                                                        
5327(#2)
5335(#3)
5419(#4)
5427(#5)           4.  Month
5435(#6)           6.  Year
                   0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)


5320(#1)    R97.6  Has this benefit been increased when the cost of living
5328(#2)           has increased?                                             
5336(#3)
5420(#4)           1.  YES
5428(#5)           5.  NO
5436(#6)           0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)


5321(#1)   R97.7  INTERVIEWER CHECKPOINT: IS R LEGALLY MARRIED?
5329(#2)
5337(#3)
5421(#4)           1.  YES
5429(#5)           5.  NO
5437(#6)           0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)



5322(#1)   R97.8  If (RECIPIENT) were to die, what percent of this benefit
5330(#2)           would (you/your husband/your wife) continue to receive or
5338(#3)           would the benefits stop?                                   
5422(#4)
5430(#5)           Code PERCENT to 2 decimal places
5438(#6)           -1.  STOP
                   -7.  OTHER
                    0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits, no spouse)



7737(#1)   R97.9  IS THERE ANOTHER BENEFIT?
7739(#2)
7741(#3)
7743(#4)           1.  YES
7745(#5)           5.  NO
                   0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)


5501        R98.   Have you (or your [husband/wife/partner]) ever
                   received a cash settlement from a pension or
                   retirement plan of a previous job?

                   1.  YES
                   5.  NO


5502        R98.1  How many different cash settlements have you (or your
                   [husband/wife]) received?                                  

                   Code # CASH SETTLEMENTS
                   0.  Inap. (No cash settlements)


           R98.2   Who received (this/the first/second/etc) cash
                   settlement, you or your (husband/wife/partner)?

5503(#1)           WHO                                                        
5506(#2)
5509(#3)           1.  RESPONDENT
5512(#4)           2.  SPOUSE
5515(#5)           0.  Inap. (No cash settlements, no further settlements)


           R98.3   What was the amount of this (first/second/third/
                   fourth/fifth) cash settlement?

5504(#1)           AMOUNT                                                     
5507(#2)
5510(#3)           Code actual amount
5513(#4)           0.  Inap. (No cash settlements, no further settlements)
5516(#5)



           R98.4   In what year was (this/the first/second/
                   third/fourth/fifth) cash settlement received?
          

5505(#1)           YEAR RECEIVED                                              
5508(#2)
5511(#3)           Code YEAR
5514(#4)           0.  Inap. (No cash settlements, no further settlements)
5517(#5)



7747(#1)   R98.5   INTERVIEWER: Is there another settlement?
7748(#2)
7749(#3)           1.  YES
7750(#4)           5.  NO
                   0.  Inap. (No cash settlements, no further settlements)


5601        R99.   Now I want to ask about future pension benefits that you
                   (and your[husband/wife/partner]) have earned rights
                   to from your past or current jobs.  Aside
                   from Social Security and any pension benefits you have
                   already told me about, do you (and your [husband/wife/
                   partner]) expect to receive any (other) pension
                   benefits in the future?                                 

                   1.  YES
                   5.  NO


5602       R99.1   How many such benefits do you (and your [husband/wife/
                   partner]) expect to receive in the future?

                   Code # FUTURE BENEFITS
                   0.  Inap. (No other future pension benefits)


5606(A)    R99.2   Who expects to receive (this/the largest/the next) benefit?
5614(B)
5622(C)            1.  RESPONDENT
5630(D)            2.  SPOUSE
5638(E)            0.  Inap. (No other future pension benefits)
5646(F)
 

5603(A)    R99.3   About (this/the largest/the next) benefit, is this from a
5611(B)            pension plan where a certain amount of money is
5619(C)            accumulated in an account for you, a formula plan that
5627(D)            will give you a specific amount of income each month or
5635(E)            year when you retire, or what?                             
5643(F)
                   1.  INCOME FORMULA
                   2.  ACCOUNT
                   3.  BOTH
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)


5604(A)     R99.4  How much is in the account now?                            
5612(B)
5620(C)            Code actual amount
5628(D)            0. Inap. (No other future pension benefits, no
5636(E)               further future pension benefits, not account-type
5644(F)               pension)



5605(A)    R99.5  Is this part of an IRA, Keogh or pension I
5613(B)           recorded earlier? (Which?)
5621(C)
5629(D)            1.  R claimed YES IRA/KEOGH, but no such IRA/KEOGH
5637(E)            2.  R claimed YES PENSION, but no such PENSION
5645(F)            5.  NO
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits, not account-type
                       pension)


5607(A)     R99.6  When do you expect these benefits to start? __ AGE
5615(B)
5623(C)            Code AGE
5631(D)            0.  Inap. (No other future pension benefits, no
5639(E)                further future pension benefits)
5647(F)

7751(A)     R99.6  When do you expect these benefits to start? YEARS
7752(B)
7753(C)            Code YEARS
7754(D)            0.  Inap. (No other future pension benefits, no
7755(E)                further future pension benefits)
7756(F)



5608(A)     R99.7  About how much per month do you expect them to be?         
5616(B)
5624(C)            Code $ amount
5632(D)            -1.  NONE
5640(E)             0.  Inap. (No other future pension benefits, no
5648(F)                 further future pension benefits)


5609(A)    R99.7  PER                                                        
5617(B)
5625(C)
5633(D) 
5641(E)            2.  Weekly
5649(F)            4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)



5610(A)     R99.8  INTERVIEWER: Is there another benefit?

5618(B)            1.  YES
5626(C)            5.  NO
5634(D)
5642(E)



                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)


Top of Page
-----------------------------------------------------------------------------
INCOME, AGI, MISC.
-----------------------------------------------------------------------------

            T1.    We have talked about various sources of income.  Now we
                   would like to get the overall picture of all the different
                   sources of income that you and members of your family
                   living here had in 1991.  Did anyone have income
                   from wages and salaries, including bonuses, overtime and
                   commissions?  (RECORD IN COLUMN T1 AND ASK T2 FOR EACH
                   SOURCE OF INCOME AS IT IS MENTIONED.)
5701        T1.1   WAGES AND SALARIES?                                        
5703        T1.2   Did (you/anyone) have income or loss from a professional
                   practice, business or farm? (Other than wages or
                   salaries)                                                  
5705        T1.3   ...non-taxable investments such as municipal bonds?        
5707        T1.4   ...other interest income?                                  
5709        T1.5   ...dividends?                                              
5711        T1.6   ...net gains or losses from the sale of stocks, bonds, or
                   real estate?                                               
5713        T1.7   ...net rent, trust income, or royalties from any other
                   investment or business?                                    
5715        T1.8   ...unemployment or worker's compensation?                  
5717        T1.9   ...child support or alimony?                               
5719        T1.10  Did (you/anyone) have income from ADC AFDC, food stamps,
                   or other forms of welfare or assistance, such as SSI?      
5721        T1.11  ...income from Social Security or other pensions,
                   annuities, or other disability or retirement programs?     

                   1.  YES
                   5.  NO


5702        T2.1   In total, how much income from (SOURCE) did you (and your
5704        T2.2   family) receive in 1991, before deductions for taxes and
5706        T2.3   anything else?  [WRITE LOSSES (  ).]                       
5708        T2.4
5710        T2.5   Code actual amount
5712        T2.6   0.  Inap. (No SOURCE income)
5714        T2.7
5716        T2.8
5718        T2.9
5720        T2.10
5722        T2.11


5723        T1.12  Did you (or anyone in your family living here) have income
                   from any other sources?  (What other sources?)             

                   1.  YES
                   5.  NO


5725(1st)  T1.12   PROBE: What other sources?
5727(2nd)
                    1.   Settlements: from lawsuits, divorce, insurance
                    2.   Gambling winnings; prize money
                    3.   Education scholarships or grants (not incl. loans);
                         G.I. Bill; "fellowships"     
                    4.   Honorarium
                   11.   "IRA", NFS; IRA withdrawal
                   12.   Inheritance/gifts            
                   13.   Other help/support from relatives
                   14.   Repayment of debts
                   15.   Income tax refund
                   21.   Care of foster child in the home
                   22.   Housing subsidy/rent paid by some (gov't) agency
                   23.   Trustee fee; executor fee
                   30.   Sale of asset (coding as capital gain/loss
                         has priority)
                   -7.   Other 
                    0.   Inap. (No other income, no additional sources
                         of other income)
                   For the public use tape, Education (3), Honoraria (4),
                   Care of foster children (21), and Other (-7) are
                   combined in -7.


5724(1st)  T2.12   In total, how much income from (SOURCE) did you (and your
5726(2nd)          family) receive in 1991, before deductions for taxes and
                   anything else?  [WRITE LOSSES (  ).]                       

                   Code actual amount
                   0.  Inap. (No other income, no additional sources
                       of other income)




5729        T3.    How much was the total income you (and your family living
                   here) received in 1991 from all sources, before taxes and
                   other deductions were made?                                

                   NOTE: Raw data of 1 indicates that Q2.1-Q2.12 added up
                         by us

                   Code actual amount
                   -1.  Zero; no income


8182        R:     Sum of values given in T2a through T2n

                   Code amount


5730       T4.     Did you (and your family living here) receive more
                   than $30,000 in 1991?


           T4.1    Was it $50,000 or more?


           
           T4.2    Was it $100,000 or more?


           T4.3    Was it $250,000 or more?


           T4.4    Was it $5,000 or more?


           T4.5    Was it $10,000 or more?


           T4.6    Was it $20,000 or more?


                   1.  Less than $5,000
                   2.  $5,000 - $10,000
                   3.  $10,000 - $20,000
                   4.  $20,000 - $30,000
                   5.  $30,000 - $50,000
                   6.  $50,000 - $100,000
                   7.  $100,000 - $250,000
                   8.  $250,000 or more
                   0.  Inap. (Q2.1-Q2.12 added up)

7650       T4.7    Is this income unusually high or low compared to
                   what you would expect in a "normal" year, or is it normal?

