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1995 Survey of Consumer Finances
Here: Question Text, Variable Names, & Responses
Next: Interview Program
Previous: Introduction


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
  19. Sample Design Variables



IMPORTANT NOTE: not all variables listed below appear in the public use dataset -- see the Public Data Set Variable List for included variables.

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



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                            LIST OF VARIABLES

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
MISC. CONTROL FILE DATA AND WEIGHTS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
XX1        Internal case ID (4-digit) -- identical for
           all imputation replicates

           Area Prob, original sample:   5xxxxx
           Area Prob, added sample:      505xxx
           Area Prob, missed HU:         01xxxx
                                         02xxxx
                                         .
                                         .
                                         09xxxx
                                         10xxxx
                                         11xxxx
                                         12xxxx
                                         21xxxx
                                         22xxxx
           List, original cases:         00xxxx
           List, divorced spouse:        60xxxx
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X1         Internal ID/replicate number -- XX1*10 + imputation replicate
           number (1-5) 
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


YY1        Case ID for external users

           0.  Inap. (not a completed interview)


Y1         Equivalent for X1 for external users

           0.  Inap. (not a completed interview)


X30022     Census region

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


X30074     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)



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 1995 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.
           *********************************************
               INCLUDED IN A SEPARATE PUBLIC DATASET
           *********************************************


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-----------------------------------------------------------------------------
HOUSEHOLD LISTING
-----------------------------------------------------------------------------
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X8000      Original respondent and spouse/partner variables reversed.
           THE PERSON REFERRED TO AS THE "HEAD" IN THIS CODEBOOK IS
           EITHER THE MALE IN A MIXED-SEX COUPLE OR THE OLDER
           INDIVIDUAL IN A SAME-SEX COUPLE.  WHERE X8000=1, ALL
           VARIABLES IN THE DATASET THAT ORIGINALLY REFERRED TO
           "RESPONDENT" AND "SPOUSE/PARTNER" AND ALL CODES THAT
           CONTAIN THE SAME REFERENCES HAVE BEEN REVERSED.  THIS
           CHANGE IS MADE FOR CONVENIENCE IN PROCESSING THE DATA AND
           INDICATES NO JUDGMENT WHATSOEVER ABOUT THE ARRANGEMENTS OF
           INDIVIDUAL FAMILIES.  THE QUESTION TEXT AND ASSOCIATED
           CODES GIVEN HERE HAVE NOT BEEN ALTERED TO USE THE WORD
           "HEAD."  NO CHANGE IS MADE WHERE THE SPOUSE/PARTNER IS
           ABSENT FROM THE HOUSEHOLD AND IS NOT INCLUDED IN THE
           INTERVIEW (X100=5). 

            1. Reversed
            5. Not reversed


X100       Indicator for inclusion of income, debt, assets, etc. of an
           absent spouse/partner in the interview.  Technically, this
           indicator reflects whether the spouse/partner is a part of
           the primary economic unit.

            1.  Included in Iw
            5.  Not included in Iw
            0.  Inap. (Spouse present; legally married and partner
                present; no spouse/partner)


X101       Number of people in the household according to the HHL.

            Code total # of persons in HHL
            10.  10 or more people


X7001      Number of people in the primary economic unit.

            Code total # of persons
            10.  10 or more people


X8020(#1)  Before we start the interview, I need to list the people who  
X102(#2)   live here and obtain some basic information about each one.
X108(#3)   Let's start with you.
X114(#4)
X120(#5)   What is the next person's relationship to you? 
X126(#6)
X132(#7)    1.  RESPONDENT
X202(#8)    2.  Spouse of R
X208(#9)    3.  Partner of R
X214(#10)   4.  Child (incl. in-laws)
X220(#11)  13.  Child of partner (only if volunteered)
            5.  Grandchild
            6.  Parent (incl. in-laws)
            7.  Grandparent (incl. in-laws)
            8.  Aunt/uncle
            9.  Cousin
           10.  Niece/nephew
           11.  Sister/brother (incl. in-laws)
           12.  Great grandchild
           29.  Other relative
           31.  Roommate
           32.  Friend
           33.  Relative of Partner
           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)
           NOTE: position #2 contains only spouse/partner information;
           in all other cases the #2 position contains all zeroes.


X8021(#1)  IF POSSIBLE, CODE WITHOUT ASKING.  IF NECESSARY, ASK:
X103(#2)   (I am required to ask your sex./What is that person's sex?)
X109(#3)     
X115(#4)    1.  Male
X121(#5)    2.  Female
X127(#6)    0.  Inap. (No further persons)
X133(#7)
X203(#8)
X209(#9)
X215(#10)
X221(#11)


           What is your date of birth?
           What is (his/her) date of birth?

X5907(#1)  Code month
X6107(#2)
           0.  Inap. (/no spouse or partner)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X7003(#1)  Code day of month
X7382(#2)
           0.  Inap. (/no spouse or partner)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X5908(#1)  Code year (4 digits)
X6108(#2)
           0.  Inap. (/no spouse or partner)


X8022(#1)  FOR THE RESPONDENT, THIS VARIABLE CONTAINS THE DATE-OF-BIRTH
X104(#2)   AGE UNLESS HE/SHE REJECTS THAT AGE WHEN ASKED FOR CONFIRMATION
X110(#3)   AND PROVIDES ANOTHER AGE (SEE X14 BELOW).
X116(#4)
X122(#5)   How old is (he/she/that person)?
X128(#6)     
X134(#7)   Code AGE
X204(#8)   -1.  Less than one year
X210(#9)    0.  Inap. (No further persons)
X216(#10)
X222(#11)    
           **********************************************************
              FOR THE PUBLIC DATASET, X104 AND X8022 ARE TOP-CODED
              CODED AT 95
           **********************************************************
                           

X14        Respondent:  "Reconciled age"
X19        Spouse:  "Reconciled age"
           IN THE CAPI PROGRAM USED IN THE 1995 SURVEY, DESIGNATED Rs
           WERE FIRST ASKED THEIR DATE OF BIRTH (X5907/X7003/X5908 OR
           X6107/X7382/X6108 DEPENDING ON THE VALUE OF X8000).
           THE COMPUTER CALCULATED THEIR AGE AND THEN THE INTERVIEWER
           ASKED FOR CONFIRMATION (X7005/X7015).  AT THAT POINT, A
           RESPONDENT COULD AGREE TO THE COMPUTED AGE, CORRECT THEIR
           BIRTH DATE, OR PROVIDE A DIFFERENT AGE (X8022/X104).  FOR
           THE DESIGNATED R, THIS VARIABLE CONTAINS THE DOB AGE UNLESS
           A DIFFERENT AGE WAS REPORTED SUBSEQUENTLY.  FOR THE R'S
           SPOUSE/PARTNER, ONLY AGE WAS ASKED DURING THE HOUSEHOLD
           LISTING AND DATE OF BIRTH WAS ASKED LATER IN THE
           QUESTIONNIARE.  HOWEVER, THERE WAS NO CONFIRMATION/
           RECONCILIATION BUILT INTO THE PROGRAM FOR THE SPOUSE/PARTNER.
           THIS AGE VARIABLE WAS USED IN ALL CONVERSIONS OR
           CALCULATIONS INVOLVING AGES OF R/S.

           Code age
           0.  Inap. (No further persons)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 95
           *********************************************


X13        Respondent:  Age computed from date of birth
X18        Spouse:  Age computed from date of birth
           (BASED ON X5907/X7003/X5908 OR X6107/X7382/X6108 DEPENDING
           ON THE VALUE OF X8000)
                                                
           Code age
            0.  Inap. (No further persons)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X7005(#1)  So, you are (COMPUTED AGE) years old?
X7015(#2)  (ASKED ONLY OF DESIGNATED RESPONDENT)
 
            1.  YES
            3.  NO, FIX AGE
            5.  Missing value for year of birth
            9.  Not asked
            0.  Inap. (No spouse/partner)


X7006(#3)  Is (he/she/that person) 18 or older?
X7007(#4)
X7008(#5)   1.  YES
X7009(#6)   5.  NO
X7010(#7)   0.  Inap. (No further persons)
X7011(#8)
X7012(#9)
X7013(#10)
X7014(#11)


X8023(#1)  (Are you/Is [RELATIONSHIP] currently married or
X105(#2)   living with a partner, separated, divorced,
X111(#3)   widowed, or (have you/has [he/she]) never been married?
X117(#4)   (NOTE: if R lives with a partner who is financially
X123(#5)   interdependent, this variable is always coded '2' for the
X129(#6)   head and partner.  The legal marital status of each is
X135(#7)   given by X7372 and X7018 respectively.)
X205(#8)
X211(#9)    1.  (M) Married
X217(#10)   2.  (P) Living with a partner
X223(#11)   3.  (S) Separated
            4.  (D) Divorced
            5.  (W) Widowed
            6.  (NM) Never married
            0.  Inap. (Person not over 18; no further persons)
            NOTE: for the person in position #1, this variable
            contains the current living arrangement, which is not
            necessarily the information reported in the interview.
            For example, a respondent may have answered "married" to
            this question, but actually be living with a partner; in
            this case, the variable has been recoded coded "partner."


X7000(#1)  Does your (spouse/partner) live with you now?

            1.  YES
            5.  NO
            0.  Inap. (No spouse/partner)


X7002(#1)  Do you live with a partner?

            1.  YES
            5.  NO

           
X8024(#1)  Does (he/she) usually live here?
X106(#2)   (FILLED IN FOR RESPONDENT)
X112(#3)
X118(#4)    1.  YES (incl. R and Spouse/Partner)
X124(#5)    5.  NO
X130(#6)    0.  Inap.  (Person not over 18; no further persons)
X136(#7)
X206(#8)
X212(#9)
X218(#10)
X224(#11)
           

X8098(#1)  Do you and your (husband/wife/partner) have shared
X107(#2)   finances?
X113(#3)   (ASKED ONLY IF SPOUSE/PARTNER DOES NOT USUALLY LIVE
X119(#4)   THERE, OTHERWISE ASSUMED TO BE SHARED FINANCES.)
X125(#5)
X131(#6)   Does (RELATIONSHIP) depend on you (and your
X137(#7)   [husband/wife/partner]) for most of (his/her)
X207(#8)   support or is (he/she) financially independent for
X213(#9)   the most part?
X219(#10)  (THIS QUESTION IS KEY IN DEFINING THE PRIMARY
X225(#11)  ECONOMIC UNIT--SEE INTRODUCTION.  A SPOUSE/PARTNER
           WHO LIVES THERE AT THE TIME OF THE INTERVIEW OR WHO
           USUALLY LIVES THERE IS ASSUMED TO BE FINANCIALL
           INTERRELATED WITH THE R.  SIMILARLY, CHILDREN UNDER
           THE AGE OF 18 ARE ALSO ASSUMED TO BE FIANCIALLY
           DEPENDENT ON THE R, EVEN THOUGH IT IS POSSIBLE THAT
           SOME CHILDRENT OF PEOPLE OUTSIDE THE PEU MAY BE
           INCLUDED BY THIS RULE.)

            1.  FINANCIALLY DEPENDENT (TRIVIALLY FOR R)
            5.  FINANCIALLY INDEPENDENT                         
            0.  Inap. (No further persons)


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

           I will be asking you about various kinds of household financial
           matters during this interview.  (IF MORE THAN ONE PERSON
           LISTED BELOW HAVE RESPONDENT WRITE THE NAMES ON THE BOTTOM
           OF THE INSTITUTION CARD AND READ:  As we go through the
           interview, this card will serve as a reminder of the people
           we are referring to when we say your "family living
           here". (READ RELATIONSHIP OF MEMBERS LISTED BELOW) 


X301       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


X302       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


X7100      (SHOW CARD 1) When making major decisions about credit or
           borrowing, some people shop around for the very best terms
           while others don't.  (What number would you be on the
           scale?/What  number would your family be on the scale?)

            1.  ALMOST NO SHOPPING
            2.
            3.  MODERATE SHOPPING
            4.
            5.  A GREAT DEAL OF SHOPPING

            NOTE: CARD 1 contains the following information:
            The numbers 1 through 5 in a horizonal row bounded by dark
            lines.  Below 1 is printed "Almost no shopping"; below 3
            is printed "Moderate shopping"; and below 5 is printed "A
            great deal of shopping."  Nothing is printed below 2 and 4.


X7101      What sort of information do you and your (spouse/partner)
X7102      use to make decisions about credit or borrowing?  Do you
X7103      call around for terms?  Do you read newspapers, magazines,
X7104      or material that you get in the mail?  Do you get advice
X7105      from a friend, relative, lawyer, accountant, or financial
X7106      planner?  Or do you do something else?
X7107
X7108      What sort of information do you use to make decisions about
X7109      credit  or borrowing?  Do you call around for terms?   Do
X7110      you read newspapers,  magazines, or material that you get
           in the mail?  Do you get advice from a friend, relative,
           lawyer, accountant, or financial planner?  Or do you do
           something else?
           (CODE ALL THAT APPLY, in order reported)

            1.  Call around
            2.  Material in the mail
            3.  Other advertisements
            4.  Accountant
            5.  Magazines/newspapers
            6.  Friend/relative
            7.  Lawyer
            8.  Financial planner
            9.  Never borrow or haven't borrowed lately
           11.  Information from store/dealer
           12.  Bankers; other lenders
           13.  Television; cable; radio
           14.  Computerized data services; other data services
           15.  Don't shop around; always use same institution
           16.  Past experience
           17.  Material from work/business contacts
           18.  Self; No information other than what R/family knows
           19.  Other personal research
           21.  Real estate broker; builder
           22.  Other institutional source (e.g., college, social service
                agency, etc.)
           -7.  Other types of information


X7111      (SHOW CARD 1) When making major saving and investment
           decisions, some people shop around for the very best terms
           while others don't.

           What number would you be on the scale?

           What number would your family be on the scale?

            1.  ALMOST NO SHOPPING
            2.
            3.  MODERATE SHOPPING
            4.
            5.  A GREAT DEAL OF SHOPPING

            NOTE: See X7100 for a description of CARD 1.


X7112      How do you and your (spouse/partner) make decisions about
X7113      saving and  investments?  Do you call around for rates?  Do
X7114      you read newspapers, magazines, or material you get in the
X7115      mail?  Do you get advice from a friend, relative, lawyer,
X7116      accountant, or financial planner?  Or do you do somethingelse?/
X7117
X7118      How do you make decisions about saving and investments?  Do
X7119      you call around for rates?  Do you read newspapers,
X7120      magazines, or material you get in the mail?  Do you get
X7121      advice from a friend, relative, lawyer, accountant, or
           financial planner?  Or do you do something else?

           (CODE ALL THAT APPLY, in order reported)

            1.  CALL AROUND
            2.  Friend/relative
            3.  Accountant
            4.  Lawyer
            5.  Financial planner/BROKER
            6.  Magazines/newspapers
            8.  Material in the mail
           10.  DO NOT SAVE/INVEST
           11.  Other advertisements
           12.  Bankers; other institutions
           13.  Television; cable; radio
           14.  Computerized data services; other data services
           15.  Don't shop around, always use same institution
           16.  Past experience
           17.  Material from work/business contacts
           18.  Self; No information other than what R/family knows
           19.  Investment club
           20.  Investment seminars
           21.  Other personal research
           23.  Shop around
           -7.  Other types of information


X305       The next few questions are about the financial
           institutions that you do business with. 