                   1.  HIGH
                   2.  LOW         
                   3.  NORMAL


5731       T5.    During 1991, did you (or anyone in your family living
                   here) pay any alimony or child support?                    

                   1.  YES
                   5.  NO


5732        T5.1   Altogether, how much alimony and/or child support did you
                   (and your family) pay in 1991?                             

                   Code actual amount
                   0.  Inap. (Paid no alimony or child support)


5733        T6.    During 1991, did you (or anyone in your family living
                   here) provide any (other) financial support for relatives
                   or friends who do not live here?                           

                   1.  YES
                   5.  NO


5734       T6.1   How much support did you (and your family) pay?            

                   Code actual amount
                   0.  Inap. (Provided no financial support)


            T6.2   To whom was this support given? (Anyone else?) (CODE ALL
                   THAT APPLY.)

5735        T6.2       CHILDREN UNDER 18                                       
5736        T6.2       CHILDREN 18 AND OVER                                    
5737        T6.2       PARENTS (IN-LAW)                                        
5738        T6.2       GRANDCHILDREN                                           
5739        T6.2       GRANDPARENTS                                            
5740        T6.2       SIBLINGS (IN-LAW)                                       
5741        T6.2       NIECE/NEPHEW                                            
5742        T6.2       FRIEND                                                  
5743        T6.2       OTHER                                                   


                   1.  Checked                              
                   2.  Aunt/uncle (5743 only)
                   5.  Not checked
                  -7.  Other (5743 only)
                   0.  Inap. (Provided no financial support)



5744        T7.    Did you (or your [husband/wife/partner]) file or do
                   you expect to file a 1991 Federal Income tax return?

                   1.  YES
                   5.  NO
                   6.  NOT YET FILED


5745        T7.1  INTERVIEWER CHECKPOINT -- see HHL, p.1. Is R
                  married/living with partner?

                   1.  RESPONDENT MARRIED/LIVING WITH PARTNER
                   2.  ALL OTHERS


5746        T7.2   Did/will you and your (husband/wife/partner) file a
                   joint return, did/will you file separately, or
                   did/will only one of you file?  (Which one?)

                   1.  FILE JOINTLY
                   2.  FILE SEPARATE
                   3.  ONLY R FILE
                   4.  ONLY S FILE
                   0.  Inap. (Did not file 1991 return, not married)


           T7.3   Did/will you (or your [husband/wife/partner]) file a
                  Schedule C, E or F with your return?
                  (CODE ALL THAT APPLY
                  (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR
                  SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP
                  INCOME, AND "F" IS FOR FARM INCOME.)

5747        T7.3   A. SCHED C                                                 
5748        T7.3   B. SCHED E                                                 
5749        T7.3   C. SCHED F                                                 
5750        T7.3   D. NO


                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (Did not file 1991 return, filed
                       separately, only respondent/spouse/partner filed)


5751        T7.4   What was/will be your (and your
                   [husband's/wife's/partner's]) total adjusted gross
                   income (AGI) on your 1991 return?
                   (What do you think it will be?) (FORM 1040, LINE 3)

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap. (Did not file 1991 return, filed
                        separately, only respondent/spouse/partner filed)
 

                  (IF R WAS NOT MARRIED IN 1991 OR R WAS MARRIED TO A
                   DIFFERENT PERSON, ASK FOR ADJUSTED GROSS INCOME
                   (AGI) ON THE FORM R FILES AND NOTE ANY
                   COMPLICATIONS IN THE MARGIN.)
     
            T7.5   Did you file a Schedule C, E or F
                   with your return?  (CODE ALL THAT APPLY.)                 
                   (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR
                   SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP
                   INCOME, AND "F" IS FOR FARM INCOME.)

7758        T7.5   A. SCHED C
7759        T7.5   B. SCHED E
7760        T7.5   C. SCHED F
7761        T7.5   D. NO

                    1.  Checked                              
                    5.  Not checked
                    0.  Inap. (Did not file 1991 return, filed
                        jointly, only spouse/partner filed )


7651        T7.6   What will be your total adjusted gross income (AGI)
                   on your 1991 tax return? (What do you think it will
                   be?) (ASKED OF RESPONDENTS FILING SEPARATELY.)

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap. (Did not file 1991 return, filed
                        jointly, only spouse/partner filed )

            T7.7   Did your (husband/wife/partner) file a Schedule C,
                   E, or F with your return? (CHECK ALL THAT APPLY.)
                   (ONLY SPOUSE FILED OR WILL FILE)


7762        T7.7   A. SCHED C
7763        T7.7   B. SCHED E
7764        T7.7   C. SCHED F
7765        T7.7   D. NO

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (Did not file 1991 return, filed
                        jointly, only respondent filed)


7652        T7.8   What was (his/her) total adjusted gross income
                   (AGI) on your 1991 tax return? (What do you think
                   it will be?)


                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap. (Did not file 1991 return, filed
                        jointly, only respondent filed)



Top of Page
-----------------------------------------------------------------------------
INHERITANCES, MISC.
-----------------------------------------------------------------------------

5801        X1.    Have you (or your [husband/wife/partner]) ever received an
                   inheritance, or been given substantial assets in a trust
                   or in some other form?                                     

                   1.  YES  (Include if mentioned, inheritances to
                       R's resident "dependent" children--if not from R
                       or spouse.
                   5.  NO                                  


5802        X2.    How many of these have you (or your
                   [husband/wife/partner]) ever received?

                   See explanation with 8999 below.

                   Code # OF INHERITANCES, TRUSTS, OTHER TRANSFERS
                   0.  Inap. (Never received inheritances)


8357        Value of X2 reported by the respondent.

            Often respondents reported that a property, business, etc
            was inherited or was acquired as a gift, but the asset was
            not reported in the summary inheritance questions in
            Section X.  A set of rules was used to incorporate these
            assets in the summary measures.  For each asset the
            respondent reported as an inheritance/gift each
            inheritance/gift/trust in Section X was examined to see if
            there was a plausible match.  When no match could be made,
            the asset was put into the next empty data field in the
            summary measures.  Where data needed to be moved and all
            four summary positions were already used, the additional
            values were added to the fourth position.  All imputations
            were conditioned on available parital information.
            To determine which variables were added it is only
            necessary to compare X5802 and X8357.  If X8357 < X5802 then
            the positions higher than the value of X8357 were added.
            To determine whether additional amounts were added to the
            mop-up variable X5818, compare X5818 with the original
            value of that variable given by X8187.  In all cases, flag
            variables X8183-X8186 indicate which assets, it any, were
            linked with or added to the amounts in the summaray
            inheritance variables.


5803(#1)   X3.    (Thinking about the [largest/next largest] of these) was
5808(#2)           that an inheritance, a trust, or what? (CODE ALL THAT
5813(#3)           APPLY.)                                                    

                   1.  INHERITANCE
                   2.  TRUST
                   3.  Gift
                   4.  Settlements; insurance; lawsuits
                   5.  Inheritance and gift  (1 & 3 checked)
                   6.  Inheritance and trust (1 & 2 checked)
                  -7.  OTHER
                   0.  Inap. (Never received inheritances, no further
                       inheritances)


5804(#1)    X4.    What was its approximate value at the time it was
5809(#2)           received?                                                  
5814(#3)
5818(#4)    X8.    How much altogether were any others you have received?     

                  Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (Never received inheritances, no further
                        inheritances)

8187        Original value of X5818.
            See X8357 above for explanation.
                   

5805(#1)    X5.    In what year was it received?                              
5810(#2)
5815(#3)           Code YEAR
                   0.  Inap. (Never received inheritances, no further
                       inheritances)


5806(#1)   X6.    From whom was it received?                                 
5811(#2)
5816(#3)            1.  GRANDPARENT
                    2.  PARENT (incl. in-law or step-parent)
                    3.  CHILD
                    4.  AUNT/UNCLE
                    5.  SIBLING
                    6.  FRIEND
                    7.  Cousin
                   11.  Deceased spouse
                   12.  Deceased ex-spouse
                   -7.  OTHER
                    0.  Inap. (Never received inheritances, no further
                        inheritances)
                   For the public use tape, Child (3) and Other (-7)
                   are combined in -7; Deceased spouses (11) and
                   Deceased ex-spouses (12) are combined in 11.


5807(#1)    X7.    INTERVIEWER CHECKPOINT (SEE X2). Is there another
5812(#2)           inheritance, trust or transfer?
5817(#3)
                   1.  YES
                   5.  NO
                   0.  Inap. (Never received inheritances, no further
                       inheritances)



8183 (#1)   R:     Link code for inheritance/gift reported as source of
8184 (#2)          an asset earlier in the questionnaire
8185 (#3)          (Multiple links may be established:
8186 (#4)          these links are created by successively summing
                   multiple link codes multiplied by 100 -- e.g. 1506
                   indicates that there were unlinked assets reported
                   at a grid/mop-up location (this implies that the
                   linked asset was < the value reported in Section X),
                   the principal residence was inherited or received
                   as a gift, and all of these assets are included in
                   variable 5818).

                    1.  Mobile home site only (Question D11d)
                    2.  Mobile home only (Question D12c)
                    3.  Mobile home site only (Question D15b)
                    4.  Mobile home only (Question D15d)
                    5.  Mobile home and site (Question D15f)
                    6.  Other principal residence (Question D20)
                    7.  Other real estate (Question E20, property #1)
                    8.  Other real estate (Question E20, property #2)
                    9.  Other real estate (Question E20, property #3)
                   10.  Other vacation real estate (Question E36b)
                   11.  Other investment real estate (Question E37a)
                   12.  Active management business (Question M6,
                        business #1)
                   13.  Active management business (Question M6,
                        business #2)
                   14.  Active management business (Question M6,
                        business #3)
                   15.  No link identified
                    0.  Inap. (Never received inheritances, no further
                        inheritances)


5819       X9.    Do you (or your [husband/wife/partner]) expect to receive a
                  substantial inheritance or transfer of assets in the
                  future?                                                    

                   1.  YES
                   5.  NO


5820        X9.1   Is that likely to involve a large amount of money, a
                   moderate amount, or what?                                  

                   1.  LARGE
                   2.  MODERATE
                   3.  Small (volunteered)
                  -7.  OTHER
                   0.  Inap. (Does not expect future inheritance)


5821        X9.2   IWER:  RECORD AMOUNT IF R VOLUNTEERS IT                    

                   Code actual amount
                   0.  Inap. (Does not expect future inheritance)


5822       X10.   During 1991, did you (or anyone in your family living
                   here) make charitable contributions of money or property
                   totaling $500 or more? (Do not include political
                   contributions.)                       

                   1.  YES
                   5.  NO


5823        X10.1  Roughly, how much did (you/your family) contribute?        

                   Code actual amount
                   0.  Inap. (Did not make charitable contributions)


7662        X10.2  During 1991, did you (or any one in your family
                   living here) volunteer an average of one hour or
                   more a week to any charitable organizations? Please
                   do not include time volunteered for political
                   causes.)



                   1.  YES
                   5.  NO


5824        X11.   Some people think it is important to leave an estate or
                   inheritance to their surviving heirs, while others don't. 
                   Which is closer to your (and your [husband's/wife's])
                   feelings?  Would you say it is very important, important,
                   somewhat important, or not important?                      

                   1.  VERY IMPORTANT
                   2.  IMPORTANT
                   3.  R & S DIFFER
                   4.  SOMEWHAT IMPORTANT
                   5.  NOT IMPORTANT


5825       X12.   Do you (and your [husband/wife/partner]) expect to leave a
                   sizeable estate to others?                                 

                   1.  YES
                   3.  POSSIBLY
                   5.  NO




Top of Page
-----------------------------------------------------------------------------
MISC. DEMOGRAPHICS
-----------------------------------------------------------------------------

5901        Y1.    I'd now like to ask you some questions about your
                   background.  What is the highest grade of school or year
                   of college you completed?                                  
6101        Y17.   I'd now like to ask you some questions about your
                   (husband's/wife's/partner's) background.  What is the
                   highest grade of school or year of college (he/she)
                   completed?                                                 

                   Code number of years
                  -1.  NO EDUCATION
                   0.  Inap. (No spouse)


5902        Y1.1   Did you get a high school diploma or pass a high school
                   equivalency test?                                          
6102        Y17.1  Did (he/she) get a high school diploma or pass a high
                   school equivalency test?                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, more than 12 years of education)


5903        Y1.2   Since completing your formal education, have you had on-
                   the-job training or other vocational training lasting 100
                   hours or more?                                             
6103        Y17.2  Since completing (his/her) formal education, has (he/she)
                   had on-the-job training or other vocational training
                   lasting 100 hours or more?                                 

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, more than 12 years of education)


5904       Y1.3   Did you get a college degree?                              
6104       Y17.3  Did (he/she) get a college degree?                         

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, fewer than 12 years of education)


5905        Y1.4   What is the highest degree you have earned?                
6105        Y17.4  What is the highest degree (he/she) earned?                

                   1.  ASSOCIATES                     
                   2.  BACHELORS
                   3.  MA/MBA
                   4.  PHD
                   5.  MD; DDS
                   6.  LAW
                   7.  Other professional certification (e.g., RN,
                       cosmetology)
                  -7.  OTHER
                   0.  Inap. (No spouse, fewer than 12 years of education,
                       no college degree)
                   For the public use file, PHD (4), MD; DDS (5) and LAW (6)
                   are combined in 4.


5906        Y2.    Have you ever been in the military service?                
6106        Y18.   Has (he/she) ever been in the military service?            

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


5907       Y3.    What is the month and year of your birth?--MONTH           
6107       Y19.   What is the month and year of (his/her) birth?--MONTH      

                   Code MONTH
                   0.  Inap. (No spouse)


5908        Y3.    What is the month and year of your birth?--YEAR            
6108        Y19.   What is the month and year of (his/her) birth?--YEAR       

                   Code YEAR
                   1890.  1890 or earlier
                      0.  Inap. (No spouse)


5909        Y4.    Are you American Indian, Asian, Hispanic, black, white, or
                   another race? (SHOW CARD 16)

                   1.  AMERICAN INDIAN/ESKIMO/ALEUT
                   2.  ASIAN
                   3.  HISPANIC
                   4.  BLACK
                   5.  WHITE
                  -7.  OTHER
                   For the public use file, American Indian/Eskimo/Aleut (1)
                   and Asian (2) and OTHER (-7) are combined in -7.


5910        Y5.    Now I'd like to ask some questions about your family
                   living elsewhere.  Altogether, including children from
                   previous marriages and adopted children, how many sons and
                   daughters do you (or your [husband/wife/partner])
                   have who do not live with you?

                   Code # CHILDREN
                   -1.  NONE


5911        Y5.1   How many of them are 25 or older?                          

                   Code # 25 OR OLDER
                   -2.  ALL OF THEM
                   -1.  NONE
                    0.  Inap. (No children outside home)


5912        Y5.2   And how many of them are less than 18 years old?           
                   (INFERRED WHERE Y5a = ALL OF THEM)

                   Code # LESS THAN 18
                   -2.  ALL OF THEM
                   -1.  NONE
                    0.  Inap. (No children outside home)


5913        Y6.    How many living brothers and sisters do you have?          
6109        Y20.   How many living brothers and sisters does (he/she) have?   

                   Code # BROTHERS/SISTERS
                   -1.  NONE
                    0.  Inap. (No spouse)


5914       Y6.1   How many are older than you?                               
6110       Y20.1  How many are older than (he/she) is?                       

                   Code # OLDER
                   -2.  ALL
                   -1.  NONE
                    0.  Inap. (No spouse, no living siblings)


5915       Y7.    INTERVIEWER CHECKPOINT: See R's marital status in
                  household listing

                    1.  MARRIED; INCLUDING SPOUSE AWAY IN SERVICE
                    2.  PARTNER
                    3.  SEPARATED
                    4.  DIVORCED
                    5.  WIDOWED
                    6.  NEVER MARRIED

           R CURRENTLY MARRIED

5916       Y7.1   In what month and year were you married? -- MONTH


                  Code MONTH
                  0.  Inap. (Not married) 

5917       Y7.1   In what month and year were you married? -- YEAR

                  Code YEAR
                  0.  Inap. (Not married) 

5918       Y7.2   Is this your first marriage or have you been married before?

                  1.  FIRST MARRIAGE
                  5.  MARRIED BEFORE 
                  0.  Inap. (Not married) 

5919       Y7.3   Altogether, how many times have you been married,
                  including your currently marriage?


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not married, only married once) 

5920       Y7.4   Did any of these marriages end with you being
                  widowed?

                  1.  FIRST MARRIAGE
                  5.  MARRIED BEFORE 
                  0.  Inap. (Not married, married less than three times) 

5921       Y7.5   How many?

                  Code # times widowed
                  0.  Inap. (Not married, married less than three
                      times, married more than twice but never widowed) 

           R CURRENTLY SEPARATED

5922       Y8     In what month and year were you separated? -- MONTH

                  Code MONTH
                  0.  Inap. (Not separated)

5923       Y8     In what month and year were you separated? -- YEAR


                  Code YEAR
                  0.  Inap. (Not separated)

5924       Y8.1   In what year did this marriage begin?


                  Code YEAR
                  0.  Inap. (Not separated)

 


6026       Y14.   Now I'd like to ask about your parents.  Is your mother
                  still living?                                              
6120       Y23.   Is your (husband's/wife's/partner's) mother still living?  

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


6027        Y14.1  What is her age?                                           
6121        Y23.1  What is her age?                                           

                   Code AGE
                   0.  Inap. (No spouse, mother not living)


6028        Y14.2  Is your father still living?                               
6122        Y23.2  Is your (husband's/wife's/partner's) father still living?  

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


6029        Y14.3  What is his age?                                           
6123        Y23.3  What is his age?                                           

                   Code AGE
                   0.  Inap. (No spouse, father not living)


-----------------------------------------------------------------------------
MARITAL HISTORY RECODE VARIABLES 
-----------------------------------------------------------------------------

8001 (R)   R:      Total number of marriages (incl. current partner)
8013 (S)
                   Code number
                   0.  None


8002 (R)   R:      Total number of times divorced
8014 (S)
                   Code number
                   0.  None; Inap.


8003 (R)   R:      Total number of times widowed
8015 (S)
                   Code number
                   0.  None; Inap.


8004       R:      Month current marriage or partnership began

                   Code month
                   0.  Inap.


8005       R:      Year current marriage or partnership began

                   Code year
                   0.  Inap.


8006 (R)   R:      Month most recent past marriage ended (or separated)

                   Code month
                   0.  Inap.


8007 (R)   R:      Year most recent past marriage ended (or separated)
8016 (S)
                   Code year
                   0.  Inap.


8008 (R)   R:      Year most recent past marriage began
8017 (S)
                   Code year
                   0.  Inap.


8009 (R)   R:      Year next most recent marriage ended

                   Code year
                   0.  Inap.


8010 (R)   R:      Year next most recent marriage began

                   Code year
                   0.  Inap.


8011 (R)   R:      Age at first marriage
8018 (S)
                   Code age
                   0.  Inap.


8012 (R)   R:      Total number of years married, H
8019 (S)
                   Code number of years
                   0.  Inap.


5925       Y8.2    Do you receive support from your (husband/wife), do you
                   pay support, or is there no support involved?              
                   (ASKED OF SEPARATED RESPONDENTS)

                   1.  RECEIVE SUPPORT
                   2.  NO SUPPORT INVOLVED
                   3.  PAY SUPPORT
                   0.  Inap.


5926        Y8.3   How much do you receive?                                   
                   (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)

                   Code actual amount
                   0.  Inap.


5927       Y8.3    PER                                                        
                   (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)

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


5928        Y8.4   How much do you pay?                                       
                   (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)

                   Code actual amount
                   0.  Inap.