           With how many financial institutions do you 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.

           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.

X8300      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 CAPI program returned to the institution
           questions for the added institutions.  In some cases,
           interviewers failed to enter the new institution properly,
           so the followup questions were not generated by the CAPI
           program.  X8300 takes the originally reported value of X305
           as its base and adds additional institutions whenever a
           commercial bank, savings and loan, credit union, 
           brokerage, money market fund, finance company, or mortgage
           company was reported without an initial link to the 
           institution data.  Where there were more than the 6
           institutions on which detailed information was collected,
           the total number of institutions was augmented and stored
           in X8300.  In cases where any of the first six institutions
           have been inferred from an interviewer error, the detailed
           information (location and how R does business) has been
           imputed.

           Code NUMBER
           -1.  NONE


           Institutions were enumerated by name, and the name was used
           as a text fill later in the interview when, e.g., the R was
           asked to identify the institution where the main checking
           account was held.  To protect the privacy of respondents,
           this variable was not retained in the dataset.

           (What is the name of this financial institution?/
           What is the name of the financial institution where you do
           the most business?/What is the name of the financial
           institution where you and your family living here do the
           most business?)

           [What is the name of the financial institution where you do
           the  (second/third/fourth/fifth/sixth) most business?/
           What is the name of the financial institution where you and
           your family living here do the (second/third/fourth/fifth/sixth)
           most business?

           Once the program had generated questions about the number
           of institutions specified by X305, the program asked:

           Do you have any other financial institutions which we have not
           listed yet?
           (Have you included all your accounts?/Have you included the
           accounts for all the people in your household?)

           If the R recalled an additional account, the program was
           set up to augment the list of institutions until the
           respondent said there were no more.

           If X305 contained a value that indicated that there were
           accounts, but the number was a missing value, the R was
           asked:


X308(#1)   About (name of institution), what kind of institution is
X312(#2)   this?  (Is it a commercial bank, a savings and loan or
X316(#3)   savings bank, a credit union, a finance or loan company, a
X320(#4)   brokerage, or what?)
X324(#5)
X328(#6)    Now, I need a little more information on the institutions
            we've added to the card since the start of the interview.
            (If R added institutions during the interview, the CAPI
            program generated the detailed questions on those
            institutions after the section on financial assets was
            completed.)

           MASTER INSTITUTION LIST

           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. Mortage 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 (except code 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, Master Card (except American Express code 51)
           39. Union
           40. Church
           41. American Association of Retired Persons (AARP)
           42. Courts
           50. Discover card (Sears) (V415-418 only) ("Sears" only use code 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
           80.  Direct student loan NEC (include references to Stafford,
                Perkins, Ford, etc. student loans when a more specific
                institution reference is not available).
           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 (not
               elsewhere classified)
           95. Non-financial institution (except codes 40-42 and 61)
           -1. Combinations of TYPES of financial institutions
           -7. Other
            0.  Inap. (no institutions: X8300=-1/fewer than 2
                institutions: X8300<2/fewer than 3 institutions: X8300<3/
                fewer than 4 institutions: X8300<4/fewer than 5
                institutions: X8300<5/fewer than 6 instiutions: X8300<6)

           NOTE: CARD 2 was available to the interviewer.  This card
           contains the following in a vertical column: "Commercial
           Bank," "Savings and Loan or Savings Bank," "Credit Union,"
           "Finance or Loan Company," "Brokerage," and "Other."



Institution 1: X6600 X6601 X6602 X6603 X6604 X6605 X6606 X6607
Institution 2: X6608 X6609 X6610 X6611 X6612 X6613 X6614 X6615
Institution 3: X6616 X6617 X6618 X6619 X6620 X6621 X6622 X6623
Institution 4: X6624 X6625 X6626 X6627 X6628 X6629 X6630 X6631
Institution 5: X6632 X6633 X6634 X6635 X6636 X6637 X6638 X6639
Institution 6: X6640 X6641 X6642 X6643 X6644 X6645 X6646 X6647

           How do you mainly do business with this institution (-by
           Cash Machine, in person, by mail, by phone, by computer, or
           some other way)?

           How does your family mainly do business with this
           institution (-by Cash Machine, in person, by mail, by
           phone, by computer, or some other way)?

           (CODE ALL THAT APPLY -- CODE MAIN METHOD FIRST)

            1.  By cash machine, ATM
            2.  In person (R or R's messenger)
            3.  By mail
            4.  By phone
            5.  Payroll deduction; direct deposit
            6.  Don't do regular business
            9.  Electronic transfer
           10.  Check, NFS
           11.  R's agent or manager
           12.  BY COMPUTER
           -7.  OTHER
            0.  Inap. (no institutions: X8300=-1/fewer than 2
                institutions: X8300<2/fewer than 3 institutions: X8300<3/
                fewer than 4 institutions: X8300<4/fewer than 5
                institutions: X8300<5/fewer than 6 instiutions: X8300<6)


X310(#1)   Roughly, how many miles is the office or cash machine of
X314(#2)   this institution from the home or workplace of the person
X318(#3)   who uses it most often?  IF R ASKS:  WE WANT THE CLOSER OF
X322(#4)   THE DISTANCE FROM HOME OR WORKPLACE.
X326(#5)
X330(#6)   Code number of miles
            -1.  LESS THAN A MILE
           992.  FOREIGN LOCATION
           993.  LOCATED AT WORK
            51.  OVER 50 MILES
            -7.  LOCAL PHONE OR POST BOX
             0.  Inap. (no institutions: X8300=-1/fewer than 2
                institutions: X8300<2/fewer than 3 institutions: X8300<3/
                fewer than 4 institutions: X8300<4/fewer than 5
                institutions: X8300<5/fewer than 6 instiutions: X8300<6)



X306       Do you have a card that allows you to deposit or withdraw
           money from this institution using a cash machine?

           Do you have a card that allows you to deposit or withdraw
           money from these institutions using a cash machine?

           Do you or your family living here have a card that allows
           you to deposit or withdraw money from this institution
           using a cash machine?

           Do you or your family living here have a card that allows
           you to deposit or withdraw money from these institutions
           using a cash machine?

            1.  YES
            5.  NO
            0.  Inap. (no institutions: X8300=-1)


X7582      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.  

           Do you use any debit cards?

           Does your family use any debit cards?

           INTERVIEWER: WE CARE ABOUT USE, NOT WHETHER R HAS A DEBIT CARD

            1.  YES
            5.  NO


X7122      Some people have their paychecks or Social Security
           benefits or other money automatically paid directly into
           their accounts.
           (Do you have any money directly deposited into your account?/
           Do you have any money directly deposited into one of your
           accounts?/
           Do you or someone in your family living here have any money
           directly deposited into your family's account?/
           Do you or someone in your family living here have any money
           directly deposited into one of your family's accounts?)
           (IF R ASKS, DO NOT INCLUDE INTEREST PAID ON THE ACCOUNT)

            1.  YES
            5.  NO
            0.  Inap. (no institiutions: X8300=-1)


           What kinds of deposits are these? (CODE ALL THAT APPLY)

X7123      PAYCHECK/OTHER INCOME FROM WORK (e.g., consulting fees)
X7124      SOCIAL SECURITY/RAILROAD RETIREMENT

            1.  Checked
            5.  Not checked
            0.  Inap. (no institutions, no automatic deposit: X7122=(0, 5))

X7125      OTHER

            4.  Disability payments; VA disability benefits
            6.  Supplemental Security Income (SSI) and other types of welfare
            7.  Automatic transfers from another account
            8.  Automatic payments on loans made by R (i.e., loans
                from shich R receives income)
            9.  Royalties and other investment income (Not Elsewhere Classified)
           10.  Alimony/support
           12.  Pension or other retirement income
           13.  Insurance reimbursement
           -7.  Combination of Types
            5.  Not checked
            0.  Inap. (no institutions, no automatic deposit: X7122=(0, 5))


X7126      Some people have their utility bills, mortgage or rent
           payments, or other payments automatically paid directly
           from their accounts without having to write a check.  
           (Do you have any payments that you make in this way?/
           Do you and your family living here have any payments that
           you make in this way?)

            1.  YES
            5.  NO
            0.  Inap. (no accounts: X8300=-1)


           What sorts of payments are these? (CODE ALL THAT APPLY)
X7127      UTILITY BILLS
X7128      MORTGAGE/RENT

            1.  Checked
            5.  Not checked
            0.  Inap. (no accounts, no pre-auth. debits: X7126=(0, 5))

X7129      OTHER

            4.  Condominium/Coop fees
            6.  Lease payments
            7.  Insurance
            8.  Automatic transfers to other accounts/investments
            9.  Cable; newspapers; magazines
           10.  Gifts to charities/non-profits
           11.  Tuition
           12.  Health club; YMCA/YWCA/YMHA/YWHA
           13.  Other payments of irregular bills (e.g., credit card bills)
           14.  Alimony/support; other transfers to family members
           16.  Car loans; other non-mortgage loan payments (except
                credit cards)
           17.  Security system; garbage fees; other regular home
                maintenance fees
           18.  Safety deposit box
           19.  Internet provider payment
           -7.  Other regular payments; combination of types
            5.  Not checked
            0.  Inap. (no accounts, no pre-auth. debits: X7126=(0, 5))


X7130      A 'smart card' is a type of payment card containing a
           computer chip which is set to hold a sum of money.  As the
           card is used, purchases are subtracted from that sum.
           (Do you have any such cards that you can use for a variety
           of purchases?/
           Do you or anyone in your family living here have any such
           cards that you can use for a variety of purchases?)

            1.  YES
            5.  NO


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-----------------------------------------------------------------------------
CREDIT ATTITUDES AND CREDIT CARDS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

X401       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


           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...    

X402       first, to cover the expenses of a vacation trip?
X403       next, to cover living expenses when income is cut?
X404       next, to finance the purchase of a fur coat or jewelry?
X405       next, to finance the purchase of a car?
X406       finally, to finance educational expenses?

            1.  YES
            5.  NO



X7131      [Have you and your (spouse/partner) applied for any type of
           credit or loan in the last five years?/
           Have you applied for any type of credit or loan in the last
           five years?]

            1.  YES
            5.  NO


X407       [In the past five years, has a particular lender or creditor
           turned down any request you or your (spouse/partner) made
           for credit, or not given you as much credit as you applied for?/
           In the past five years, has a particular lender or creditor
           turned down any request you made for credit, or not given
           you as much credit as you applied for?]
           (PROBE: Turned down, or not as much credit?)
           IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT

            1.  Yes, turned down
            3.  Yes, not as much credit
            5.  No
            0.  Inap. (no credit application in previous 5 years: X7131=5)


X408       [Were you later able to obtain the full amount you or your
           (spouse/partner) requested by reapplying to the same
           institution or by applying elsewhere?/
           Were you later able to obtain the full amount you requested
           by reapplying to the same institution or by applying elsewhere?]

            1.  YES
            3.  Did Not Reapply
            5.  NO
            0.  Inap. (no credit application in previous 5 years: X7131=5;
                not turned down: X407=5)


X7585      [On the most recent occasion, what reasons were you or your
           (spouse/partner) (given for being turned down for
           credit?/given for being unable to get as much credit as you
           applied for?)/
           On the most recent occasion, what reasons were you given for
           (being turned down for credit?/being unable to get as much
           credit as you applied for?)]

           Personal Characteristics of Borrower
           50.  Family background/life history; who your parents (relatives) are
           51.  Family size; number of children or dependents
           52.  Marital status
           53.  Sex
           54.  Combination of marital status and sex, "single men",
                "married women"
           55.  Age
           56.  Race
           57.  Personal character/reputation, whether borrower is
                stable, honest; known by other people trusted by institution
           58.  Health
           59.  Other personal characteristics of borrower
          
           Credit Characteristics of Borrower
           61.  Need to have a checking/savings account (at institution)
           62.  Haven't established a credit history
           63.  Credit rating service/credit bureau reports
           64.  Credit records/history from other institution; other
                loans or charge account; previous payment records; bankruptcy
           65.  Lack of/not enough assets/collateral/property to secure
                the loan (except home ownership, code 74); size of down
                payment; financial status 
           66.  Amount of debt; size of other payments; ability to repay loan
           69.  Other credit characteristics of borrower
          
           Financial Characteristics of Borrower
           70.  Bad Credit, NEC
           71.  Time on current job
           72.  Job; type of work; steady/secure employment; good job
           73.  Lack of job; not working; on welfare
           74.  Lack of homeownership
           75.  Time at current address; time in community or state
           76.  Amount of income; "income"
           77.  Source of income; retired
           78.  Where you live; what type of neighborhood/area of city
                you live in; if you live in the state/county
           79.  Other financial characteristics of borrower
          
           Miscellaneous
           81.  Lack of familiarity/experience; don't have an account
                there; I'm not a credit union member
           82.  Previous bad experience (N.E.C); had difficulty/been
                turned down NA why
           83.  Institution is more "strict" in lending requirements,
                NA in what areas
           87.  "Discrimination"; references to red-lining, NA basis
           88.  Inconvenient/difficult, not codeable above
           89.  Other miscellaneous
           90.  Didn't approve of purpose for which money was to be borrowed
           91.  Loan was too large for source to handle; source doesn't
                have much money to lend; money reserves of source are low
           92.  Interest
           93.  Insufficient collateral/equity
           -1.  None; no reason was given; "bank policy
           -7.  Other -- N.E.C
            0.  Inap. (no credit application in previous 5 years: X7131=5;
                not turned down: X407=5)


X7584      What type of credit did you apply for?

            1.  Mortgage
            2.  Car loan
            3.  Other installment loan
            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
            0.  Inap. (no credit application in previous 5 years: X7131=5;
                not turned down: X407=5)



X409       [Was there any time in the past five years that you or your
           (spouse/partner) thought of applying for credit at a
           particular place, but changed your mind because you thought
           you might be turned down?/
           Was there any time in the past five years that you thought
           of applying for credit at a particular place, but changed
           your mind because you thought you might be turned down?0

            1.  YES
            5.  NO


X7583      [On the most recent occasion, why did you or your
           (spouse/partner) think you might be turned down?/
           On the most recent occasion, why did you think you might be
           turned down?]