5929       Y8.4    PER                                                        
                   (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)

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


5930        Y8.5   Are the assets and debts that you've told me about in this
                   interview owned mainly by you, are they owned jointly with
                   your (husband/wife), or what?                              
                   (ASKED OF SEPARATED RESPONDENTS)

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




5931        Y8.6   Is this your first marriage or have you been
                   married before?  (ASKED OF SEPARATED RESPONDENTS)


                   1.  FIRST MARRIAGE
                   5.  MARRIED BEFORE
                   0.  Inap. (Not separated)

5932        Y8.7   Altogether, how many times have you been married,
                   including your current marriage? (ASKED OF
                   SEPARATED RESPONDENTS)


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not separated, only married once) 

5933        Y8.8   Did any of these marriages end by your being
                   widowed? (ASKED OF SEPARATED RESPONDENTS)

                   1.  YES
                   5.  NO
                   0.  Inap. (Not separated, married less than three times)

5934        Y8.9   How many? (ASKED OF SEPARATED RESPONDENTS)

                   Code # times
                   0.  Inap. (Not separated, married less than three
                       times, married more than twice but never widowed)


            R CURRENTLY DIVORCED



6001        Y9.    In what month and year were you divorced? -- MONTH

                   Code MONTH
                   0.  Inap. (Not divorced)

6002        Y9.    In what month and year were you divorced? -- YEAR

                   Code YEAR
                   0.  Inap. (Not divorced)


6003        Y9.1   In what year did this marriage begin?

                   Code YEAR
                   0.  Inap. (Not divorced)

 
6004        Y9.2   Was that your first marriage or had you been
                   married before?

                   1.  FIRST MARRIAGE
                   5.  MARRIED BEFORE
                   0.  Inap. (Not divorced)

6005        Y9.3   Altogether, how many times have you been married?


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not divorced, only married once) 

6006        Y9.4   Did any of these marriages end by your being
                   widowed?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not divorced, married less than three times)

6007        Y9.5   How many?

                   Code # times
                   0.  Inap. (Not divorced, married less than three
                       times, married more than twice but never widowed)


            R CURRENTLY WIDOWED


6008        Y10.   In what month and year were you widowed? -- MONTH

                   Code MONTH
                   0.  Inap. (Not widowed)

6009        Y10.   In what month and year were you widowed? -- YEAR

                   Code YEAR
                   0.  Inap. (Not widowed)


6010        Y10.1  In what year did this marriage begin?


                   Code YEAR
                   0.  Inap. (Not widowed)

6011        Y10.2  Was that your first marriage or had you been
                   married before?

                   1.  FIRST MARRIAGE
                   5.  MARRIED BEFORE
                   0.  Inap. (Not widowed)

6012        Y10.3  Altogether, how many times have you been married?


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not widowed, only married once) 

6013        Y10.4  Did any of these marriages end in divorce?


                   1.  YES
                   5.  NO
                   0.  Inap. (Not widowed, married less than three times)

6014        Y10.5  How many?

                   Code # times
                   0.  Inap. (Not widowed, married less than three
                       times, married more than twice but never divorced)


            R LIVING WITH PARTNER


6015        Y11.   In what month and year did you start living with
                   your partner? -- MONTH

                   Code MONTH
                   0.  Inap. (Not living with partner)

6016        Y11.   In what month and year did you start living with
                   your partner? -- YEAR

                   Code YEAR
                   0.  Inap. (Not living with partner)

6017        Y11.1  Have you ever been married? (to some one else)?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not living with partner)

6018        Y11.2  Altogether, how many times have you been married?
                   (LEGAL MARRIAGES)
 

                   1.  ONE
                   2.  TWO
                   3.  THREE
                   4.  FOUR OR MORE
                   0.  Inap. (Not living with partner, living with
                       partner but not married before)


6019        Y11.3  Did any of these marriages end in divorce?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not living with partner, living with
                       partner but only married once before)
  
6020        Y11.4  How many?

                   Code # times
                   0.  Inap. (Not living with partner, living with
                       partner but only married once before, living
                       with partner and married at least twice but
                       never divorced)


            R HAS HAD TWO MARRIAGES


6021        Y12.   When did your first marriage begin? -- YEAR

                   Code MONTH
                   0.  Inap. (Never had at least two marriages)

6022        Y12.1  And when did that marriage end? -- YEAR

                   Code YEAR
                   0.  Inap. (Never had at least two marriages)

6023        Y12.2  Did that marriage end in divorce or were you
                   widowed?

                   4.  DIVORCED
                   5.  WIDOWED
                   0.  Inap. (Never had at least two marriages)

6024        Y13.   At what age were you first married?

                   Code AGE
                   0.  Inap. (Never had at least three marriages
                       including present marriage)

6025        Y13.1  Finally, for about how many years in total have you
                   been married (including your current marriage)?
                   (ACCEPT RANGE)

                   Code # YEARS
                   0.  Inap. (Never had at least three marriages
                       including present marriage)




6111        Y21.   Has your (husband/wife/partner) been married before?       

                   1.  YES
                   5.  NO
                   0.  Inap.


6112        Y22.   Altogether, how many times was your (husband/wife/partner)
                   married before?                                            

                   Code NUMBER
                   0.  Inap.


6113        Y22.1  When did (his/her) first marriage begin?                   
            
                   Code YEAR
                   0.  Inap.


6114        Y22.2  And when did that marriage end?                            

                   Code YEAR

                   0.  Inap.


6115        Y22.3  Did that marriage end in divorce, or was (he/she) widowed?

                   3.  Separated and not yet divorced
                   4.  DIVORCE
                   5.  WIDOWED
                   0.  Inap.


6116        Y22.4  Did any of these marriages end by your (husband/wife/
                   partner) being widowed?                                    

                   1.  YES
                   5.  NO
                   0.  Inap.


6117        Y22.5  How many?                                                  

                   Code # TIMES WIDOWED
                   0.  Inap.


6118        Y22.6  At what age was your (husband/wife/partner) first married?

                   Code YEARS OLD
                   0.  Inap.


6119        Y22.7  Finally, for about how many years in total has your
                   (husband/wife/partner) been married?  (ACCEPT RANGE)       

                   Code YEARS
                   0.  Inap.


-----------------------------------------------------------------------------
HEALTH AND HEALTH INSURANCE
-----------------------------------------------------------------------------

6030        Y15.   Now I'd like to ask you about your health; would you say
                   your health is excellent, good, fair, or poor?             
6124        Y24.   Now I'd like to ask you some questions about your family's
                   health; would you say your (husband's/wife's/partner's)
                   health in general is excellent, good, fair, or poor?       

                   1.  EXCELLENT 
                   2.  GOOD
                   3.  FAIR
                   4.  POOR
                   0.  Inap. (No spouse)


6201        Y25    INTERVIEWER CHECKPOINT: See household listing. Are
                   there one or more adults with independent finances?
            READ:  For the rest of the questions in the interview, please
                   include the adults in your household who have independent
                   finances.

                   1.  ONE OR MORE ADULTS WITH INDEPENDENT FINANCES
                   2.  ALL OTHERS

6301        Y29.   Are you or anyone in your household (including family
                   members with independent finances) currently eligible to
                   receive benefits from any government health insurance
                   programs, such as Medicare, Medicaid, or CHAMPUS, VA, or
                   other military programs? (R DOES NOT LIVE ALONE)
            Y27.   Are you currently eligible to receive benefits from any
                   government health insurance programs, such as Medicare,
                   Medicaid, or CHAMPUS, VA, or other military programs?      
                   (R LIVES ALONE)

                   1.  YES
                   5.  NO


            Y29.1  Which program is that? (Anything else?) (CODE ALL THAT
                   APPLY.)  (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
                   ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE
                   ELIGIBLE FOR MEDICAID.  CHAMPUS IS FOR ACTIVE MILITARY.)
                   (R DOES NOT LIVE ALONE)
            Y27.1  Which program is that? (Anything else?) (CODE ALL THAT
                   APPLY.)  (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
                   ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE
                   ELIGIBLE FOR MEDICAID.  CHAMPUS IS FOR ACTIVE MILITARY.)
                   (R LIVES ALONE)

6302        Y27.1/Y29.1    MEDICARE
6303        Y27.1/Y29.1    MEDICAID (include MediCal)
6304        Y27.1/Y29.1    VA/CHAMPUS
6305        Y27.1/Y29.1    OTHER

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Not eligible for any government health
                       insurance programs)


6306        Y29.2  Is everyone living here covered by (this/one of these)
                   program(s)?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not eligible for any government health
                       insurance programs)


           Y29.4  Who is not covered? (Anyone else?)  (CODE ALL THAT
                   APPLY.)