           Personal Characteristics of Borrower
           50.  Family background/life history; who your parents (relatives) are
           51.  Family size; number of children or dependents
           52.  Marital status
           53.  Sex
           54.  Combination of marital status and sex, "single men",
               "married women"
           55.  Age
           56.  Race
           57.  Personal character/reputation, whether borrower is
                stable, honest; known by other people trusted by institution
           58.  Health
           59.  Other personal characteristics of borrower

           Credit Characteristics of Borrower
           61.  Need to have a checking/savings account (at institution)
           62.  Haven't established a credit history
           63.  Credit rating service/credit bureau reports
           64.  Credit records/history reom other institiuon; other
                loans or charge account; previous payment records;
                bankruptcy
           65.  Lack of/not enough assets/collateral/property to secure
                the loan (except home ownership, code 74); size of down
                payment; financial status
           66.  Amount of debt; size of other payments; ability to repay loan
           69.  Other credit characteristics of borrower
 
           Financial Characteristics of Borrower
           70.  Bad Credit, NEC
           71.  Time on current job
           72.  Job; type of work; steady/secure employment; good job
           73.  Lack of job; not working; on welfare
           74.  Lack of homeownership
           75.  Time at current address; time in community or state
           76.  Amount of income; "income"
           77.  Source of income; retired
           78.  Where you live; what type of neighborhood/area of city
                you live in; if you live in the state/county
           79.  Other financial characteristics of borrower

           Miscellaneous
           81.  Lack of familiarity/experience; don't have an account
                there; I'm not a credit union member
           82.  Previous bad experience (N.E.C); had difficulty/been
                turned down NA why
           83.  Instutution is more "strict" in lending requirements,
                NA in what areas
           87.  "Discrimination"; references to red-lining, NA basis
           88.  Inconvenient/difficult, not codeable above
           89.  Other miscellaneous
           90.  Didn't approve of purpose for which money was to be borrowed
           91.  Loan was too large for source to handle; source doesn't
                have much money to lend; money reserves of source are low
           92.  Interest
           93.  Insufficient collateral/equity
           -1.  None; no reason was given; "bank policy"
           -7.  Other -- N.E.C
            0.  Inap. (did not expect to be turned down: X7583=5)


X410       Now I have some questions about credit cards and charge cards.
           (Do you have any credit cards or charge 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


X7973(#1)  Now I would like to ask you a few questions about your
           credit cards.  (SHOW CARD 3)
           (Do you have any type of/
           Do you and your family living here have any type of)
           Visa, Mastercard, Discover, or Optima cards?
X7974(#2)  (Do you have any type of/
           Do you and your family living here have any type of)
           Sears, K-Mart, furniture, clothing and other store cards?
X7975(#3)  (Do you have any type of/
           Do you and your family living here have any type of)
           Gasoline Cards such as Shell, Exxon, BP, Texaco, or Amoco?
X7976(#4)  (Do you have any type of/
           Do you and your family living here have any type of)
           American Express, Diners Club, or Carte Blanche cards?
X7977(#5)  (Do you have any type of/
           Do you and your family living here have any type of)
           Airline, Car Rental, or other cards?

            1.  YES
            5.  NO 
            0.  Inap. (no credit cards: X410=5)

           NOTE: SHOW CARD 3 contains the following in a vertical
           column: "Visa, MasterCard, Discover, Optima," "Sears,
           K-Mart, furniture, clothing and other store cards,"
           "Gasoline cards such as Shell, Exxon, BP, TExaco, and
           Amoco," "American Express, Diners, Carte Blanche," and
           "Airline, Car Rental, or other credit cards."


X411(#1)   How many?
X419(#2)   (Please do not count duplicate cards for the same account or
X422(#3)   any business or company accounts.)
X425(#4)
X428(#5)   Code number
           -1.  None
            0.  Inap. (no credit cards: X410=5; no cards of type)
           *********************************************************
              FOR THE PUBLIC DATASET, THE NUMBER OF #1/2 CARDS IS
              TOP-CODED AT 10, #3/4/5 CARDS ARE TOP-CODED AT 5
           *********************************************************


X412(#1)   (On your last bills, roughly how much were the new charges
X420(#2)   made to these accounts?/
X423(#3)   On your last bill, roughly how much were the new charges
X426(#4)   made to this account?)
X429(#5)
           Code number
           -1.  None
            0.  Inap. (no credit cards: X410=5; no cards of type)


X413(#1)   (After the last payments were made on these accounts,
X421(#2)   roughly what was the balance still owed on these accounts?/
X424(#3)   After the last payment was made on this account, roughly
X427(#4)   what was the balance still owed on this account?)
X430(#5)
           Code number
           -1.  None
            0.  Inap. (no credit cards: X410=5; no cards of type)


X414(#1)   (What is the maximum amount you could borrow on all of these
           accounts; that is, what is your total credit limit?/
           What is the maximum amount you could borrow on this account;
           that is, what is your total credit limit?)

           Code number
           -1.  None
            0.  Inap. (no credit cards: X410=5; no cards of type)


X7132(#1)  What interest rate do you pay on the card where you have
           the largest balance?

           What is the interest rate on the card you got most recently?

           What interest rate do you pay on this card?

           INTERVIEWER: WE WANT TO KNOW THE RATE THAT R PAYS ON NEW
           BALANCES

           Code percent * 100
            0.  Inap. (no credit cards: X410=5; no cards of type)


(#1) only: X415 X416 X417 X418 X7500 X6648 X6649 X6720

           [Please look at the Institutions Card.  Are these credit cards
           with any of the institutions on the Institutions Card, or from
           someplace else?/
           Please look at the Institutions Card.  Is this credit card
           with any institution on the Institutions Card, or from
           someplace else?]
           (CODE ALL THAT APPLY.) 
           [IF INSTITUTIONS CARD: Which institution?]  
           [IF "SOMEPLACE ELSE": What type of institution?]

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no credit cards: X410=5; no cards of type)

(#1) only: X9082 X9151 X9152 X9153 X9202 X9216 X9221 X9222
           Recode: type of insitution

           See MASTER INSTITIUTION LIST for codes (See X308)
            0.  Inap. (no credit cards: X410=5; no cards of type)


X432       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.  Always or almost always
            3.  Sometimes
            5.  Hardly ever
            0.  Inap. (no credit cards: X410=5; no #1 or #2 cards)


X7577      (Other than the store accounts where you have credit cards,
           do you have any charge or revolving charge accounts at
           stores where you owed money after your last payment?/
           Other than the store accounts where you have credit cards,
           do you or your family living here have any charge or
           revolving charge accounts at stores where you owed money
           after your last payment?/
           Do you have any charge or revolving charge accounts at
           stores where you owed money after your last payment?/
           Do you or your family living here have any charge or
           revolving charge accounts at stores where you owed money
           after your last payment?)

            1.  YES
            5.  NO


X7576      (How many such accounts do you have where you owe money?/
           How many such accounts do you or your family living here
           have where you owe money?)

           Code number
            0.  Inap. (no accounts: X7577=5)


X7575      (After the last payments were made on these accounts, what
           was the balance still owed on all these accounts?/
           After the last payment was made on this account, what was
           the balance still owed on this account?)

           Code number
            0.  Inap. (no accounts: X7577=5)



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-----------------------------------------------------------------------------
PRINCIPAL RESIDENCE
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X501       INTERVIEWER CHECKPOINT: WHERE DOES R LIVE?

            4.  R LIVES ON A RANCH
            5.  R LIVES ON A FARM
            2.  R LIVES IN A MOBILE HOME/RV
            3.  ALL OTHER TYPES OF HOUSING

X7136      (SHOW CARD 4)  We are interested in your view of the chance
           that you will be staying at your current address for the
           next two years.  Using any number from  zero to 100, where
           zero equals no chance and 100 equals absolutely certain,
           what do you think the chances are that you will be living
           at your current address two years from now?
           INTERVIEWER: ROUND TO CLOSEST NUMBER DISPLAYED

            -1. No chance (recoded from zero)
            10.
            20.
            30.
            40.
            50. 50-50 chance 
            60.
            70.
            80.
            90.
           100. Absolutely certain

           NOTE: CARD 4 contains the following information:
           The numbers 0, 10, 20, ..., 100 in a horizonal row bounded
           by dark lines.  Below 0 is printed "Absolutely no chance";
           in the space below 20 and 30 is printed "Possible but not
           likely"; below 50 is printed "50-50 chance"; in the space
           below 70 and 80 is printed "Likely but not certain"; and
           below 100 is printed "Absolutely certain."


-----------------------------------------------------------------------------
R LIVES ON A FARM
-----------------------------------------------------------------------------
X502       Now I have some questions about this property.  
           About how many acres is this (farm/ranch), including any
           acres that are rented or rented out to others?

           Code acres
            0.  Inap. (R does not live on farm/rance: X501^=4)
           ***********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 1000
           ***********************************************


X503       (Do you operate a farming or ranching business on this
           property?/
           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. (R does not live on farm/rance: X501^=4)



X504       (Do you rent out any part of this property to others?/
           Do you or anyone in your family living here rent out any
           part of this property to others?)

            1.  YES
            5.  NO
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R operates farm/ranch as a business: X503=1))


X505       How much rent do you collect?

           Code amount
           -1.  None
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R operates farm/ranch as a business: X503=1); R does not
                rent out part of property: X504=5)

X506       And how often is that amount collected?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month 
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           -1.  No rent collected
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R operates farm/ranch as a business: X503=1; R does not
                rent out part of property: X504=5)


           What part of this property is used for (farm/ranch)ing?

X507       Code percent * 100
             -1.  Very little
           9995.  Almost all
              0.  Inap. (R does not live on farm/rance: X501^=4;
                  R does not operate farm/ranch as a business: X503^=1)

X7574      Code number of acres
            -1.  Very little
             0.  Inap. (R does not live on farm/rance: X501^=4;
                 R does not operate farm/ranch as a business: X503^=1)
           ***********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 1000
           ***********************************************


X508       What is the legal ownership status of this (farm/ranch)?
           [Do you own this (farm/ranch), do you own part of it, do
           you rent it, is it all owned by a business, or what?/
           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 only part
            5.  Sharecropper
            3.  Rents/Leases all
            4.  Owned by a business
           -7.  Other


R OWNS ALL

X509       [Does your (farm/ranch)ing business pay any rent for the
           use of the property?/
           Does your family's (farm/ranch)ing business pay any rent
           for the use of the property?]

            1.  YES
            5.  NO
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own all of farm/ranch: X508^=1)
           

X510       (How much rent do you collect?/
           How much rent do you or your family living here collect?)

           Code amount
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own all of farm/ranch: X508^=1; business
                does not pay rent: X509^=1))

X511       And how often is that amount collected?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own all of farm/ranch: X508^=1; business
                does not pay rent: X509^=1))


X513       Could you tell me the current value of all the land and
           buildings - that is, what would it bring if it were sold
           today?  Do not include any farm animals, implements or crops.

           Code amount
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own all of farm/ranch: X508^=1)


OWNED BY A BUSINESS

X514       (Do you pay the business any rent for this property?/
           Do you or your family living here pay the business any rent
           for this property?)

            1.  YES
            5.  NO
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                farm/ranch not owned by a business: X508^=4)


X515       In what month and year did you move into this (farm/ranch)?

           Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                farm/ranch not owned by a business: X508^=4)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X516       Code year (4 digits)
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                farm/ranch not owned by a business: X508^=4)


R OWNS PART

X517       [Does the (farm/ranch)ing business pay you any rent for
           the use of the property?/
           Does the (farm/ranch)ing business pay you or your family
           living here any rent for the use of the property?]

            1.  YES
            5.  NO
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own only part of farm/ranch: X508^=2)


X518       (How much rent do you collect?/
           How much rent do you or your family living here collect?)

           Code amount
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own only part of farm/ranch: X508^=2;
                business does not pay rent to R: X517^=1)

X519       And how often is that amount collected?

           Code frequency
             2.  Week
             3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
            11.  Twice per year
            12.  Bimonthly
             0.  Inap. (R does not live on farm/rance: X501^=4;
                 R does not operate farm/ranch as a business: X503^=1;
                 R does not own only part of farm/ranch: X508^=2;
                 business does not pay rent to R: X517^=1)


X520       (Do you pay any rent for this property?/
           Do you or anyone in your family living here pay any rent
           for this property?)

            1.  YES
            5.  NO
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own only part of farm/ranch: X508^=2)


X521       (How much rent do you pay?/
           How much rent do you or your family living here pay?)

           Code amount
            -1.  None
             0.  Inap. (R does not live on farm/rance: X501^=4;
                 R does not operate farm/ranch as a business: X503^=1;
                 R does not own only part of farm/ranch: X508^=2;
                 R does not pay rent to business: X520^=1)

X522       And how often is that amount paid?

           Code frequency
             2.  Week
             3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
            11.  Twice per year
            12.  Bimonthly
            -1.  No rent
             0.  Inap. (R does not live on farm/rance: X501^=4;
                 R does not operate farm/ranch as a business: X503^=1;
                 R does not own only part of farm/ranch: X508^=2;
                 R does not pay rent to business: X520^=1)


           (I will ask you more about the business operation later.
           Now I'd like to ask about the part of the property that
           you personally own.  About what percent of the total
           property is that?/
           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?)

X523       Code percent * 100
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own only part of farm/ranch: X508^=2)

X7573      Code acres
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own only part of farm/ranch: X508^=2)
           ***********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 1000
           ***********************************************


X526       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 amount
            0.  Inap. (R does not live on farm/rance: X501^=4;
                R does not operate farm/ranch as a business: X503^=1;
                R does not own only part of farm/ranch: X508^=2)


-----------------------------------------------------------------------------
R LIVES IN MOBILE HOME
-----------------------------------------------------------------------------
X601       (Now I have some questions about your home.  Do you 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?/
           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 own nor rent


RENTS HOME, OWNS SITE

X602       About how much rent do you pay on this home?

           Code number
            -1.  None
             0.  Inap. (R does not live in MH: X501^=2; other MH
                 ownership: X601^=2)

X603       INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is it paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           -7.  Other
            0.  Inap. (R does not live in MH: X501^=2; other MH
                 ownership: X601^=2)


X604       Could you tell me the current value of the site?  I mean,
           about what would it bring if it were sold today?

           Code number
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=2)


           In what month and year did you purchase the site?
           (INTERVIEWER:  IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)

X605       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=2)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X606       Code year (4 digits)
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=2)


X608       CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=2)

X607       How much did this site cost when you originally acquired it? 
           (INTERVIEWER:  IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.)

           Code amount
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=2)


NEITHER OWNS NOR RENTS MH

X609       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. (R does not live in MH: X501^=2; other MH
                ownership: X601^=-7)


           In what month and year did you move into this mobile home?

X610       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=-7)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X611       Code year (4 digits)
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=-7)


OWNS HOME, RENTS SITE

X612       About how much rent do you pay on this site?

           Code amount
           -1.  None
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=3)

X613       INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is it paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           -7.  Other
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=3)


X614       Could you tell me the current value of this mobile home?  
           I mean, about what would it bring if it were sold today?

           Code amount
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=3)

           In what month and year did you purchase this mobile home? 

X615       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=3)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X616       Code year (4 digits)
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=3)


X618       CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=3)


X617       How much did this mobile home cost when you originally
           acquired it?
           INTERVIEWER:  IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

           Code amount
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=3)


RENTS HOME AND SITE

X619       About how much rent do you pay on this home and site?

           Code amount
           -1.  None
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=4)

X620       INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is it paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           -7.  Other
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=4)


           In what month and year did you move into this mobile home?

X621       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=4)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X622       Code year (4 digits)
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=4)


OWNS HOME AND SITE

X623       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 amount
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1)


X624       Were the site and mobile home purchased separately?

            1.  YES
            5.  NO
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1)


           In what month and year did you purchase this mobile home? 

X625       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchased
                separately: X624^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X626       Code year (4 digits)
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchased
                separately: X624^=1)

X628       CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchased
                separately: X624^=1)


X627       How much did the mobile home cost when you originally
           acquired it?
           INTERVIEWER:  IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

           Code amount
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchased
                separately: X624^=1)


           In what month and year did you purchase this site? 

X629       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchased
                separately: X624^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X630       Code year (4 digits)
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchased
                separately: X624^=1)

X632       CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchased
                separately: X624^=1)


X631       How much did this site cost when you originally acquired it? 
           INTERVIEWER:  IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

           Code amount
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site not purchases
                separately: X624^=1)


           In what month and year did you purchase this mobile home and site? 

X633       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site purchased
                separately: X624=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X634       Code year (4 digits)
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site purchased
                separately: X624=1)

X636       CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site purchased
                separately: X624=1)


X635       How much did the mobile home and site cost when you
           originally acquired it? 
           INTERVIEWER:  IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

           Code amount
            0.  Inap. (R does not live in MH: X501^=2; other MH
                ownership: X601^=1; home and site purchased
                separately: X624=1)


-----------------------------------------------------------------------------
R LIVES IN HU OTHER THAN FARM/RANCH OR MOBILE HOME
-----------------------------------------------------------------------------
X701       Now I have some questions about your home.

           Do you own this ranch, do you pay rent, do you own it as a
           part of a condo, co-op, townhouse association, or what?

           Do you own this farm, do you pay rent, do you own it as a
           part of a condo, co-op, townhouse association, or what?

           Do you own this (house and lot/apartment), do you pay rent,
           do you own it as a part of a condo, co-op, townhouse
           association, or what?

           Do you and your family living here own this ranch, do you
           pay rent, do you own it as a part of a condo, co-op,
           townhouse association, or what?

           Do you and your family living here own this farm, do you
           pay rent, do you own it as a part of a condo, co-op,
           townhouse association, or what?

           Do you and your family living here own this (house and
           lot/apartment), 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 Association
            6.  Retirement Lifetime Tenancy
           -7.  Neither owns nor rents                 --> -7
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1)


NEITHER OWNS NOR RENTS

X705       How is your housing provided?
             1.  Housing is part of job compensation; live-in servant;
                 house-keeper; 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 temporaty quarters (garage, shed, etc.)
                 while home is under construction
             6.  Public Housing
             8.  Living in home of relatives/friends without paying
                 rent
             9.  House owned by trust created by R
            -7.  Other
             0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than neither owns nor
                rents: X701^=-7)
           *********************************************************
              FOR THE PUBLIC DATASET, CODE 9 IS COMBINED WITH -7;
              CODE 8 IS COMBINED WITH 2
           *********************************************************


X7133      Do you own any part of this ranch?

           Do you own any part of this farm?

           Do you own any part of this (house and lot/apartment)?

           Does anyone in your family living here own any part of
           this (farm/ranch)?

           Does anyone in your family living here own any part of
           this (house and lot/apartment)?

            1.  YES
            5.  NO
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
               is operated as a business: X501=4 or 5 and X503=1;
               some living arrangement other than neither owns nor
               rents: X701^=-7)


X7134      IN THE FOLLOWING QUESTIONS ABOUT VALUE AND LOANS, INCLUDE
           ONLY R'S SHARE; IF R KNOWS ONLY TOTALS FOR THE WHOLE
           PROPERTY, MAKE NOTES WHERE APPLICABLE

           What percent of the property do you own?

           What percent of the property do you and your family living
           here own?


           Code percent * 100
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
               is operated as a business: X501=4 or 5 and X503=1;
               some living arrangement other than neither owns nor
               rents: X701^=-7; R does not own any part: X7133=5)


           In what month and year did you move into this home?

X706       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
               is operated as a business: X501=4 or 5 and X503=1;
               some living arrangement other than neither owns nor
               rents: X701^=-7; R does not own any part: X7133=5)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X707       Code year (4 digits)
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
               is operated as a business: X501=4 or 5 and X503=1;
               some living arrangement other than neither owns nor
               rents: X701^=-7; R does not own any part: X7133=5)
           **************************************************
              FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1920
           **************************************************


RENTS HOME (INCLUDES FARM WITH NO FARM BUSINESS/RENTED FARM)

X708       How much rent do you pay for this (farm/ranch)?

           How much rent do you or your family living here pay for
           this (farm/ranch)?

           How much rent do you pay for this (house/apartment)?

           How much rent do you or your family living here pay for this 
           (house/apartment)?

           Code amount
           -1.  None
            0.  Inap. (R lives in MH: X501=2; R lives on farm operated
                as a business, but does not rent: X501=4 or 5 and
                X503=1 and X508^=3; some living arrangement other than
                rents rents: X701^=2)

X709       INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           -7.  Other
            0.  Inap. (R lives in MH: X501=2; R lives on farm operated
                as a business, but does not rent: X501=4 or 5 and
                X503=1 and X508^=3; some living arrangement other than
                rents rents: X701^=2)


X710       Does that include some or all utilities?

            1.  Yes, all
            3.  Yes, some
            5.  No
            0.  Inap. (R lives in MH: X501=2; R lives on farm operated
                as a business, but does not rent: X501=4 or 5 and
                X503=1 and X508^=3; some living arrangement other than
                rents rents: X701^=2)


X711       Do you rent it furnished or unfurnished?

            1.  Furnished
            3.  Partially furnished
            5.  Unfurnished
            0.  Inap. (R lives in MH: X501=2; R lives on farm operated
                as a business, but does not rent: X501=4 or 5 and
                X503=1 and X508^=3; some living arrangement other than
                rents rents: X701^=2)


           In what month and year did you move into this ranch?

           In what month and year did you move into this farm?

           In what month and year did you move into this (house/apartment)?

X712       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R lives in MH: X501=2; R lives on farm operated
                as a business, but does not rent: X501=4 or 5 and
                X503=1 and X508^=3; some living arrangement other than
                rents rents: X701^=2)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X713       Code year (4 digits)
            0.  Inap. (R lives in MH: X501=2; R lives on farm operated
                as a business, but does not rent: X501=4 or 5 and
                X503=1 and X508^=3; some living arrangement other than
                rents rents: X701^=2)


R OWNS SOME PART (INCLUDES FARM WITH NO FARM BUSINESS)

X7572      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. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1)


X703       How much are your fees?

           Code amount
           -1.  None
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1; no fees: X7572^=1)

X704       INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often do you pay this amount?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           -7.  Other
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1; no fees: X7572^=1)


X702       INTERVIEWER OBSERVATION:  DOES R LIVE IN MULTIPLE HU STRUCTURE?
           (CONFIRM WITH R IF NECESSARY)

            1.  YES
            5.  NO
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1


X714       Do you own the entire building or just your unit?

           Do you and your family living here own the entire building
           or  just your unit?

            1.  Entire building
            2.  Just R's unit
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1


X715       How many housing units are in this building?

           Code number of units
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1; does not own entire building: X714^=1)

X7135      Do you own your unit separately from the rest of the building?

            1.  YES
            5.  NO
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1; does not own entire building: X714^=1)


X716       The following questions about your home refer to your unit
           only.

           The following questions refer to the entire building.

           What is the current value of this (home and
           land/apartment/property)?  I mean, about what would it
           bring if it were sold today?

           INTERVIEWER:  PROPERTY REFERS TO WHATEVER PART R OWNS OF
           THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM OR
           RANCH. INCLUDE THE PART OF THE PROPERTY THAT R OWNS; FOR
           FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES.

           Code value
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                is operated as a business: X501=4 or 5 and X503=1;
                some living arrangement other than owns: X701^=1 and
                X7133^=1)


           In what month and year did you first purchase any part of
           this property? 
           (INTERVIEWER:  IF GIFT/INHERITANCE, ASK WHEN RECEIVED.)  

X719       Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                not owned at least in part: X501=4 or 5 and X508^=1 or
                2; some living arrangement other than owns: X701^=1 and
                X7133^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X720       Code year (4 digits)
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                not owned at least in part: X501=4 or 5 and X508^=1 or
                2; some living arrangement other than owns: X701^=1 and
                X7133^=1)
           **************************************************
              FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1920
           **************************************************


X718       CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (R lives in MH: X501=2; R lives on farm and farm
                not owned at least in part: X501=4 or 5 and X508^=1 or
                2; some living arrangement other than owns: X701^=1 and
                X7133^=1)

(ALL OWNERS EXCEPT MH)

X717       How much did it cost when you originally acquired it?
           INTERVIEWER:  IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.

           Code value
            0.  Inap. (R lives in MH: X501=2; R owns neither farm nor
                other type of dwelling: X508^=1 or 2 and X701^=1, 3,
                4, 5, or 6 and X7133^=1)


(ALL TYPES OF OWNERS)

X721       What are the real estate taxes on this home and land?

           What are the real estate taxes on this land?

           What are the real estate taxes on this home?

           What are the real estate taxes on this farm?

           What are the real estate taxes on this ranch?

           What are the real estate taxes on the part of the ranch you own?

           What are the real estate taxes on the part of the farm you own?

           What are the real estate taxes on this unit?

           What are the real estate taxes on this property?

           Code amount
           -1.  None
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1)

X722       INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often do you pay this amount?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -7.  Other
           -1.  None
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1)


X723       Is there a mortgage or land contract on this (home/home and
           land/apartment/property)? (Do not include home equity loans
           or lines of credit.)
           (IF R SAYS BOTH MORTGAGE AND LAND CONTRACT, CHOOSE MORTGAGE)

            1.  Yes, mortgage
            2.  Yes, land contract
            5.  No
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1)


X830       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, second mortgage
            2.  Yes, land contract
            5.  No
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723=5)


X931       Do you have any other loans that use this property as collateral?

           Do you have any loans that use this property as collateral?

           (Please do not include any home equity lines of credit.)

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                first mortgage but no second mortgage: X723=1 and X830^=1)


-----------------------------------------------------------------------------
MORTGAGES/LAND CONTRACTS/EQUITY LOANS ON PRINCIPAL RESIDENCE
#1 refers to first mortgage
#2 refers to second mortgage
#3 refers to other home equity loan other than a home equity line of credit
-----------------------------------------------------------------------------
X724(#1)   Is the first or main mortgage a federally guaranteed
           mortgage, such as FHA or VA?

            1.  YES
            5.  NO 
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5)

X726(#1)   Is it an FHA mortgage, a VA mortgage, or is it from some
           other program?

            1.  Federal Housing Administration (FHA)
            2.  Veteran's Administration (VA)
            3.  Federal land bank
            4.  Federal National Mortgage Association ("Fannie Mae")
            5.  Federal Home Loan Mortgage Corp. ("Freddie Mac")
           10.  State housing programs
           11.  First-time buyer program, n.e.c.
           12.  Other Federal loan program
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5; not federally guaranteed: X724^=1)


X727(#1)   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
           83.  Recommended
           90.  Assumed or assumable; seller-financed
           80.  No Choice, NEC
           81.  Used before, always use
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5; not federally guaranteed: X724^=1)


X725(#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. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5; has VA/FHA: X724=1)


           About this mortgage, in what month and year did you obtain
           or last refinance it? 

           About this land contract, in what month and year did you
           obtain or last refinance it?

           About this loan, in what month and year did you obtain or
           last refinance it?

X801(#1)   Code month
X901(#2)    1.  January
X1001(#3)   2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X802(#1)   Code year (4 digits)
X902(#2)    0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
X1002(#3)       X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5)


X803(#1)   Was this mortgage assumed from the previous owner?
X903(#2)
           Was this land contract assumed from the previous owner?

           Was this second mortgage assumed from the previous owner?

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5; year of mortgage not same as year
                of purchase: X802^=X611, X616, X626, X630, X634, and X720)


X7137(#1)  Did you take out this mortgage to: refinance or rollover an
           earlier loan, borrow additional money on your home equity,
           or to do both?

            1.  Refinance or rollover an earlier loan,
            2.  Borrow additional money on your home equity,
            3.  Do both?
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5; year of mortgage same as year
                of purchase: X802=one of X606, X611, X616, X626, X630,
                X634, or X720)


X6723(#1)  For what purpose was the money used?

           LOAN PURPOSE MASTER CODE LIST

           Home Purchase, Addition or Repair of Current Residence
            1.  Own home purchase
            3.  Home improvements or additions (incl. assessments for
                sewer/sidewalk, etc.)
            4.  Home repairs/maintenance/upkeep
           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 code
                34); lamps; mattress and spring combinations; rug
                and/or carpet; other household furnishings 
           20.  Vaccum 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 and appliances
           29.  Other appliances or durable goods; sewing machine; typewriter
           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 (excl. piano and organ)
           36.  TV -- color or black and white; "home entertainment
                center" (including combination TV, radio, phonograph);
                video cassette recorder/player (VCR); video camera
                (Cam-corder)
           49.  Other small/indoor hobby and entertainment items
                (incl. pool tables and regular cameras)
           50.  Power tools and yard equipment
           61.  Boat; boating equipment (incl. trailer), airplane, 
                airplane equipment
           63.  Montorcycles; 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"
           69.  Other outdoor recreation items; horse
           71.  Invest in Bus #1
           72.  Invest in Bus #2
           73.  Invest in 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 F
                section
           79.  Other investments
           80.  Divorce/separation 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/other "occasions"
           88.  Moving expenses
           89.  Other special expenses; encyclopedia; health membership 
           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 (including combinations)

            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no mortgage: X723=5; year of mortgage same as year
                of purchase: X802=one of X611, X616, X626, X630, X634,
                or X720; additional money not taken out on loan:
                X7137^=2 or 3)


X804(#1)   How much did you borrow or refinance?
X904(#2)
X1004(#3)  Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1))


X805(#1)   How much is still owed on this loan?
X905(#2)
X1005(#3)  Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1))


           How many years or payments did you agree upon when the loan
           was taken out or refinanced?

X806(#1)   NUMBER OF YEARS
X906(#2)
X1006(#3)  Code number of years
           -1.  NO SET NUMBER OF YEARS
           -7.  Unable to calculate from number of payments
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1))

X807(#1)   NUMBER OF PAYMENTS
X907(#2)
X1007(#3)  Code number of payments
           -1.  NO SET NUMBER OF PAYMENTS 
           -7.  Unable to calculate from number of years
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1))

X9154(#1)   Recode: Term of loan in months
X9155(#2)
X9156(#3)   Code number of months
           -1.  NO SET NUMBER OF YEARS/PAYMENTS
           -7.  Unable to calculate from number of payments/years
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1))
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X808(#1)   How much are the payments?
X908(#2)
X1008(#3)  Code amount
           -1.  None
           -2.  NO REGULAR PAYMENTS
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1);
                no set number of payments: X806/X906/X1006=-1 or
                X807/X907/X1007=-1)


X809(#1)   INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X909(#2)   And how often are they due?
X1009(#3)
           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23. 13 times a year; every 4 weeks
           24. Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1);
                no set number of payments: X806/X906/X1006=-1 or
                X807/X907/X1007=-1)


X813(#1)   What is the typical payment?
X913(#2)
X1013(#3)  Code amount
           -1.  None
           -2.  NO TYPICAL PAYMENTS
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1);
                set number of payments and positive payment:
                X806/X906/X1006^=-1 and X807/X907/X1007^=-1 and
                X808/X908/X1008>0)

X814(#1)   INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X914(#2)   And how often is it made?
X1014(#3)
           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23. 13 times a year; every 4 weeks
           24. Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO TYPICAL PAYMENTS
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage:
                X830^=1/no third mortgage: X930^=1 or (X723=5 and X830^=1);
                set number of payments and positive payment:
                X806/X906/X1006^=-1 and X807/X907/X1007^=-1 and
                X808/X908/X1008>0)


X810(#1)   Does the amount include property taxes or home owners
           insurance?   (Which?)

            1.  Taxes only
            2.  Insurance only
            3.  Both
            4.  Neither
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; no typical payment:
                X813=-1 or -2/X913=-1 or -2/X1013=-1 or -2)


X811(#1)   Will the (regular) payments repay the loan completely, or
X911(#2)   will there be a balance payable, or "balloon" payment, when
X1011(#3)  the loan is due? 