6308        Y29.4      R                                                      
6309        Y29.4      SPOUSE                                                 
6310        Y29.4      CHILD(REN) UNDER 18                                    
6311        Y29.4      CHILD(REN) 18 AND OVER                                 
6312        Y29.4      FATHER (IN-LAW)                                        
6313        Y29.4      MOTHER (IN-LAW)                                        
6314        Y29.4      OTHER:                                                 

                   1.  Checked                              
                   2.  Grandchild (6314 only)
                   5.  Not checked
                   0.  Inap. (Not eligible for any government health
                       insurance programs, everyone covered by
                       government health insurance programss)


6315        Y29.3  Are you or anyone covered by any other type of health
                   coverage such as employer or union plans, or Blue Cross-Blue
                   Shield, a Health Maintenance Organization (HMO) or
                   some other health insurance?              
                   (R DOES NOT LIVE ALONE)
            Y30.   Are you or anyone covered by any (other) type of
                   health coverage such as employer or union plans, or
                   Blue Cross-Blue Shield, a Health Maintenance
                   Organization (HMO) or some other health insurance?
                   (R DOES NOT LIVE ALONE)
            Y27.2  Are you covered by any other type of health
                   coverage such as employer or union plans, or Blue
                   Cross-Blue Shield, a Health Maintenance
                   Organization (HMO) or some other health insurance?
                   (R LIVES ALONE)
            Y28.   Are you covered by any type of health coverage such
                   as employer or union plans or Blue Cross-Blue
                   Shield, a Health Maintenance Organization (HMO), or
                   some other health insurance? (R LIVES ALONE)

                   1.  YES
                   5.  NO


            Y31.   Is this coverage obtained through your employer, former
                   employer, or union, (your [husband's/wife's/partner's]
                   employer, former employer, or union,) through direct
                   payments to an insurance company, or AARP or what?
                   (CODE ALL THAT APPLY.) (R DOES NOT LIVE ALONE)
           Y28.1  Is this coverage obtained through your employer or former
                   employer, a union, through direct payments to an insurance
                   company, or AARP or what?  (CODE ALL THAT APPLY.)
                   (R LIVES ALONE)

6316        Y28.1/Y31.     R'S EMPLOYER (incl. R's own business)
6317        Y28.1/Y31.     R'S FORMER EMPLOYER
6318        Y28.1/Y31.     R'S UNION
6319        Y31.           S'S EMPLOYER
6320        Y31.           S'S FORMER EMPLOYER
6321        Y31.           S'S UNION
6322        Y28.1/Y31.     DIRECT PAYMENT
7767        Y28.1/Y31.     AARP
6323        Y28.1/Y31.     OTHER:

                   1.  Checked                              
                   2.  Employer of HU member (except R or Spouse) (6323 only)
                   3.  Through a relative outside the HU (incl. Ex-spouse);
                       former spouse's employer (R lives alone)
                       (6323 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage)


           Y31.1  How is this coverage paid for -- by you, by an employer,
                  by you and an employer, by a relative, or what?  (CODE ALL 
                  THAT APPLY.) (R DOES NOT LIVE ALONE)
           Y28.2  How is this coverage paid for -- by you, by an employer,
                  by you and an employer, by a relative, or what? (CODE ALL 
                  THAT APPLY. (R LIVES ALONE)

6324        Y28.2/Y31.1  A.  R/FAMILY
6325        Y28.2/Y31.1  B.  EMPLOYER (incl. R's or S's own business)
6326        Y28.2/Y31.1  C.  RELATIVE
6327        Y28.2/Y31.1  D.  FORMER EMPLOYER
6328        Y28.2/Y31.1  E.  OTHER:

                   1.  Checked                              
                   2.  Employer of someone else in HH other than R/Spouse
                       (6328 only)
                   3.  Employer of person outside HH, incl. relatives/
                       ex-spouse (6328 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage)




7666        Y31.2  How much do you (and your family living here) pay
                   each month for insurance? -- AMOUNT (R DOES NOT
                   LIVE ALONE)
            Y28.3  How much do you pay each month for this insurance?
                   -- AMOUNT (R LIVES ALONE)

                   Code $ amount
                   0.  Inap. (No private health insurance coverage, 
                       coverage not paid by respondent/family)


7667        Y31.2  PER
            Y28.3  PER


                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -7.  Other
                   0.  Inap. (No private health insurance coverage, 
                       coverage not paid by respondent/family)


6329        Y31.3  Is everyone in your household covered by at least one of
                   these private health programs?                             

                   1.  YES
                   5.  NO
                   0.  Inap. (No private health insurance coverage)


           Y31.4  Who is not covered (including those with independent
                   finances)?  (Anyone else?) (CODE ALL THAT APPLY.)

6330        Y31.4  A.  R                                                      
6331        Y31.4  B.  SPOUSE/PARTNER                                         
6332        Y31.4  C.  CHILD(REN) UNDER 18                                    
6333        Y31.4  D.  CHILD(REN) 18 AND OVER                                 
6334        Y31.4  E.  FATHER (IN-LAW)                                        
6335        Y31.4  F.  MOTHER (IN-LAW)                                        
6336        Y31.4  G.  OTHER:                                                 

                   1.  Checked                              
                   2.  Other adult relative(s) (6336 only)
                   3.  Non-relative(s) (6336 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage,
                       everyone covered by private health insurance)


6337       Y32.   (SHOW CARD 17)  This is a list of reasons why some people
                   don't have health insurance.  Which number best describes
                   why (you/some members of your household) are not covered?  

                    1.  TOO EXPENSIVE, CAN'T AFFORD HEALTH INSURANCE
                    2.  CAN'T GET INSURANCE BECAUSE OF POOR HEALTH, AGE, OR
                        ILLNESS
                    3.  DON'T BELIEVE IN HEALTH INSURANCE
                    4.  NOT MUCH SICKNESS IN THE FAMILY; WE HAVEN'T NEEDED
                        INSURANCE; haven't gotten around to it
                    5.  DISSATISFIED WITH PREVIOUS INSURANCE
                    6.  JOB LAYOFF OR JOB LOSS;
                    7.  Firm cancelled/does not offer plan
                   11.  Not covered (on job) yet, but will be soon
                   15.  Pre-exisiting conditions
                   18.  Missed application deadline at work
                   30.  Foreign insurance that does not cover the U.S.
                   95.  Those without private insurance are already covered
                        by Medicare/Medicaid
                   -7.  OTHER
                    0.  Inap. (All covered by private/government
                        health insurance.  NOTE: corrects
                        questionniare error.)


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-----------------------------------------------------------------------------
FINANCES OF OTHER ECONOMIC UNITS WITHIN THE HOUSEHOLD
-----------------------------------------------------------------------------

6401        Y33.   INTERVIEWER CHECKPOINT                                     

                   1.  1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F
                       MARKED "INDEP")
                   2.  ALL OTHERS
                   0.  Inap. (R lives alone)


6402        Y34.   I'd like to ask some questions just about the other adults
                   18 and over who live with you (and your family) but have
                   independent finances.  (Does he/Does she/Do any of these 
                   other adults) receive any income from wages or salaries?   

                   1.  YES
                   3.  YES, amount edited out earlier
                   4.  YES, but no evidence of account earlier
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6403        Y34.1  Roughly how much total income did (he/she/they) have from
                   wages and salaries in 1991 before taxes and deductions?  
                   (ACCEPT RANGE.)                                            

                   Code actual amount
                   -1.  Zero; none in 1991
                    0.  Inap. (No adults with independent finances,
                        independent adults have no wages/salaries)


6404        Y34.2  Did you include this amount in the income you told
                   me about earlier in this interview? (IF R TOLD ONLY
                   ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no wages/salaries)


7668        Y34.3  Where did you tell me about this income?

                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no wages/salaries,
                        did not include this income earlier)



6405        Y35.   (Does he/Does she/Do they) receive income from any other
                   sources (such as social security, a pension, disability
                   payments, public assistance, or income from a business or
                   other assets)?                                             

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


           Y35.1   What other sources of income (does he/does she/do they)
                   have?  (CODE ALL THAT APPLY.)

6406        Y35.1  A.  SOCIAL SECURITY                                        
6407        Y35.1  B.  PENSIONS                                               
6408        Y35.1  C.  DISABILITY                                             
6409        Y35.1  D.  PUBLIC ASSISTANCE                                      
6410        Y35.1  E.  INTEREST INCOME                                        
6411        Y35.1  F.  DIVIDENDS                                              
6412        Y35.1  G.  BUSINESS                                               
6413        Y35.1  H.  REAL ESTATE                                            
6414        Y35.1  J.  OTHER                                                  

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)


6415       Y35.2  Roughly how much total income did (he/she/they) have from
                   (all these/this) source(s) in 1991 before taxes and
                   deductions?                                                

                   Code actual amount
                   -1.  Zero; none in 1991
                    0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)


6416       Y35.3  Did you include this amount in the income you told
                  me about earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    4.  YES, but no evidence of account earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)

7669       Y35.4  Where did you tell me about this income?

                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources,
                        did not include this income earlier)


6417       Y36.   (Does he/Does she/Do any of them) have any cars or other
                   vehicles?                                                  

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6418        Y36.1  Roughly, how much (is this/are these) vehicle(s) worth in
                   today's prices?  (ACCEPT RANGE.)                           

                   Code actual amount
                   -1.  Zero; worth nothing
                    0.  Inap. (No adults with independent finances,
                        independent adults have no vehicles)


6419       Y36.2  Did you include this/these vehicles in the ones you told
                  me about earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    4.  YES, but no evidence of account earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no vehicles)

7670       Y36.3  Where did you tell me about this/these vehicles?


                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no vehicles,
                        did not include this income earlier)



6420        Y37.   (Does he/Does she/Do they) have any bank accounts, savings
                   accounts, or savings bonds?                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6421       Y37.1  Roughly, how much in total (does he/does she/do they) have
                   in bank accounts, savings accounts, or savings bonds?
                   (ACCEPT RANGE.)                                            

                   Code actual amount
                   -1.  Zero; account with no balance
                    0.  Inap. (No adults with independent finances,
                        independent adults have no accounts/savings bonds)



6422       Y37.2  Did you include this amount when you told
                  me about these items earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    4.  YES, but no evidence of account earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no accounts/savings bonds)

7671       Y37.3  Where did you tell me about these items?

                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no accounts/savings bonds,
                        did not include this income earlier)





6423       Y38.   (Does he/Does she/Do they) have any other assets (such as
                   stocks, bonds, a business, or any properties, including
                   any part of the [house/apartment] you live in)?            

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


            Y38.1  What other kinds of assets (does he/does she/do they)
                   have?  (CODE ALL THAT APPLY.)

6424        Y38.1  A.  R'S HOME                                               
6425        Y38.1  B.  STOCKS                                                 
6426        Y38.1  C.  BONDS                                                  
6427        Y38.1  D.  MUTUAL FUNDS                                           
6428        Y38.1  E.  MONEY MARKET FUNDS                                     
6429        Y38.1  F.  BUSINESS                                               
6430        Y38.1  G.  OTHER REAL ESTATE                                      
6431        Y38.1  H.  OTHER                                                  

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No adults with independent finances,
                        independent adults have no other assets)


6432        Y38.2  Roughly, how much in total (does he/does she/do they) have
                   in (all these/this) asset(s)?  (ACCEPT RANGE.)             