            1.  Repay completely
            2.  Balloon
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1; no
                typical payment: X813=-1 or -2/X913=-1 or -2/X1013=-1 or -2)


X812(#1)   What will the balance due or balloon payment be?
X912(#2)
X1012(#3)  Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1; no
                typical payment: X813=-1 or -2/X913=-1 or -2/
                X1013=-1 or -2; no balloon payment: X811^=2/X911^=2/X1011^=2)


X7571(#1)  Are you paying off this loan ahead of schedule, behind
X7570(#2)  schedule, or are the payments about on schedule?
X7569(#3)
            1.  On schedule
            2.  Ahead of schedule
            3.  Behind schedule
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1;
                no set number of payments: X811=-1/X911=-1/X1011=-1;
                no typical payment: X813=-1 or -2/X913=-1 or -2/
                X1013=-1 or -2)


X815(#1)   When do you expect this loan to be repaid?
X915(#2)
X1015(#3)  Code year (4 digits)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1;
                no set number of payments: X811=-1/X911=-1/X1011=-1;
                loan on schedule: X7571=1/X7570=1/X7569=1)


X816(#1)   What is the current annual rate of interest being charged
X916(#2)   on the loan?
X1016(#3)
           Code percent * 100
           -1.  No interest
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1)


X817(#1)   Please look at the Institutions Card.  Is the loan with any
X917(#2)   of the institutions on the Institutions Card, or from
X1017(#3)  someplace else?   (IF INSTITUTIONS CARD: 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1)


X9083(#1)  Recode: type of institution
X9084(#2)
X9085(#3)  See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1)


X7568(#1)  Is this the same institution as the one from which you
           originally took out this loan?

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1)


X819(#1)   (SHOW CARD 4)
           What was the most important reason you chose the original lender? 

           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 of offices
            4.  Other business
            5.  Easy to qualify (for credit); only place that would
                give us a loan
            6.  Many services in one place
           10.  Low fees/service charges
           11.  Personal relationship; they know me; know/like them;
                R/Spouse works there 
           21.  No choice -- assumed existing debt and lender from
                previous owner
           22.  No choice--financed through contractor/developer/prev.
                owner/builder and this was their financial institution/
                land contract 
           23.  No choice (n.e.c.)
           24.  Flexible loan terms; choice of loan terms
           25.  Handled VA loans
           26.  Participated in first time buyer program
           27.  Government-sponsored program n.e.c.
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1)

           NOTE; SHOW CARD 5 contained a vertical column of the
           following items: "Recommended," "Low interest rates,"
           "Location of offices," "Other business with them," "Easier
           to quality," " Other reason."

X918(#2)   Was the money from this loan used for the purchase of this
X1018(#3)  home or for some other purpose?

            1.  Home purchase
            3.  Home improvements
            See LOAN PURPOSE MASTER CODE LIST at X6723 for other codes
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no second mortgage: X830^=1/no third mortgage: X930^=1
                or (X723=5 and X830^=1)


X820(#1)   Is this an adjustable rate loan; that is, does it have 
X920(#2)   an interest rate that can rise or fall from time to time?
X1020(#3)
           Is this an adjustable rate mortgage; that is, does it have 
           an interest rate that can rise or fall from time to time?

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1/no second mortgage: X830^=1/
                no third mortgage: X930^=1 or (X723=5 and X830^=1)


X821(#1)   Does the change in your interest rate depend on some other
           interest rate?

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


X822(#1)   On what other rate does it depend?

            1.  Consumer Price Index (CPI); "cost of living
            2.  GNP (Gross National Product)  Deflater
            3.  Prime (interest) Rate
            4.  Treasury Bill Rate (T-Bill rate)
            5.  "Current rate"  or "going rate" -- NFS
            6.  District/regional rate
            7.  Other index; index NEC
            8.  CD rate
            9.  Other rate
           11.  FHLBB (Federal Home Loan Bank Board)
           12.  FSLIC (Federal Savings and Loan Ins. Corp)
           13.  Ginny Mae rate
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


           How often can your interest rate change?             

X823(#1)   Code number of times
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)

X824(#1)   Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly; every two months
           13.  Every three years
           15.  Continuously floating rate/whenever rate changes
           16.  Per 7 years
           18.  Hour
           22.  Varies
           25.  Every two years
           26.  Every four years
           27.  Every five years
           28.  Every ten years
           30.  At seven years
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


X825(#1)   When the interest rate on your mortgage changes, does the
           size of your monthly payments also change?

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


X826(#1)   What is the most the rate can rise at any one time?     
           (POINTS = PERCENTAGE POINTS)       

           Code percent * 1
           -2.  No limit
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


X828(#1)   What was the interest rate on this mortgage when you first
           got it?

           Code percent * 1
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


X827(#1)   What is the highest the rate can go up to over the life 
           of the loan?
           INTERVIEWER: WE WANT THE HIGHEST RATE ALLOWED, NOT THE MAXIMUM
           AMOUNT BY WHICH THE RATE COULD RISE.

           Code percent * 1
           -2.  No limit
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


X829(#1)   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. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no first mortgage: X723^=1; not adjustable rate: X820^=1)


-----------------------------------------------------------------------------
OTHER  LOAN USED TO PURCHASE PROPERTY
-----------------------------------------------------------------------------
X1032(#1)  Do you owe money on any other loans used for the purchase of 
           this property, such as loans from relatives or the seller?  

           Do you owe money on any loans used for the purchase of 
           this property, such as loans from relatives or the seller?  

           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?

           Do you and your family living here owe money on any 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.)

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1)


           In what month and year was this loan taken out?

X1033      Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X1034      Code year (4 digits)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)



X1035      How much was borrowed, not including finance charges?

           Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)


X1036      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?

            1.  Regular installment
            2.  Other kind
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)


           How many monthly payments or years were agreed upon when
           the loan was received?

X1038      Code number of years
           -1.  No set number of years
           -7.  Unable to calculate from number of payments
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; not a
                regular loan: X1036^=1)

X1037      Code number of payments
           -1.  No set number of payments
           -7.  Unable to calculate from number of years
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; not a
                regular loan: X1036^=1)

X9160      Recode: term of loan in months
           -1.  No set number of years/payments
           -7.  Unable to calculate from number of years/payments
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; not a
                regular loan: X1036^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X1039      How much are the payments?

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; not a
                regular loan: X1036^=1; no set number of payments:
                X1038=-1)

X7567      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often are they made?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; not a
                regular loan: X1036^=1; no set number of payments:
                X1038=-1)


X1040      What is the typical payment?

           Code amount
           -1.  Nothing
           -2.  No typical payment
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; regular
                loan and regular payments: X1036=1 and X1039>0)

X1041      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is it made?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; regular
                loan and regular payments: X1036=1 and X1039>0)


X7566      Are you paying off this loan ahead of schedule, behind
           schedule, or are the payments about on schedule?

            1.  On schedule
            2.  Ahead of schedule
            3.  Behind schedule
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; not regular
                loan: X1036^=1; no regular payment: X1039<=0)


           In what month and year do you expect this loan to be repaid?

X1042      Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; payments on
                schedule: X7566=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X1043      Code year (4 digits)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1; payments on
                schedule: X7566=1)


X1044      How much is still owed on this loan?

           Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)


X1045      What is the current annual rate of interest being charged
           on this loan?

           Code percent * 100
           -1.  Nothing
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)


X1046      Please look at the Institutions Card.  Is the loan with any
           of the institutions on the Institutions Card, or from
           someplace else?   (IF INSTITUTIONS CARD: 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)

X9086(#1)  Recode: type of institution

            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no other loan for home purchase: X1032^=1)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
LINES OF CREDIT
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X1101      Do you 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.  

           Do you 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.  

           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.

           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.) 

            1.  YES
            5.  NO


X1102      How many lines of credit do you have?

           How many lines of credit do you and your family living here
           have?

           Code number
            0.  Inap. (no lines of credit: X1101=5)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************

X6686      Originally reported value of X1102 (see introduction)

           Code number
            0.  Inap. (no lines of credit: X1101=5)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************


-----------------------------------------------------------------------------
#1 refers to first line of credit
#2 refers to second line of credit
#3 refers to third line of credit
#4 refers to all remaining lines of credit
-----------------------------------------------------------------------------
X1103(#1)  Is this line of credit secured by the equity in your home?
X1114(#2)
X1125(#3)  Is the largest line of credit secured by the equity in your home?

           Is the next line of credit secured by the equity in your home?

            1.  YES
            5.  NO
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3;
                does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1)


X1105(#1)  Are you currently borrowing any money against this line of
X1116(#2)  credit?
X1127(#3)
            1.  YES
            5.  NO
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3)


X7141(#1)  How much did you borrow the most recent time you used this
X7142(#2)  line?
X7143(#3)
           Code amount
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3;
                not currently borrowing: X1105^=1/X1116^=1/X1127^=1)


X1106(#1)  What was the money used for?  (What was its major use?)
X1117(#2)
X1128(#3)  See LOAN PURPOSE MASTER CODE LIST at X6723
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3;
                not currently borrowing: X1105^=1/X1116^=1/X1127^=1)


X1108(#1)  How much is currently owed?
X1119(#2)
X1130(#3)  Code amount
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3;
                not currently borrowing: X1105^=1/X1116^=1/X1127^=1)


X1109(#1)  What is the typical payment?
X1120(#2)
X1131(#3)  Code amount
           -1.  Nothing
           -2.  No typical payment
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3;
                not currently borrowing: X1105^=1/X1116^=1/X1127^=1)

X1110(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X1121(#2)  And how often is it made?
X1132(#3)
           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month 
            5.  Quarter
            6.  Year
            8.  In total
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3;
                not currently borrowing: X1105^=1/X1116^=1/X1127^=1)


X1111(#1)  What is the current annual rate of interest being charged
X1122(#2)  on this loan?
X1133(#3)
           Code percent * 100
           -1.  Nothing
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3;
                not currently borrowing: X1105^=1/X1116^=1/X1127^=1)


X1112(#1)  (Please look at the Institutions Card.)  Is this line of
X1123(#2)  credit with any of the institutions on the Institutions
X1134(#3)  Card, or from someplace else?  (IF 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3)

X9087(#1)  Recode: type of institution
X9088(#2)
X9089(#3)   See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3)


X1104(#1)  What is the maximum amount you could borrow on this 
X1115(#2)  line of credit (including what you owe now)?  
X1126(#3)
           What is the maximum amount you could borrow on this line of
           credit?

           Code amount
            0.  Inap. (no lines of credit: X1101=5/no second line of
                credit: X1102<2/no third line of credit: X1102<3)


X1136(#4)  What is the total amount that you currently owe on all
           other remaining lines of credit?

           What is the total amount that you and your family living
           here currently owe on all other remaining lines of credit?

           Code amount
           -1.  Nothing
            0.  Inap. (no lines of credit: fewer than four lines
                credit: X1102<4)

X8401(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (Does not have any lines of credit: X1101=5;
                fewer than four lines of credit: X1102<4; did
                break off early in grid)


-----------------------------------------------------------------------------
HOME IMPROVEMENTS
-----------------------------------------------------------------------------
X1201      Have you ever made any major additions or done extensive 
           remodeling to this property?

           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. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1)


X1202      Roughly what was the total cost of all remodeling or
           additions to this property?

           Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1)


X1203      Other than what I have already recorded, do you owe any
           money on loans taken out for these projects?

           Other than what I have already recorded, do you or your
           family living here owe any money on loans taken out for
          these projects?
            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1)


           In what month and year was the most recent loan taken out?

X1204      Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X1205      Code year (4 digits)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1)


X1206      How much was borrowed, not including finance charges?

           Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1)


X1207      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?

            1.  Regular installment
            2.  Other kind
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1)


           How many monthly payments or years were agreed upon when
           the loan was received?

X1209      Code number of years
           -1.  No set number of years
           -7.  Unable to calculate from number of payments
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1; not a regular loan: X1207^=1)

X1208      Code number of payments
           -1.  No set number of payments
           -7.  Unable to calculate from number of years
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1; not a regular loan: X1207^=1)

X9161      Recode: term of loan in months
           -1.  No set number of years/payments
           -7.  Unable to calculate from number of years/payments
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1; not a regular loan: X1207^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X1210      How much are the payments?

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no home improvement loan:
                X1203^=1; not a regular loan: X1207^=1;
                no set number of payments: X1209=-1)

X7565      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often are they made?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1; not a regular loan: X1207^=1;
                no set number of payments: X1209=-1)


X1211      What is the typical payment?

           Code amount
           -1.  Nothing
           -2.  No typical payment
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1; not a regular loan and regular
                payments: X1210>0)

X1212      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is it made?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1; not a regular loan and regular
                payments: X1210>0)


X7564      Are you paying off this loan ahead of schedule, behind
           schedule, or are the payments about on schedule?

            1.  On schedule
            2.  Ahead of schedule
            3.  Behind schedule
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1; not a regular loan: X1207^=1;
                no regular payment: X1210<=0)


           In what month and year do you expect this loan to be repaid?

X1213      Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1; payments on schedule: X7564=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X1214      Code year (4 digits)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1; payments on schedule: X7564=1)


X1215      How much is still owed on this loan?

           Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1)


X1216      What is the current annual rate of interest being charged
           on this loan?

           Code percent * 100
           -1.  Nothing
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1)


X1217      Please look at the Institutions Card.  Is the loan with any
           of the institutions on the Institutions Card, or from
           someplace else?   (IF INSTITUTIONS CARD: 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1)

X9090(#1)  Recode: type of institution

            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1;
                no improvements: X1201^=1; no loan for home
                improvements: X1203^=1)


X1218      Do you owe money on more than one loan for home additions
           or improvements to this property?

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1; no improvements: X1201^=1; no home
                improvement loan: X1203^=1)


X1219      Altogether, how much is still owed on all other loans for
           additions or improvements to this property?

           Code amount
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1; no improvements: X1201^=1; no home
                improvement loan: X1203^=1; no additional home
                improvement loans: X1218^=1)


X1220      Altogether, how much are the payments?

           Code amount
           -1.  None
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1; no improvements: X1201^=1; no home
                improvement loan: X1203^=1; no additional home
                improvement loans: X1218^=1)

X1221      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often are they made?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1; no improvements: X1201^=1; no home
                improvement loan: X1203^=1; no additional home
                improvement loans: X1218^=1)


-----------------------------------------------------------------------------
RENT OUT ANY PORTION OF PROPERTY
-----------------------------------------------------------------------------
X1223      Do you rent out any portion of this (house or
           lot/apartment/mobile/home/building) to others?

           Do you or anyone in your family here rent out any portion
           of this (house or lot/apartment/mobile home/building) to
           others?

            1.  YES
            5.  NO
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1; R lives on farm: X501=4 or 5)


X1224      How much rent do you collect?

           Code amount
           -1.  Nothing
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1; R lives on farm: X501=4 or 5; does not rent
                part of home: X1223^=1)

X1225      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount collected?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month 
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           -1.  No rent collected
            0.  Inap. (Does not own any part of HU: X508^=1 or 2 and
                X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and
                X7133^=1; R lives on farm: X501=4 or 5; does not rent
                part of home: X1223^=1)


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
LAND CONTRACTS AND NOTES GIVEN BY R
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X1401      Have you ever sold any real estate for which you loaned
           money to the buyer?  Please include accepting a note, land
           contract, or mortgage from the buyer.