                   Code actual amount
                   -1.  Zero value; currently a loss
                    0.  Inap. (No adults with independent finances,
                        independent adults have no other assets)




6433       Y38.3  Did you include this amount in the assets you told
                  me about earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                   1.  YES
                   3.  YES, amount edited out earlier
                   4.  YES, but no evidence of account earlier
                   5.  NO
                   0.  Inap. (No adults with independent finances,
                       independent adults have no other assets)

7672       Y38.4  Where did you tell me about this/these asset(s)?


                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no other assets,
                        did not include this income earlier)


6434        Y39    INERVIEWER CHECKPOINT: "R's HOME" MARKED IN Y38.1


                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances,
                       independent adults have no other assets)

6435        Y39.1  What share of this home (does he/does she/do they) own?    

                   Code PERCENT to 2 decimal places
                   0.  Inap. (No adults with independent finances,
                       independent adults do not own part of R's home)


6436       Y39.2  What is the present value of this home?  I mean, about
                   what would it bring if it were sold today?                 

                   Code actual amount
                   0.  Inap. (No adults with independent finances,
                       independent adults do not own part of R's home)


6437        Y39.3  What is the amount still owed on all the mortgages, land
                   contracts and loans on the home?  (ACCEPT RANGE.)          

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No adults with independent finances,
                        independent adults do not own part of R's home)


6438       Y40.   Not including any debts (he/she/they) owe(s) you (or your
                  [husband/wife/partner]), (does he/does she/do they) have any
                   debts?  (IF R ASKS: DO NOT INCLUDE MORTGAGE ON R'S HOME.)  

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6439        Y40.1  Roughly how much in total are (his/her/their) debts?       

                   Code actual amount
                   0.  Inap. (No adults with independent finances,
                       independent adults do have any debts)




6440        Y40.2  Did you include these debts when you told me about
                   the household debts earlier in this interview? (IF R ONLY
                   TOLD ABOUT PART, MAKE NOTE.)

                   1.  YES
                   3.  YES, amount edited out earlier
                   4.  YES, but no evidence of account earlier
                   5.  NO
                   0.  Inap. (No adults with independent finances,
                       independent adults do have any debts)

7673        Y40.3  Where did you tell me about these debts?

                   Code up to 5 characters
                   0.  Inap. (No adults with independent finances,
                       independent adults do have any debts,
                       did not include this income earlier)



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-----------------------------------------------------------------------------
EXPECTATIONS AND ATTITUDES
-----------------------------------------------------------------------------

301         A1.    I'd like to start this interview by asking you about your
                   expectations for the future.  Over the next five years, do
                   you expect the U.S. economy as a whole to perform better,
                   worse, or about the same as it has over the past five
                   years?                                                     

                   1.  BETTER 
                   2.  WORSE 
                   3.  ABOUT THE SAME 


302         A2.    Five years from now, do you think interest rates will be
                   higher, lower, or about the same as today?                 

                   1.  HIGHER   
                   2.  LOWER    
                   3.  ABOUT THE SAME


303        A3.    Over the next five years, do you expect your total
                   (family) income to go up more than prices, less than
                   prices, or about the same as prices?                       

                   1.  UP MORE  
                   2.  UP LESS  
                   3.  ABOUT THE SAME


304         A4.    Over the past five years, did your total (family) income
                   go up more than prices, less than prices, or about the
                   same as prices?                                            

                   1.  UP MORE  
                   2.  UP LESS  
                   3.  ABOUT THE SAME



7586        A4.1.  At this time, do you have a good idea of what your
                   (family's) income for the next year will be?


                   1.  YES                                  
                   5.  NO

401         B1.    Now I would like to ask you some questions about how you
                   feel about credit.  In general, do you think it is a good
                   idea or a bad idea for people to buy things on the
                   installment plan?                                          

                   1.  GOOD IDEA
                   3.  GOOD IN SOME WAYS, BAD IN OTHERS
                   5.  BAD IDEA


            B2.    People have many different reasons for borrowing money
                   which they pay back over a period of time.  For each of
                   the reasons I read, please tell me whether you feel it is
                   all right for someone like yourself to borrow money...
402         B2.1   first, to cover the expenses of a vacation trip?           
403         B2.2   next, to cover living expenses when income is cut?         
404         B2.3   (next,) to finance the purchase of a fur coat or jewelry?  
405         B2.4   (next,) to finance the purchase of a car?                  
406         B2.5   finally, to finance educational expenses?                  

                   1.  YES                                  
                   5.  NO


407         B3.    In the past five years, has a particular lender or
                   creditor turned down any request you (or your
                   [husband/wife/partner]) made for credit, or not
                   given you as much credit as you applied for?
                   (PROBE: Turned down, or not as much credit?)

                   1.  YES, TURNED DOWN
                   3.  YES, NOT AS MUCH CREDIT
                   5.  NO


408         B3.1   Were you later able to obtain the full amount you (or your
                   husband/wife/partner) requested by reapplying to the same
                   institution or by applying elsewhere?                      

                   1.  YES
                   3.  DID NOT REAPPLY
                   5.  NO
                   0.  Inap. (Not turned down)


7585        B3.2   On the most recent occasion, what reasons were you
                   (or your husband/wife/partner) given for being 
                   turned down for credit or unable to get as much
                   credit as you applied for?
          
                  50.  FAMILY BACKGROUND
                  51.  FAMILY SIZE
                  52.  MARITAL STATUS
                  53.  SEX
                  54.  COMBINATION MARITAL STATUS AND SEX
                  55.  AGE
                  56.  RACE 
                  57.  PERSONAL CHARACTER/REPUTATION
                  58.  HEALTH
                  59.  OTHER PERSONAL CHARACTERISTIC
                  61.  NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION
                  62.  NO CREDIT HISTORY
                  63.  CREDIT REPORTS FROM CREDIT BUREAU
                  64.  CREDIT RECORDS FROM OTHER INSTITUTIONS
                  65.  LACK OF ASSETS
                  66.  AMOUNT OF DEBT
                  69.  OTHER CREDIT CHARACTERISTICS
                  71.  TIME ON CURRENT JOB
                  72.  JOB, TYPE OF WORK
                  73.  LACK OF JOB
                  74.  LACK OF HOMEOWNERSHIP
                  75.  TIME AT CURRENT ADDRESS
                  76.  AMOUNT OF INCOME
                  77.  SOURCE OF INCOME
                  78.  WHERE YOU LIVE
                  79.  OTHER FINANCIAL CHARACTERISTICS
                  81.  LACK OF FAMILIARITY/EXPERIENCE
                  82.  PREVIOUS BAD EXPERIENCE
                  83.  INSTITUTION IS MORE STRICT
                  87.  DISCRIMINATION, RED-LINING
                  88.  INCONVENIENT, DIFFICULT
                  89.  OTHER MISCELLANEOUS
                  90.  DIDN'T APPROVE OF LOAN PURPOSE
                  91.  LOAN TOO LARGE FOR SOURCE TO HANDLE
                  92.  INTEREST
                  -1.  NONE, NO REASON GIVEN
                  -7.  OTHER

 


7584        B3.3   What type of credit did you apply for?

                   1.  MORTGAGE
                   2.  CAR LOAN
                   3.  OTHER INSTALLATION PLAN
                   4.  CREDIT CARD
                   6.  STORE ACCOUNT
                  17.  EQUITY LOAN
                  18.  Business/investment loan
                  19.  Line of credit
                  20.  Personal loan
                  21.  Consolidation loan
                  -7.  OTHER

409         B3.4   Was there any time in the past five years that you
                   (or your husband/wife/partner) thought of applying
                   for credit at a particular place, but changed
                   your mind because you thought you might
                   be turned down?

                   1.  YES                                  
                   5.  NO

7583        B3.5   On the most recent occasion, why did you (or your
                   husband/wife/partner) think you might be turned down?

          
                  50.  FAMILY BACKGROUND
                  51.  FAMILY SIZE
                  52.  MARITAL STATUS
                  53.  SEX
                  54.  COMBINATION MARITAL STATUS AND SEX
                  55.  AGE
                  56.  RACE 
                  57.  PERSONAL CHARACTER/REPUTATION
                  58.  HEALTH
                  59.  OTHER PERSONAL CHARACTERISTIC
                  61.  NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION
                  62.  NO CREDIT HISTORY
                  63.  CREDIT REPORTS FROM CREDIT BUREAU
                  64.  CREDIT RECORDS FROM OTHER INSTITUTIONS
                  65.  LACK OF ASSETS
                  66.  AMOUNT OF DEBT
                  69.  OTHER CREDIT CHARACTERISTICS
                  71.  TIME ON CURRENT JOB
                  72.  JOB, TYPE OF WORK
                  73.  LACK OF JOB
                  74.  LACK OF HOMEOWNERSHIP
                  75.  TIME AT CURRENT ADDRESS
                  76.  AMOUNT OF INCOME
                  77.  SOURCE OF INCOME
                  78.  WHERE YOU LIVE
                  79.  OTHER FINANCIAL CHARACTERISTICS
                  81.  LACK OF FAMILIARITY/EXPERIENCE
                  82.  PREVIOUS BAD EXPERIENCE
                  83.  INSTITUTION IS MORE STRICT
                  87.  DISCRIMINATION, RED-LINING
                  88.  INCONVENIENT, DIFFICULT
                  89.  OTHER MISCELLANEOUS
                  90.  DIDN'T APPROVE OF LOAN PURPOSE
                  91.  LOAN TOO LARGE FOR SOURCE TO HANDLE
                  92.  INTEREST
                  -1.  NONE, NO REASON GIVEN
                  -7.  OTHER

 


3001        I16.   R HAS ANY TYPE OF LOAN OR DEBT? CODE ALL THAT
                   APPLY. REFER TO INSTITUTIONS CARD.

                   1.    R HAS ANY TYPE OF LOAN OR DEBT -- MORTGAGE, HOUSING
                         LOAN, PROPERTY, VEHICLE OR OTHER LOANS
                   2.    ALL OTHERS 
                   3.    CHECKED "NO DEBTS," BUT R HAD DEBTS
                   4.    CHECKED "DEBTS," R HAD NO DEBTS


3002       I17.   (SHOW CARD 5)  Thinking about the loan or mortgage that you
                   took out most recently, what was the main reason you chose
                   the lender that you did? Was it because of the location
                   of their offices, because they had the best interest
                   rates, because you were able to obtain many services at
                   one place, because they were recommended by someone else,
                   or some other reason?                                     

                    1.   RECOMMENDED
                    2.   INTEREST RATES
                    3.   LOCATION OF OFFICES
                    4.   Other business done here
                    5.   Easy to qualify (for credit); only place that would
                         give us a loan
                    6.   MANY/SPECIAL SERVICES IN ONE PLACE
                    7.   Low fees/service charges
                   11.   Personal relationship; they know me;
                         know/like them; freindly;
                         R/Spouse works there
                   21.   No choice--assumed existing debt and lender from
                         previous owner
                   22.   No choice--financed through store/dealer and this
                         was their financial institution
                   23.   Advertisement
                   24.   Convenient hours
                   25.   No particular reason
                   26.   No other institutions
                   27.   Privacy
                   -7.   OTHER
                    0.   Inap. (R has no loans)


3003       I18.    (READ SLOWLY:)  Again thinking  about the same
                   loan, roughly how far was the office where the
                   application was made from the home or workplace of the
                   person who made the application?  (IF R ASKS:  WE WANT THE
                   CLOSER OF THE DISTANCE FROM HOME OR OFFICE.)  (ACCEPT
                   RANGE.)                                                    

                   Code MILES
                   51.   OVER 50 MILES
                   -1.   LESS THAN A MILE
                    0.   Inap. (R has no loans)


3004        I19.   Now thinking of all the various loan payments you made
                   during the last year, were all the payments made the way
                   they were scheduled, or were payments on any of the loans
                   sometimes made later or missed?                            

                   1.  ALL PAID AS SCHEDULED                
                   5.  SOMETIMES GOT BEHIND OR MISSED PAYMENTS
                  -1.  Payments not due/started yet
                  -7.  Other
                   0.  Inap. (R has no loans)


3005       I19.1  Were you ever behind in your payments by two months or
                   more?                                                      

                   1.  YES
                   5.  NO
                   0.  Inap. (R has no loans, all payments made as scheduled)



3006       J1.    Now I'd like to ask a few questions about your (family's)
3007               savings.  People have different reasons for saving.  What
7515               are your (family's) most important reasons for saving?     
7514
7513                1.   Children's education; education of grandchildren
                    2.   Own education; spouse's education; education--NA for
                         whom
                    3.   "For the children/family"--NFS; "to help the kids
                         out"
                   11.   Buying own house (code summer cottage in 12)
                   12.   Purchase of cottage or second home for own use
                   13.   Buy a car
                   14.   Home improvements/repairs
                   15.   To travel; take vacations
                   16.   Buy durable household goods, appliances, home
                         furnishings; hobby items; for other purchases not
                         codable above or not further specified; "buy things
                         when we need/want them"; moving/special occasions
                   17.   Burial; funeral expenses
                   18.   Charitable or religious contributions
                   21.   Buying (investing in) own business/farm; equipment
                         for business/farm
                   22.   Retirement; old age
                   23.   Reserves in case of unemployment
                   24.   In case of illness; medical/dental expenses
                   25.   Emergencies; "rainy days"; other unexpected needs;
                         for "security"/independence
                   26.   Investment reasons (to get interest, to be
                         diversified, to buy other forms of assets)
                   27.   To meet contractual commitments (debt repayment,
                         insurance, taxes, settlement, etc.); to pay
                         off house
                   28.   "To get ahead"; for the future; to advance standard
                         of living
                   29.   Ordinary living expenses/bills
                   30.   To move
                   90.   Had extra income; saved because had the money left
                         over--no other purpose specified
                   91.   Wise/prudent thing to do; good discipline to save
                   92.   Liquidity; to have cash available/on hand
                   -1.   Don't/can't save; "have no money"
                    0.   Inap. (No additional reason)



3010        J2.    Are there any forseeable major financial
                   obligations that you (and your family) expect
                   will have to be met in the future, such as
                   educational expenses, health care costs, and so forth?
                   (IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN
                   YEARS.)


                   1.  YES
                   5.  NO




3011        J2.1.  (SHOW CARD 6) What kinds of obligations are these?
3012               (CODE ALL THAT APPLY.)    
3013
7512
7511                Code up to 5 mentions
                    1.   EDUCATION: R'S CHILDREN (incl. step & adopted
                         children); grandchildren
                    2.   EDUCATION: OTHERS (incl. R & spouse)
                    3.   HEALTH CARE: SELF/SPOUSE
                    4.   HEALTH CARE: OTHERS (incl. elderly parents/disabled
                         child)
                    5.   Health care/Medical expenses -- NA for whom
                   11.   General support for R/spouse in retirement or old
                         age
                   12.   General support for (disabled) child/grandchild;
                         "raising my grandson"
                   13.   General support for parents
                   14.   General support for others or NA for whom
                   21.   Home purchase (incl. vacation home)
                   22.   Purchase of car or other large durable goods
                   23.   Burial expenses
                   24.   Taxes
                   25.   Home repairs/improvements
                   26.   Weddings, vacations, moving and other special
                         expenditures
                   31.   Business/investment; start/expand own business
                   35.   Settlement; legal expenses
                   41.   Bills/living expenses--NFS
                   -7.   OTHER
                    0.  Inap. (No financial obligations, no additional
                        financial obligations)



3008        J3.    (SHOW CARD 7)  In deciding how much of their (family) income
                   to spend or save, people are likely to think about
                   different financial planning periods.  In planning your
                   (family's) saving and spending, which of the time periods
                   listed on this page is most important to you (and your
                   [husband/wife/partner])?

                   1.  NEXT FEW MONTHS
                   2.  NEXT YEAR
                   3.  NEXT FEW YEARS
                   4.  NEXT 5 - 10 YEARS
                   5.  LONGER THAN 10 YEARS
                  -1.  R only says: "no savings"/"can't (don't) save"


3009        J4.    Which is the least important to you?

                   1.  NEXT FEW MONTHS
                   2.  NEXT YEAR
                   3.  NEXT FEW YEARS
                   4.  NEXT 5 - 10 YEARS
                   5.  LONGER THAN 10 YEARS
                  -1.  R only says: "no savings"/"can't (don't) save"


3014        J5.    (SHOW CARD 8)  Which of the statements on this page comes
                   closest to the amount of financial risk that you (and your
                   [husband/wife/partner]) are willing to take when
                   you save or make investments? (READ ANSWERS ONLY IF
                   NECESSARY)                  
                   If more than one box checked, code smallest category #.
                   

                   1.    TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN
                         SUBSTANTIAL RETURNS.
                   2.    TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
                         ABOVE AVERAGE RETURNS.
                   3.    TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
                         AVERAGE RETURNS.   
                   4.    NOT WILLING TO TAKE ANY FINANCIAL RISKS.


            J6.    (SHOW CARD 9)   Which of the following statements on this
                   page comes closest to describing you(r) (and your
                   [husband's/wife's/partner's]) saving habits?
                   (CODE MORE THAN ONE ONLY IF NECESSARY.) (READ
                   ANSWERS ONLY IF NECESSARY.)

3015        J6-1.  DON'T SAVE -- USUALLY SPEND MORE THAN INCOME               
3016        J6-2.  DON'T SAVE -- USUALLY SPEND ABOUT AS MUCH AS INCOME        
3017        J6-3.  SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH--NO
3018        J6-4.  SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER          
3019        J6-5.  SPEND REGULAR INCOME, SAVE OTHER INCOME                    
3020        J6-6.  SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH           

                   1.  Checked
                   5.  Not checked




3023         J7.   (SHOW CARD 10) How would you rate the
                   retirement income you (expect to) receive 
                   from Social Security and job pensions?                     

                   1.  TOTALLY INADEQUATE
                   2.
                   3.  ENOUGH TO MAINTAIN LIVING STANDARDS
                   4.
                   5.  VERY SATISFACTORY


3024        J8.    (SHOW CARD 10)  When making major decisions about borrowing
                   and saving, some people shop around for the very best
                   terms while others don't.  Where would your family be on
                   the scale?                                                 

                   1.  ALMOST NO SHOPPING
                   2.
                   3.
                   4.
                   5.  A GREAT DEAL OF SHOPPING



7510        J9.    Over the past year, would you say that (your/your
                   family's) spending exceeded (your/your family's)
                   income, that it was about the same as your income,
                   or that you spent less than your income? (Spending
                   should not include any investments you have made.)


                   1.  SPENDING EXCEEDED INCOME
                   2.  SPENDING EQUALLED INCOME
                   3.  SPENDING WAS LESS THAN INCOME
                    
7509        J9.1.  Did any of that spending include purchases of a
                   home or automobile or spending for any investments?

                   1.  YES 
                   5.  NO
                   0.  Inap. (spending did not exceed income)

7508        J9.2.  Including only monthly payments on your house or
                   car and leaving aside any spending on investments,
                   over the past year, would you say that (your/your
                   family's) spending exceeded (your/your family's)
                   income, that is was about the same as your income,
                   or that you spent less than your income?

                   1.  SPENDING EXCEEDED INCOME
                   2.  SPENDING EQUALLED INCOME
                   3.  SPENDING WAS LESS THAN INCOME
                   0.  Inap.

7507        J9.3.  To make up the difference, did you borrow
                   additional money, did you spend out of savings or
                   investments, or did you do something else?