           Have you or anyone in your family living here ever sold
           any real estate for which you loaned money to the buyer?
           Please include accepting a note, land contract, or mortgage
           from the buyer.

            1.  YES
            5.  NO


X1402      Does the buyer still owe you money on any of these notes, 
           land contracts, or mortgages?

           Does the buyer still owe your family money on any of these
           notes, land contracts, or mortgages?

            1.  YES
            5.  NO
            0.  Inap. (Never made any such loans: X1401=5)


X1403      Altogether, on how many such loans are you owed money?

           Altogether, on how many such loans is your family owed money?

           Code number
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 15
           *********************************************


X6687      Originally reported value of X1403 (see introduction)

           Code number
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 15
           *********************************************


-----------------------------------------------------------------------------
#1 refers to first loan
#2 refers to second loan
#3 refers to third loan
#4 refers to all remaining loans
-----------------------------------------------------------------------------
X1404(#1)  About this loan, is it a land contract, a mortgage, or
X1504(#2)  something else?
X1604(#3)
           About the largest loan, is it a land contract, a mortgage,

           About the next largest loan, is it a land contract, a
           mortgage, or something else?

            1.  land contract/lease purchase
            2.  mortgage
            3.  something else
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3)


X1405(#1)  How much are you owed on this note?
X1505(#2)
X1605(#3)  How much are you and your family owed on this note?

           Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is land contract or
                mortgage: X1401=1 or 2/X1504=1 or 2/X1604=1 or 2)


           In what month and year was this loan taken out?

X1406(#1)  Code month
X1506(#2)   1.  January
X1606(#3)   2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X1407(#1)  Code year (4 digits)
X1507(#2)   0.  Inap. (Never made any such loans: X1401=5; no such
X1607(#3)       loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)


X1408(#1)  How much money did you lend the borrower?
X1508(#2)
X1608(#3)  How much money did your family lend the borrower?

           Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)



X1409(#1)  How much is still owed on this loan?
X1509(#2)
X1609(#3)  Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)


X1410(#1)  How much are the loan payments?
X1510(#2)
X1610(#3)  Code amount
           -1.  Nothing
           -2.  No regular payments
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

X1411(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X1511(#2)  And how often are they due?
X1611(#3)
           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month 
            5.  Quarter
            6.  Year
            8.  In total
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -1.  Nothing
           -2.  No regular payments
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)


           When the loan was taken out, was it agreed upon that there
           were going to be a number of years , a number of payments,
           or was there no set number of years or payments?


X1412(#1)  Code number of years
X1512(#2)  -1.  No set number of years
X1612(#3)  -7.  Unable to calculate from number of payments
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)

X1413(#1)  Code number of payments
X1513(#2)  -1.  No set number of payments
X1613(#3)  -7.  Unable to calculate from number of years
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2)


X1414(#1)  Will the regular payments pay off the loan completely or
X1514(#2)  will there be a balance payable or "balloon" when the loan
X1614(#3)  is due?

            1.  REPAID COMPLETELY
            5.  BALANCE PAYABLE OR BALLOON
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2;
                no set number of payments: X1413=-1/X1513=-1/X1613=-1)


X1415(#1)  What will the balance payable or balloon payment be?
X1515(#2)
X1615(#3)  Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; loan is not land contract
                or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2;
                no set number of payments: X1413=-1/X1513=-1/X1613=-1;
                no balloon payment: X1414^=5/X1514^=5/X1614^=5)



X1416(#1)  Do you still owe any money on loans for this property?
X1516(#2)
X1616(#3)  Do you or your family living here still owe any money
           on loans for this property?

            1.  YES
            5.  NO
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3)


X1417(#1)  How much do you still owe?
X1517(#2)
X1617(#3)  Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1/fewer than 2 loans: X1403<2/
                fewer than 3 loans: X1403<3; R owes no money on property
                X1416^=1/X1516^=1/X1616^=1)


X1619(#4)  About how much in total is owed to you on the remaining
           notes, land contracts, or mortgages?

           About how much in total is owed to your family on the
           remaining notes, land contracts, or mortgages?

           Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1; fewer than 4 loans: X1403<4)

X8402(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1; did not break off early in
                grid)


X1620(#4)  Do you still owe any money on loans for these other
           properties?

           Do you or your family here still owe any money on loans
           for these other properties?

            1.  YES
            5.  NO
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1; fewer than 4 loans: X1403<4)

X8403(#4)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1; did not break off early in
                grid)


X1621(#4)  Altogether how much do you still owe?

           Altogether how much does your family still owe?

           Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1; fewer than 4 loans: X1403<4;
                R owes no money on properties: X1620^=1)

X8404(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (Never made any such loans: X1401=5; no such
                loans currently: X1402^=1; did not break off early in
                grid; no money owed on properties underlying loans:
                X8403^=1)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
INVESTMENT REAL ESTATE AND VACATION PROPERTIES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X1700      Do you own any (other) real estate such as a lot, vacation
           home, timeshare, apartment building, commercial property, or
           other investment property, including properties owned in
           partnership with other people?

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

            1.  YES
            5.  NO


X7555      Are any of these properties owned by a business?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5)


X1701      How many properties that are not owned by a business do
           you own or have an interest in?  

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

           Earlier you told me you own your home separately from the
           other unit you own on the property.  Please include the
           rest of the property here.

           Earlier you told me you own your home separately from the
           other units you own on the property.  Please include the
           rest of the property here.

           Code number
           -1.  None
            0.  Inap. (No properties: X1700=5)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 20
           *********************************************


X6688      Originally reported value of X1701 (see introduction)

           Code number
           -1.  None
            0.  Inap. (No properties: X1700=5)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 20
           *********************************************


-----------------------------------------------------------------------------
#1 refers to first property
#2 refers to second property
#3 refers to third property
#4 refers to all remaining vacation properties
#5 refers to all remaining properties other than vacation properties
-----------------------------------------------------------------------------
X1703(#1)  I want to ask first about the property where you live.
X1803(#2)  In the questions that follow, please give me the amounts
X1903(#3)  for the building excluding your unit.

           I want to ask about the property where you live.
           In the questions that follow, please give me the amounts
           for the building excluding your unit.

           I want to ask first about the most valuable property.

           About the property.....

           About the next most valuable property.....

           What type of property is this?

            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
            21.  Seasonal/vacation house (winter/summer home; cottage; etc.)
            22.  Trailer/Mobile Home
            24.  Mobile home park
            25.  Time-share ownership -- any
            40.  One single family house
            41.  Multiple single family houses
            42.  Duplex 2 unit residence
            43.  Triplex - 3 unit residence
            44.  Fourplex - 4 unit residence
            45.  5 or more unit residence
            46.  "Apartment house" -- NA # of units; "rental" units or
                 property NFS
            47.  Other business/commercial property (exc. 41-46)
            48.  Business/commercial and residentaial combination
            49.  Condominium
            50.  Residential
            51.  Garage
            52.  Burial lot
            -7.  Other, including combinations
           999.  Misc. vacation property mapped from mop-up question
             0.  Inap. (No properties: X1700=5; no properties not owned
                 by a business: X1701=-1)
           *******************************************************
              FOR THE PUBLIC DATASET, CODES 12, 13, 14, 22, AND
              24 ARE COMBINED WITH 12; CODE 25 IS COMBINED WITH
              21; CODES 43 AND 44 COMBINED WITH 42; CODE 48 IS
              COMBINED WITH 47; CODE 46 IS COMBINED WITH 45;
              CODE 52 IS COMBINED WITH -7.
           *******************************************************



X1704(#1)  Is this property owned by you, is it owned jointly with
X1804(#2)  others, owned by a partnership, is it a timeshare, or what?
X1904(#3)
           Is this property owned by you and your family living here,
           is it owned jointly with others, owned by a partnership,
           is it a timeshare, or what?

            1.  OWNED BY R (AND FAMILY LIVING THERE)
            2.  OWNED JOINTLY
            3.  PARTNERSHIP; limited partnership
            4.  REAL ESTATE INVESTMENT TRUST (REIT)
            5.  TIMESHARE
            8.  Property moved from mopup and assumed to be all R's (value
                collected in mopup is R's share)
           10.  Corporation NEC
           -7.  Other; including combinations
             0.  Inap. (No properties: X1700=5; no properties not owned
                 by a business: X1701=-1/fewer than 2 properties: X1701<2/
                 fewer than 3 properties: X1701<3)


X1705(#1)  What percentage of the property do you own?
X1805(#2)
X1905(#3)  What percentage of the property do you and your family
           living here own?

           Code percent * 100
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)


X1706(#1)  How much in total is this timeshare worth?
X1806(#2)
X1906(#3)  How much in total is this property worth?

           I mean, what would it bring if it were sold today?

           INTERVIEWER: WE WANT THE TOTAL VALUE OF THE PROPERTY, NOT
           JUST R'S SHARE. (asked if property not a time share)

           Code value
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)


           In what month and year did you first purchase this property?

           In what month and year did you first purchase any part of 
           this property?

           In what month and year did you first purchase this timeshare?

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

X1707(#1)   Code month
X1807(#2)   1.  January
X1907(#3)   2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X1708(#1)  Code year (4 digits)
X1808(#2)   0.  Inap. (No properties: X1700=5; no properties not owned
X1908(#3)       by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)
           **************************************************
              FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1920
           **************************************************


X1710(#1)  CODE GIFT/INHERITANCE
X1810(#2)   1.  GIFT/INHERITANCE
X1910(#3)   5.  R PURCHASED
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)


X1709(#1)  What was the value of the property when received?
X1809(#2)
X1909(#3)  What was the purchase price of your timeshare?

           What was the total purchase price?

           Code amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)


X1711(#1)  Are there any outstanding loans or mortgages on this timeshare?
X1811(#2)
X1911(#3)  Are there any outstanding loans or mortgages on this property?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)


           In what month and year did you obtain or last refinance the loan?

X1712#1)  Code month
X1812(#2)   1.  January
X1912(#3)   2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X1713(#1)  Code year (4 digits)
X1813(#2)   0.  Inap. (No properties: X1700=5; no properties not owned
X1913(#3)       by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)


X1714(#1)  How much was borrowed or refinanced for your timeshare?
X1814(#2)
X1914(#3)  In total, how much was borrowed or refinanced?

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)


X1715(#1)  How much is still owed?
X1815(#2)
X1915(#3)  In total, how much is still owed?

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)


           How many years or what number of payments were agreed upon
           when the loan was taken out?

           In total, how many years or what number of payments were
           agreed upon when the loan was taken out?

X1716(#1)  Code number of years
X1816(#2)  -1.  No set number of years
X1916(#3)  -7.  Unable to calculate from number of payments
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)

X1717(#1)  Code number of payments
X1817(#2)  -1.  No set number of payments
X1917(#3)  -7.  Unable to calculate from number of years
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)

X9157(#1)  Recode: Term of loan in months
X9158(#2)
X9159(#3)  Code months
           -1.  No set number of years/payments
           -7.  Unable to calculate from number of payments/years
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X1718(#1)  How much are the payments?
X1818(#2)
X1918(#3)  In total, how much are the payments?

           Code amount
           -1.  Nothing
           -2.  No regular payments
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; no set number of payments:
                X1716=-1/X1816=-1/X1916=-1)

X1719(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X1819(#2)  And how often are they due?
X1919(#3)
           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23. 13 times a year; every 4 weeks
           24. Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; no set number of payments:
                X1716=-1/X1816=-1/X1916=-1)

X1723(#1)  What is the typical payment?
X1823(#2)  -1.  None
X1923(#3)  -2.  NO TYPICAL PAYMENTS
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; set number of payments and
                positive amount of payments: X1716^=-1 and X1718>0/
                /X1816^=-1 ad X1818>0/X1916^=-1 and X1918>0)

X1724(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X1824(#2)  And how often is it made?
X1924(#3)
           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23.  13 times a year; every 4 weeks
           24.  Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO TYPICAL PAYMENTS
           -7.  Other
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; set number of payments and
                positive amount of payments: X1716^=-1 and X1718>0/
                /X1816^=-1 ad X1818>0/X1916^=-1 and X1918>0)


X1720(#1)  Does this amount include property taxes or insurance?
X1820(#2)  INTERVIEWER: PROBE FOR WHICH.
X1920(#3
            1.  Taxes only
            2.  Insurance only
            3.  Both
            4.  Neither
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; no typical payment:
                X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2)


X1721(#1)  Will the regular payments repay the loan completely or will
X1821(#2)  there  be a balance payable, or "balloon" payment when the
X1921(#3)  loan is due?

            1.  Repay completely
            5.  Balloon
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; no typical payment:
                X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2)


X1722(#1)  What will the balance due or balloon payment be?
X1822(#2)
X1922(#3)  Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; no typical payment:
                X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2; no
                balloon payment: X1721^=2/X1821^=2/X1921^=2)


X7554(#1)  Is this loan being paid off ahead of schedule, behind
X7553(#2)  schedule, or are the payments about on schedule?
X7552(#3)
            1.  On schedule
            2.  Ahead of schedule
            3.  Behind schedule
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; no set number of payments:
                X1716=-1/X1816=-1/X1916=-1; no typical payment:
                X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2)


X1725(#1)  When do you expect this loan to be repaid?
X1825(#2)
X1925(#3)  Code year (4 digits)
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1; no set number of payments:
                X1716=-1/X1816=-1/X1916=-1; loan on schedule: X7554=1/
                X7553=1/X7552=1)


X1726(#1)  What is the current annual interest rate being charged on
X1826(#2)  the loan?
X1926(#3)
           Code percent * 100
           -1.  No interest
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)


X1727(#1)  Does this loan have an adjustable rate?  That is, does it
X1827(#2)  have an interest rate that can rise and fall from time to time?
X1927(#3)
            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)


X1728(#1)  Please look at the Institutions Card.  Is the loan with any
X1828(#2)  of the institutions on the Institutions Card, or from
X1928(#3)  someplace else?   (IF INSTITUTIONS CARD: 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)

X9099(#1)  Recode: type of institution
X9100(#2)
X9101(#3)  See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no loan on property:
                X1711^=1/X1811^=1/X1911^=1)


X1729(#1)  Did you receive any income from this property in 1994?
X1829(#2)
X1929(#3)  Did your family living here receive any income from this 
           property in 1994?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3)


X1730(#1)  How much gross income did you receive?
X1830(#2)
X1930(#3)  How much gross income did your family receive?

           Code amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1/fewer than 2 properties: X1701<2/
                fewer than 3 properties: X1701<3; no income from property:
                X1719^-1/X1819^=1/X1929^=1)


X2001(#4)  About the remaining properties that you own, are any of these 
           vacation homes or land you use for recreational purposes?
           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. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4)

X8405(#4)  Original value of total for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid)


X2002(#4)  How much in total is your share of these vacation homes or 
           recreational property worth?

           How much in total is your family's share of these vacation 
           homes or recreational property worth?

           Code value
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1)

X8406(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1)


X2003(#4)  What was your total purchase price for these properties?

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

           Code value
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties
                X1701<4; 4 or more properties, but no vacation:
                properties beyond 3rd property: X1701>=4 and
                X2001^=1)

X8407(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1)

X2004(#4)  CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1)

X8408(#4)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

           Code gift/inheritance
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1)


X2005(#4)  Are there any mortgages or loans outstanding against these
           vacation homes or recreational land?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1)

X8409(#4)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1)


X2006(#4)  Altogether, about how much is owed on your share of these 
           mortgages or loans?

           Altogether, about how much is owed on your family's share 
           of these mortgages or loans?

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1; no loans on property: X2005^=1)

X8410(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1;
                no mortgages on residual vacation properties: X8409^=1)


X2007(#4)  How much are the payments on these loans or mortgages?

           Code amount
           -1.  Nothing
           -2.  No regular payments
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1; no loans on property: X2005^=1)

X2008(#4)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23. 13 times a year; every 4 weeks
           24. Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1; no loans on property: X2005^=1)

X8411(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1;
                no mortgages on residual vacation properties: X8409^=1)

X8412(#4)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23. 13 times a year; every 4 weeks
           24. Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1;
                no mortgages on residual vacation properties: X8409^=1)


X2009(#4)  Did you receive any income in 1994 from renting out these 
           vacation homes or recreational land?

           Did you or your family living here receive any income in 1994 
           from renting out these vacation homes or recreational land?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1)

X8413(#4)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1)


X2010(#4)  Altogether, how much gross income did you receive?

           Altogether, how much gross income did your family receive?

           Code amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 or more properties, but no vacation
                properties beyond 3rd property: X1701>=4 and
                X2001^=1; no income from property: X2009^=1)

X8414(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no vacation properties among residual: X8405^=1;
                no rental income on residual vacation properties X8413^=1)


X2011(#5)  Are there any remaining properties you own that you have
           not told me details about?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1)

X8415(#5)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid)


X2012(#5)  For the remaining properties that you own, about how much
           in total is your share worth?  I mean, what could you sell
           them for?

           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 amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1)

X8416(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1)


X2013(#5)  About how much was your total purchase price for these
           properties?

           About how much was your family's total purchase price for
           these properties?

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

           Code amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1)

X8417(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1)

X2014(#5)  CODE GIFT/INHERITANCE
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1)

X8418(#5)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

           Code gift/inheritance
            1.  GIFT/INHERITANCE
            5.  R PURCHASED
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1)


X2015(#5)  Are there mortgages or loans outstanding against these
           properties?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1)

X8419(#5)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1)


X2016(#5)  Altogether, about how much is owed on your share of these 
           mortgages or loans?

           Altogether, about how much is owed on your family's share of 
           these mortgages or loans?

           Code amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1;
                no loans on property: X2015^=1)

X8420(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1;
                no mortgages on remaining properites:  X8419^=1)


X2017(#5)  How much are the payments on these loans or mortgages?

           Code amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1;
                no loans on property: X2015^=1)


X2018(#5)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23. 13 times a year; every 4 weeks
           24. Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1;
                no loans on property: X2015^=1)

X8421(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1;
                no mortgages on remaining properites:  X8419^=1)

X8422(#5)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23.  13 times a year; every 4 weeks
           24.  Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1;
                no mortgages on remaining properites:  X8419^=1)


X2019(#5)  Did you receive any income in 1994 from renting out any of 
           these properties?

           Did you or your family living here receive any income in 1994 
           from renting out any of these properties?

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1)

X8423(#5)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1)


X2020(#5)  Altogether, how much gross income from these properties
           did you receive in 1994?

           Altogether, how much gross income from these properties
           did your family receive in 1994?

           Code amount
           -1.  Nothing
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; fewer than 4 properties:
                X1701<4; 4 properties and one vacation properties
                beyond 3rd property: X1701=4 and X2001=1;
                no income from property: X2019^=1)

X8424(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (No properties: X1700=5; no properties not owned
                by a business: X1701=-1; did not break off early in
                grid; no remaining properties among residual: X8415^=1;
                no income from remaining properties: X8423^=1)


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
BUSINESSES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X3101      DOES R OPERATE A FARM/RANCH BUSINESS ON THEIR PROPERTY?
           (Coded automatically by CAPI program: X503=1 implies YES,
           otherwise NO)

            1.  YES
            5.  NO


X3103      Now I would like to ask you about businesses you may own.  Do
           you own or share ownership in any privately-held businesses,
           farms, professional practices, limited partnerships or any
           other types of partnerships?  Do not include corporations with
           publicly-traded stock or any property partnerships that have
           already been recorded earlier.

           Now I would like to ask you about businesses you may own.  Do
           you and your family living here own or share ownership in any
           privately-held businesses, farms, professional practices,
           limited partnerships or any other types of partnerships?  Do
           not include corporations with publicly-traded stock or any
           property partnerships that have already been recorded earlier.

             1.  YES
             5.  NO
             (value set to YES when R reported having a farm business:
             X3101=YES)


-----------------------------------------------------------------------------
ACTIVELY MANAGED BUSINESSES
-----------------------------------------------------------------------------
X3104      Do you have an active management role in any of these
           businesses?

           Do you or anyone in your family living here have an active
           management role in any of these businesses?

           INTERVIEWER:  INCLUDE THE GENERAL PARTNERS IN A LIMITED
           PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.  IF R OWNS A
           HOLDING COMPANY OR MANAGED INVESTMENTS ACOUNTS, REPORT THE
           COMPONENTS SEPARATELY.

            1.  YES
            5.  NO
            0.  Inap.  (no businesses: X3103^=1)
            (value set to YES when R reported having a farm business:
            X3101=YES)


X3105      Including your (farm/ranch) business here, in how many
           (farms/ranches), privately-held businesses, professional
           practices, limited partnerships, or any other types of
           partnership do you own or share ownership in and have an
           active management role?  Do not include corporations with
           publicly-traded stock or any property partnerships that
           have already been recorded earlier.

           Including your (farm/ranch) business here, in how many
           (farms/ranches), privately-held businesses, professional
           practices, limited partnerships, or any other types of
           partnership do you or your family living here own or share
           ownership in and have an active management role?  Do not
           include corporations with publicly-traded stock or any
           property partnerships that have already been recorded
           earlier.

           INTERVIEWER:  INCLUDE THE GENERAL PARTNERS IN A LIMITED
           PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.  IF R OWNS A
           HOLDING COMPANY OR MANAGED INVESTMENTS ACCOUNTS, REPORT THE
           COMPONENTS SEPARATELY. 

           In how many businesses do you have an active management role?

           In how many businesses do you or anyone in your family
           living here have an active management role?

           Code number
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1)


           I will ask you first about your (farm/ranch) business.
           When we talk about the value of (farm/ranch) assets and
           liabilities here, we are referring to (farm/ranch)
           implements, livestock, crops, etc., and operating loans
           other than your mortgages.
           INTERVIEWER: DO NOT INCLUDE THE VALUE OF THE PROPERTIES
           AND LOANS ALREADY RECORDED.
           **********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 25
           **********************************************


X6689      Originally reported value of X3105 (see introduction)

           Code number
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1)
           **********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 25
           **********************************************


-----------------------------------------------------------------------------
#1 refers to first actively managed business
#2 refers to second actively managed business
#3 refers to third actively managed business
#4 refers to all remaining actively managed businesses
-----------------------------------------------------------------------------
X3107(#1)  What kind of business is it/the largest business/the next
X3207(#2)  business/that is, what does the business make of do?
X3307(#3)
            1.  Farm; nursery; train dogs; forest management;
                agricultural services; landscaping
            2.  Restaurant; bar
            3.  Auto repair; car wash
            4.  Direct sales:  Amway; Avon; Mary Kay; Tupperware;
                Stanley Home Products
            5.  Contracting; construction services; plastering;
                painting; plumbing
            6.  Real Estate; insurance
            7.  Professional practice, incl. law, medicine,
                architecture; accounting; bookkeeping
            8.  Beauty shop; barber shop
            9.  Manufacturing, incl. printing/publishing
           10.  Gas station
           11.  Food/liquor stores
           12.  Other retail and/or wholesale business (exc. 02, 04, 10, 11)
           13.  Trucking; moving and storage; warehousing
           14.  Repair services (exc. auto, 03)
           15.  Personal services; (exc. beauty shop, code 08) hotel,
                dry cleaners, etc.
           16.  Entertainment services, incl. movie house, dance studio, etc
           17.  Business management and consulting services
           18.  Other business services (exc. 17):  advertising,
                equipment rental, computer programming, auctioneering,
                pest control, industrial recycling
           19.  Banks and brokerage firms; mortage/finance company
           20.  Communications; cable tv or radio stations
           21.  Mining, extraction; oil, gas and water services
           22.  Art, crafts, related areas
           23.  Writing, training, speaking services
           24.  Transportation services (exc. 13), parking
           -7.  Other; incl. foreign-operated business
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)
           ******************************************************
             THE FOLLOWING NEW CATEGORIES HAVE CREATED FOR THE
             PUBLIC DATASET:
             IF (business type=1) THEN newcode=1;
             ELSE IF (business type=5 or 21) THEN newcode=2;
             ELSE IF (business type=9 or 22) THEN newcode=3;
             ELSE IF (business type=2, 4, 10, 11, or 12) THEN
               newcode=4;
             ELSE IF (business type=3, 6, 16, 18, or 19) THEN
                newcode=5;
             ELSE IF (business type=7, 8, 13, 14, 15, 17, 20,
               23, or 24) THEN newcode=6;
           ******************************************************


X3108(#1)  How did you first acquire this business; was it bought or
X3208(#2)  invested in, started by you, inherited, given to you, or what?
X3308(#3)
           How did you or your family living here first acquire this
           business; was it bought or invested in, started by you,
           inherited, given to you, or what?

            1.  BOUGHT/INVEST
            2.  STARTED
            3.  INHERITED
            4.  GIVEN
            5.  Joined/became partner/promotion
           -7.  OTHER
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)
           ******************************************************
              FOR THE PUBLIC DATASET, CODE 4 HAS BEEN COMBINED
              WITH CODE 3
           ******************************************************


X3110(#1)  In what year did you start the business?
X3210(#2)
X3310(#3)  In what year did you acquire the business?

           Code year (4 digits)
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3111(#1)  How many employees does it have including you?
X3211(#2)
X3311(#3)  How many employees does it have including you and members
           of your family?

           Code number
           -1.  None
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)
           *************************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5,000
           *************************************************


X3112(#1)  INTERVIEWER CHECKPOINT
X3212(#2)   1.  R LIVES ALONE
X3312(#3)   2.  ALL OTHERS
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


           Which members of your family living here work in or
           participate in the operation of the business?
           INTERVIEWER:  CODE ALL THAT APPLY
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X3113(#1)  RESPONDENT
X3213(#2)
X3313(#3)   1.  Checked
            5.  Not checked
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)

X3114(#1)  SPOUSE/PARTNER
X3214(#2)
X3314(#3)   1.  Checked
            5.  Not checked
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R lives alone: X101=1)

X3115(#1)  ADULT CHILD; child; child-in-law; grandchild
X3215(#2)
X3315(#3)   1.  Checked
            5.  Not checked
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R lives alone: X101=1)

X3116(#1)  OTHER ADULT IN HOUSEHOLD
X3216(#2)
X3316(#3)   1.  Checked
            5.  Not checked
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R lives alone: X101=1)

X3117(#1)  OTHER                          --> -7
X3217(#2)
X3317(#3)   1.  Checked
            5.  Not checked
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R lives alone: X101=1)


X3118(#1)  Other than you and your (spouse/partner), how many hours
X3218(#2)  does the other family member work in this business in a
X3318(#3)  normal week?

           Other than you and your (spouse/partner), how many hours
           does the most involved family member work in this business
           in a normal week?

           Other than you, how many hours does the other family member
           work in this business in a normal week?

           Other than you, how many hours does the most involved
           family member work in this business in a normal week?

           How many hours does the other family member work in this
           business in a normal week?

           How many hours does the most involved family member work in
           this business in a normal week?

           Code number of hours
           -1.  None
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R lives alone: X101=1; no one
                in PEU besides R/Spouse work in business: X3115^=1 and
                X3116^=1 and X3117^=1/X3215^=1 and X3216^=1 and
                X3217^=1/X3315^=1 and X3316^=1 and X3317^=1/)


X3119(#1)  Is it a partnership, a sole proprietorship, a subchapter S
X3219(#2)  corporation, another type of corporation, or what?
X3319(#3)
            1.  PARTNERSHIP
            2.  SOLE PROPRIETORSHIP
            3.  SUBCHAPTER S
            4.  OTHER CORPORATION (including C chapter corps)
            6.  Foreign business type
           11.  Limited partnership
           -7.  OTHER; not a formal business type
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)



X3120(#1)  These next few questions are about the relationship between
X3220(#2)  your personal finances and the finances of your business.
X3320(#3)
           These next few questions are about the relationship between
           your family's personal finances and the finances of your
           family's business.

           Are you using personal assets as collateral or did you have to
           cosign or guarantee any loans for this business?

           Are you or your family living here using personal assets as
           collateral or did you have to cosign or guarantee any loans
           for this business?

            1.  YES
            2.  NO
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X7144(#1)  Which of these did you do?  Collateralize a loan, guarantee
X7145(#2)  a loan, or both?
X7146(#3)
            1.  COLLATERALIZE
            2.  GUARANTEE
            3.  BOTH
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; did not guarantee or
                collateralize: X3120^=1/X33220^=1/X332-^=1)


X3121(#1)  How much is collateralized?
X3221(#2)
X3321(#3)  How much is guaranteed?

           How much is guaranteed or collateralized?

           Code amount
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; did not guarantee or
                collateralize: X3120^=1/X33220^=1/X332-^=1)


X3122(#1)  Did I record this earlier?
X3222(#2)
X3322(#3)   1.  YES
            4.  R reported YES, but no apparent match in data
            5.  NO
            6.  R reported YES, partially recorded earlier
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; did not guarantee or
                collateralize: X3120^=1/X33220^=1/X332-^=1)
           NOTE: where (X3122 X3222 X3322)=1, the amount of the loan
           is not edited out of the earlier location.  See model SAS
           code definition of net worth later in this codebook for one
           possible treatment.


X7551(#1)  Which loan was that?
X7550(#2)
X7549(#3)   1.  Credit Card
            2.  1st Mortgage
            3.  2nd Mortgage
            4.  Home Equity Loan
            5.  Line of Credit
            6.  Other Real Estate Loan
           13.  More than one mortgage on principal residence
           14.  Combination of line of credit and other real estate loan
           -7.  Other
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; did not guarantee or
                collateralize: X3120^=1/X33220^=1/X332-^=1; loan not
                reported earlier: X3122^=1/X3221^=1/X3321^=1)


X3123(#1)  Other than guarantees, does the business owe you any money?
X3223(#2)
X3323(#3)  Does the business owe you any money?

           Other than guarantees, does the business owe you or your
           family living here any money?

           Does the business owe you or your family living here any
           money?

            1.  YES
            5.  NO
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3124(#1)  How much is owed?
X3224(#2)
X3324(#3)  Code amount
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; business does not owe R any money:
                X3123^=1/X3223^=1/X3323^=1)


X3125(#1)  Do you owe the business any money?
X3225(#2)
X3325(#3)  Do you or your family living here owe the business any money?