                   1.  BORROWED MONEY
                   2.  SPENT OUT OF SAVINGS/INVESTMENTS
                   3.  Got behind on payments; didn't pay bills
                   4.  Help from others
                   5.  Possible respondent error #1: cut back on expenses
                   6.  Possible respondent error #2: got addititional income
                  -7.  OTHER
                   0.  Inap. (spending did not exceed income)

7506        J9.4.  Did any of that spending include purchases of a
                   home or automobile or spending for any investments?


                   1.  YES 
                   5.  NO
                   0.  Inap. (spending did not equal income)


-----------------------------------------------------------------------------
LINKAGE TO PENSION PROVIDER
-----------------------------------------------------------------------------
6501        Y42.   END OF IW REFERENCE:  RESPONDENT'S EMPLOYMENT/PENSION
                   INFORMATION                                                

                   1.    R IS COVERED BY PENSION ON CURRENT JOB (1 OR MORE
                         PLANS AT R18, P. 82)
                   2.    ALL OTHERS



6502        Y43.   END OF IW REFERENCE:  SPOUSE'S EMPLOYMENT/PENSION
                   INFORMATION                                                

                   3.    R IS NOT MARRIED/LIVING WITH PARTNER
                   4.    S IS COVERED BY PENSION ON CURRENT JOB
                   5.    ALL OTHERS  


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-----------------------------------------------------------------------------
INTERVIEWER OBSERVATIONS
-----------------------------------------------------------------------------

6503       ZZ1.   RELATIONSHIP OF R TO INFORMANT:                            

                   1.  R IS INFORMANT 
                   2.  Spouse of Informant; partner of Informant
                   3.  Child  "     "
                   4.  Parent "     "
                   5.  Roommate/friend
                   6.  Employer of Informant (e.g., maid was Informant)
                   7.   Aunt/uncle
                   8.   Grandchild
                   9.   Grandparent (incl. in-laws)
                  10.   Cousin
                  11.   Niece/nephew
                  12.   Sister/brother (incl. in-laws)
                  13.   Great grandchild
                  14.   Other relative
                  -7.  OTHER: R IS __________ OF INFORMANT


6504        ZZ2.   TYPE OF STRUCTURE IN WHICH FAMILY LIVES:                   
                         

                    0.  IW NOT CONDUCTED AT R'S HOME (low priority code)
                    1.  TRAILER; MOBILE HOME
                    2.  DETACHED SINGLE FAMILY HOUSE 
                    3.  2-FAMILY HOUSE, 2 UNITS SIDE BY SIDE 
                    4.  2-FAMILY HOUSE, 2 UNITS ONE ABOVE THE OTHER;
                        "duplex"--NA whether  3 or  4
                    5.  DETACHED 3-4 FAMILY HOUSE
                    6.  ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)
                    7.  APARTMENT HOUSE (4 OR FEWER UNITS)
                    8.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
                        LESS)
                    9.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
                        MORE)
                   10.  APARTMENT IN PARTLY COMMERCIAL STRUCTURE
                   11.  Gov't. housing "projects"--not codeable above
                   12.  CO-OP/CONDO/NFS  
                   -7.  OTHER



            ZZ3.   NEIGHBORHOOD:  Look at the structures on R's block and
                   CODE as many as apply.

6505        ZZ3.       VACANT LAND (include "lake", "farmland")               
6506        ZZ3.       TRAILER/MOBILE HOME                                    
6507        ZZ3.       DETACHED SINGLE FAMILY HOUSE                           
6508        ZZ3.       2-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE THE OTHER    
6509        ZZ3.       DETACHED 3-4 FAMILY HOUSE                              
6510        ZZ3.       ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)         
6511        ZZ3.       APARTMENT HOUSE (4 OR FEWER UNITS)                     
6512        ZZ3.       CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
                       LESS)                                                  
6513        ZZ3.       CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
                       MORE)                                                  
6514        ZZ3.       COMMERCIAL OR INDUSTRIAL STRUCTURE                     
6515        ZZ3.       PARK; golf course                                      
6516        ZZ3.       SCHOOL OR OTHER GOV'T. BUILDING                        
6517        ZZ3.       VACANT BUILDING                                        
7768        ZZ3.       FARM
6518        ZZ3.       OTHER                                                  

                   1.  Checked                              
                   2.  Gov't/Housing Project--not codeable above
                   5.  Not checked
                   0.  Inap. (Interview not conducted in R's home)


6519        ZZ4.   BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD (LOOK UP AND DOWN
                   THE BLOCK) ARE:                                            

                   1.  ALL RESIDENTIAL
                   2.  MOSTLY RESIDENTIAL
                   3.  ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL
                   4.  MOSTLY NONRESIDENTIAL
                   5.  NONE IN VIEW;
                   0.  Inap. (Interview not conducted in R's home)



6520        ZZ5.  HOUSING STRUCTURES ON BLOCK ARE:                            

                   1.  0-20 FEET APART
                   2.  21-100 FEET APART
                   3.  OVER 100 FEET APART
                   0.  Inap. (Interview not conducted in R's home)


6521       ZZ6.   CONDITION OF BUILDING EXTERIOR IS:                         

                   1.  CLEAN AND SOUND
                   2.  SOME PAINT PEELING OR CRACKS IN MASONRY
                   3.  NEEDS SUBSTANTIAL PAINTING, REFILLING, OR REPAIR
                   4.  DILAPIDATED
                   0.  Inap. (Interview not conducted in R's home)


6522        ZZ7.   CONDITION OF THE EXTERIOR OF BUILDINGS ON BLOCK IN GENERAL
                   (BOTH SIDES OF STREET) LOOKS:                              

                   1.  BETTER THAN R'S
                   2.  AS GOOD AS R'S
                   3.  WORSE THAN R'S
                   4.  NO OTHER BUILDINGS IN VIEW;
                       Inap. (Interview not conducted in R's home)


6523        ZZ8.   PLEASE RATE THE PHYSICAL CONDITION OF THE INTERIOR OF THE
                   HU:                                                        

                   1.  EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS; PAINT OR
                       PANELLING IS IN GOOD CONDITION
                   2.  GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING
                   3.  FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS
                       NEED PATCHING, PAINTING NEEDED, ETC.
                   4.  POOR: SOME WALLS OR CEILINGS NEED REPLACEMENT
                   0.  Inap. (Interview not conducted in R's home)


6524       ZZ9.   NEIGHBORHOOD RESIDENTS SEEM TO BE:                         

                   1.  ALL BLACK
                   2.  ALMOST ALL BLACK
                   3.  HALF BLACK AND HALF NON-BLACK
                   4.  ALMOST ALL NON-BLACK
                   5.  ALL NON-BLACK
                   0.  Inap. (Interview not conducted in R's home)


6525        ZZ10.  R'S UNDERSTANDING OF THE QUESTIONS WAS . . .               

                   1.  EXCELLENT
                   2.  GOOD
                   3.  FAIR
                   4.  POOR


6526        ZZ11.  R'S ABILITY TO EXPRESS (HIMSELF/HERSELF) WAS . . .         

                   1.  EXCELLENT
                   2.  GOOD
                   3.  FAIR
                   4.  POOR


6527       ZZ12.  WAS R SUSPICIOUS ABOUT THE STUDY BEFORE THE INTERVIEW?     

                   1.  NO, NOT AT ALL SUSPICIOUS
                   2.  YES, SOMEWHAT SUSPICIOUS
                   5.  YES, VERY SUSPICIOUS


6528        ZZ13.  WAS R SUSPICIOUS ABOUT THE STUDY AFTER THE INTERVIEW?      

                   1.  NO, NOT AT ALL SUSPICIOUS
                   2.  YES, SOMEWHAT SUSPICIOUS
                   5.  YES, VERY SUSPICIOUS


6529        ZZ14.  OVERALL, HOW GREAT WAS R'S INTEREST IN THE INTERVIEW?      

                   1.  VERY HIGH
                   2.  ABOVE AVERAGE
                   3.  AVERAGE
                   4.  BELOW AVERAGE
                   5.  VERY LOW


            ZZ15.  OTHER PERSONS PRESENT AT THE INTERVIEW: (CODE ALL THAT
                   APPLY.)
6530        ZZ15      CHILDREN UNDER 6                                        
6531        ZZ15.     CHILDREN 6 & OVER                                       
6532        ZZ15.     SPOUSE                                                  
6533        ZZ15.     OTHER RELATIVES                                         
6534        ZZ15.     OTHER ADULTS                                            
6535        ZZ15.     NO ONE                                                  

                   1.  Checked                              
                   5.  Not checked



6536        ZZ16.  DID R REFER TO DOCUMENTS TO ANSWER QUESTIONS?              

                   1.  FREQUENTLY
                   2.  SOMETIMES
                   4.  RARELY
                   5.  NEVER



            ZZ17.  WHICH DOCUMENTS DID R REFER TO? (CODE ALL THAT APPLY)
6537        ZZ17.     LOAN DOCUMENTS                                          
6538        ZZ17.     CHECKING; SAVINGS; INVESTMENTS                          
6539        ZZ17.     PENSION DOCUMENTS                                       
6540        ZZ17.     INCOME TAX RETURN                                       
7769        ZZ17.     OTHER
7770        ZZ17.     BILLS
7771        ZZ17.     PAY STUBS
7772        ZZ17.     OTHER RECORDS

                   1.  Checked                              
                   5.  Not checked
                  -1.  None
                   0.  Inap. (Did not refer to documents)


7504        ZZ18.  IN WHAT LANGUAGE WAS THE SURVEY CONDUCTED?
                   1.  English
                   2.  Spanish

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

MISC. RECODED VARIABLES

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

X. VEHICLES


 8346 place holder for imputed value of x2103
 8347 place holder for imputed value of x2110

 8348 place holder for imputed value of x2204
 8349 place holder for imputed value of x2304
 8350 place holder for imputed value of x2404


XIII. FINANCIAL ASSETS

 4016  n50.face val oth life in
 8174  intrm var - original value of 4006

 4019  n52.if other assets     
 8173 number of other assets (N52)


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