            1.  YES
            5.  NO
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3126(#1)  How much do you owe?
X3226(#2)
X3326(#3)  Code amount
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R does not owe business any money:
                X3125^=1/X3225^=1/X3325^=1)


X3127(#1)  Did I record this earlier?
X3227(#2)
X3327(#3)   1.  YES
            4.  R reported YES, but no apparent match in data
            5.  NO
            6.  R reported YES, partially recorded earlier
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R does not owe business any money:
                X3125^=1/X3225^=1/X3325^=1)
            Note: this variable was extensively edited to verify
            amounts reported earlier


X7548(#1)  When was it mentioned?
X7547(#2)
X7546(#3)   1.  Credit Card
            2.  1st Mortgage
            3.  2nd Mortgage
            4.  Home Equity Loan
            5.  Line of Credit
            6.  Other Real Estate Loan
           13.  More than one mortgage on principal residence
           14.  Combination of line of credit and other real estate loan
           -7.  Other
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3; R does not owe business any money:
                X3125^=1/X3225^=1/X3325^=1; amount owed to business
                not reported earlier: X3127^=1/X3227^=1/X3327^=1)


X3128(#1)  What percentage of the business do you own?
X3228(#2)
X3328(#3)  What percentage of the business do you and your family 
           living here own?

           Code percent * 100
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3129(#1)  What is the net worth of this business?
X3229(#2)
X3329(#3)  What is the net worth of your share of this business?  
           What could you sell it for?

           Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3130(#1)  If you sold the business now, what would be the cost basis
X3230(#2)  for tax purposes of this share? (What was your original
X3330(#3)  investment)?

           Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3131(#1)  What were the gross receipts or gross sales of the business
X3231(#2)  as a whole in 1994?
X3331(#3)
           Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3132(#1)  What was the business's total net income before taxes in 1994?
X3232(#2)
X3332(#3)  Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1/fewer than 2 actively managed
                businesses: X3105<2/fewer than 3 actively managed
                businesses X3105<3)


X3335(#4)  For the remaining business you own and actively manage,
           what could you sell your share for? (What is your share
           worth?)

           For the remaining businesses you own and actively manage,
           what could you sell your share for? (What is your share
           worth?)

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

           For the remaining businesses you and your family living
           here own and actively manage, what could you sell your
           share for? (What is your share worth?)

           Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1; fewer than 2 actively managed
                businesses: fewer than 4 actively managed businesses:
                X3105<4)

X8425(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1; did not break off early in grid)


X3336(#4)  If you sold this business now, what would be the cost basis
           for tax purposes of your share? (What was your original
           investment?)

           If you sold these businesses now, what would be the cost
           basis for tax purposes of your share? (What was your
           original investment?)

           Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1; fewer than 2 actively managed
                businesses: fewer than 4 actively managed businesses:
                X3105<4)

X8426(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1; did not break off early in grid)


X3337(#4)  What was the total net income you received from this
           business in 1994?

           What was the total net income you received from these
           businesses in 1994?

           What was the total net income you and your family living here
           (received from this business in 1994?/received from these
           businesses in 1994?)

           Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1; fewer than 2 actively managed
                businesses: fewer than 4 actively managed businesses:
                X3105<4)

X8427(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no businesses: X3103^=1; no actively managed
                businesses: X3104^=1; did not break off early in grid)

-----------------------------------------------------------------------------
NON-ACTIVELY MANAGED BUSINESSES
-----------------------------------------------------------------------------
X3401      Do you own or have an interest in any other businesses or any
           type of partnership where you do not have an active management
           role?

           Do you or anyone in your family living here own or have an
           interest in any other businesses or any type of partnership
           where you do not have an active management role?

            1.  YES
            5.  NO
            0.  Inap.  (no businesses: X3103^=1)


X3402      How many of these businesses or partnerships do you own or
           share ownership in?

           How many of these businesses or partnerships do you and your
           family living here own or share ownership in?

           Code number
            0.  Inap. (no businesses: X3103^=1; no non-actively managed
                businesses: X3401^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 25
           *********************************************


-----------------------------------------------------------------------------
#1 refers to limited partnerships
#2 refers to other partnerships
#3 refers to subchapter S corporations
#4 refers to other types of corporations
#5 refers to sole proprietorships
#6 refers to all other non-actively managed businesses
-----------------------------------------------------------------------------
           Is it a sole-proprietorship, a limited partnership, another
           type of partnership, a Subchapter S corporation, another
           type of corporation, or what?

X3407(#1)  (I need to know what type of businesses these are.)
           Are any of them limited partnership?
X3411(#2)  Are any of them other partnership?
X3415(#3)  Are any of them subchapter S corporation?
X3419(#4)  Are any of them other corporation?
X3423(#5)  Are any of them sole proprietorship?
X3427(#6)  Are any of them some other kind of business?

            1.  YES
            5.  NO
            0.  Inap. (no businesses: X3103^=1; no non-actively managed
                businesses: X3401^=1)
       

           What could you sell your share for? (What is it worth?)

           What could you sell your family's share for? (What is it worth?)

X3408(#1)  What could you sell your share of all these Limited
           Partnerships for? (What is it worth?)

           What could you sell your family's share of all these
           Limited Partnerships for? (What is it worth?)

X3412(#2)  What could you sell your share of all these Other
           partnerships for? (What is it worth?)

           What could you sell your family's share of all these Other
           partnerships for? (What is it worth?)

X3416(#3)  What could you sell your share of all these Subchapter S
           Corporations for? (What is it worth?)

           What could you sell your family's share of all these
           Subchapter S Corporations for? (What is it worth?)

X3420(#4)  What could you sell your share of all these Other
           Corporations for? (What is it worth?)

           What could you sell your family's share of all these Other
           Corporations for? (What is it worth?)

X3424(#5)  What could you sell your share of all these Sole
           Proprietorships for? (What is it worth?)

           What could you sell your family's share of all these Sole
           Proprietorships for? (What is it worth?)

X3428(#6)  What could you sell your share of all these (other type)
           for? (What is it worth?)

           What could you sell your family's share of all these (other
           type) for? (What is it worth?)

            Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no non-actively managed
                businesses: X3401^=1; no non-actively managed
                businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/
                X3423^=1/X3427^=1)

X8452      Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no businesses: X3103^=1 no non-actively managed
                businesses: X3401^=1; did not break off early in grid)


           If you sold this business now, what would be the cost basis
           for tax purposes? (What was your original investment?)

X3409(#1)  If you sold these Limited Partnerships now, what would be
           the cost basis for tax purposes? (What was your original
           investment?)

X3413(#2)  If you sold these Other partnerships now, what would be the
           cost basis for tax purposes? (What was your original
           investment?)

X3417(#3)  If you sold these Subchapter S Corporations now, what would
           be the cost basis for tax purposes? (What was your original
           investment?)

X3421(#4)  If you sold these Other Corporations now, what would be the
           cost basis for tax purposes? (What was your original
           investment?)

X3425(#5)  If you sold these Sole Proprietorships now, what would be the
           cost basis for tax purposes? (What was your original
           investment?)

X3429(#6)  If you sold these (other type) now, what would be the
           cost basis for tax purposes? (What was your original
           investment?)

            Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no non-actively managed
                businesses: X3401^=1; no non-actively managed
                businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/
                X3423^=1/X3427^=1)

X8453      Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no businesses: X3103^=1 no non-actively managed
                businesses: X3401^=1; did not break off early in grid)


           What was the total net income you received from this
           business in 1994?

           What was the total net income you and your family living here
           received from this business in 1994?

X3410(#1)  What was the total net income you received from all such 
           Limited Partnerships in 1994?

           What was the total net income you and your family living here
           received from all such Limited Partnerships in 1994?

X3414(#2)  What was the total net income you received from all such 
           Other partnerships in 1994?

           What was the total net income you and your family living here
           received from all such Other partnerships in 1994?

X3418(#3)  What was the total net income you received from all such
           Subchapter S Corporations in 1994?

           What was the total net income you and your family living here
           received from all such Subchapter S Corporations in 1994?

X3422(#4)  What was the total net income you received from all such 
           Other Corporations in 1994?

           What was the total net income you and your family living here
           received from all such Other Corporations in 1994?

X3426(#5)  What was the total net income you received from all such 
           Sole Proprietorships in 1994?

           What was the total net income you and your family living here
           received from all such Sole Proprietorships in 1994?

X3430(#6)  What was the total net income you received from all such 
           (other type) in 1994?

           What was the total net income you and your family living here
           received from all such (other type) in 1994?

            Code amount
           -1.  Nothing
            0.  Inap. (no businesses: X3103^=1; no non-actively managed
                businesses: X3401^=1; no non-actively managed
                businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/
                X3423^=1/X3427^=1)

X8454      Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no businesses: X3103^=1 no non-actively managed
                businesses: X3401^=1; did not break off early in grid)


X7545      Were you ever involved in the active management of the
           businesses?

           Were you ever involved in the active management of the
           business?

           Were you or any of your family living here ever involved in
           the active management of the businesses?

           Were you or any of your family living here ever involved in
           the active management of the business?

            1.  Yes
            5.  No
            0.  Inap. (no businesses: X3103^=1; no non-actively managed
                businesses: X3401^=1)


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

-----------------------------------------------------------------------------
VEHICLES SUPPLIED BY A BUSINESS
-----------------------------------------------------------------------------
X2501      Now I'd like to get some information on your vehicles.
           Some people have cars or other vehicles provided to them by
           a business for personal and business use.  Do you have any
           such business vehicles?

           Now I'd like to get some information on your family's
           vehicles.  Some people have cars or other vehicles provided
           to them by a business for personal and business use.  Do
           you or anyone in your family have any such business vehicles?

            1.  YES
            5.  NO


X2502      How many such vehicles do you regularly use?

           How many such vehicles do you or someone in your family
           living here regularly use?

           Code number
            0.  Inap. (no vehicles supplied by a business: X2501^=1)


X7149      Does the business lease this vehicle?

           Does the business lease any of these vehicles?

            1.  YES
            5.  NO
            0.  Inap. (no vehicles supplied by a business: X2501^=1)


-----------------------------------------------------------------------------
LEASED VEHICLES
-----------------------------------------------------------------------------
X2101      Other than any vehicles provided by a business...

           Are you currently leasing any cars or other vehicles?

           Are you or anyone in your family living here currently
           leasing any cars or other vehicles?

            1.  YES
            5.  NO


X2102      Not counting vehicles leased by a business, how many cars
           or other vehicles do you lease?

           Not counting vehicles leased by a business, how many cars
           or other vehicles do you and your family living here lease?

           Code number
            0.  Inap. (no personally leased vehicles: X2101^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 3
           ********************************************

X6690      Originally reported value of X2101 (see introduction)

           Code number
            0.  Inap. (no personally leased vehicles: X2101^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 3
           ********************************************


-----------------------------------------------------------------------------
#1 refers to first personally leased vehicle
#2 refers to second personally leased vehicle
#3 refers to all other personally leased vehicles
-----------------------------------------------------------------------------
X2103(#1)  What make and model is this vehicle?
X2110(#2)
           What make and model is the newest vehicle?

           What make and model is the next vehicle?

           Code make and model
            0.  Inap. (no personally leased vehicles: X2101^=1/fewer
                than 2 leased vehicles: X2101<2)
           *******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           *******************************************


X2104(#1)  What model year is it?
X2111(#2)
           Code year (4 digits)
            0.  Inap. (no personally leased vehicles: X2101^=1/fewer
                than 2 leased vehicles: X2101<2)
           **************************************************
              FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1975
           **************************************************


X8163(#1)  Recode: prevailing retail VALUE OF VEHICLE as of fall 1995
X8164(#2)  according to industry guidebook

           Code value
            0.  Inap. (no personally leased vehicles: X2101^=1/fewer
                than 2 leased vehicles: X2101<2)


X2105(#1)  How much are your lease payments?
X2112(#2)
           Code amount
           -1.  Nothing
           -2.  No regular payments
            0.  Inap. (no personally leased vehicles: X2101^=1/fewer
                than 2 leased vehicles: X2101<2)

X2106(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X2113(#2)  And how often are they due?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23.  13 times a year; every 4 weeks
           24.  Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (no personally leased vehicles: X2101^=1/fewer
                than 2 leased vehicles: X2101<2)


           How many years or months was the original lease?

X2107(#1)  Code number of years
X2114(#2)  0.  Inap. (no personally leased vehicles: X2101^=1/fewer
               than 2 leased vehicles: X2101<2; answer given in months:
               X2108^=0)

X2108(#1)  Code number of months
X2115(#2)   0.  Inap. (no personally leased vehicles: X2101^=1/fewer
                than 2 leased vehicles: X2101<2; answer given in years:
                X2107^=0)


X2117(#3)  Altogether, about how much are the lease payments on your
           other leased vehicles?

           Altogether, about how much are the lease payments on your
           other leased vehicle?

           Code amount
           -1.  Nothing
           -2.  No regular payments
            0.  Inap. (no personally leased vehicles: X2101^=1; fewer
                than 3 leased vehicles: X2101<3)

X2118(#3)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23.  13 times a year; every 4 weeks
           24.  Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (no personally leased vehicles: X2101^=1; fewer
                than 3 leased vehicles: X2101<3)

X8428(#3)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no personally leased vehicles: X2101^=1;
                did not break off early in grid)

X8429(#3)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           23.  13 times a year; every 4 weeks
           24.  Every 6 weeks
           22.  Varies
           -1.  NO PAYMENT
           -2.  NO REGULAR PAYMENTS
           -7.  Other
            0.  Inap. (no personally leased vehicles: X2101^=1;
                did not break off early in grid)


-----------------------------------------------------------------------------
OWNED CARS, TRUCKS, VANS, AND SPORT UTILITY VEHICLES
-----------------------------------------------------------------------------
X2201      Do you own any cars, or any kind of truck, van or jeep-type
           vehicle?

           Do you or anyone in your family here own any cars, or any
           kind of truck, van or jeep-type vehicle?

           Do not include motorcyles, tractors, snow blowers, etc.,
           or any vehicles owned by a business.

            1.  YES
            5.  NO


X2202      Altogether, how many such cars or vehicles do you own?

           Altogether, how many such cars or vehicles do you and your
           family living here own?

           Code number
            0.  Inap. (no owned cars etc.: X2201^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************


X6691      Originally reported value of X2202 (see introduction)

           Code number
            0.  Inap. (no owned cars etc.: X2201^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************


-----------------------------------------------------------------------------
#1 refers to first personally owned car
#2 refers to second personally owned car
#3 refers to third personally owned car
#4 refers to fourth personally owned car
#5 refers to all other personally owned cars
-----------------------------------------------------------------------------
X2203(#1)  What type of vehicle is it?
X2303(#2)
X2403(#3)  What type of vehicle is the newest one?
X7150(#4)
           What type of vehicle is the next one?

           INTERVIEWER:  PROBE IF NECESSARY.
           Is it a car, a van or minivan, a jeep or sport-utility
           vehicle, a pickup, or what?

            1.  Car
            2.  Van/minivan
            3.  Jeep/sport-utility vehicle
            4.  Pickup
            5.  Antique/classic/collector vehicle
            6.  Truck (except pickup)
           -7.  Other
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)
           ********************************************************
              FOR THE PUBLIC DATASET, CODES 5 AND 6 ARE COMBINED
              WITH -7
           ********************************************************


X2204(#1)  What make and model is it?
X2304(#2)
X2404(#3)  Code make and model
X7151(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)
           *******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           *******************************************


X2205(#1)  What model year is it?
X2305(#2)
X2405(#3)  Code year (4 digits)
X7152(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)
           **************************************************
              FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1975
           **************************************************


X8166(#1)  Recode: prevailing retail VALUE OF VEHICLE as of fall 1995
X8167(#2)  according to industry guidebook
X8168(#3)
X8188(#4)  Code value
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)


X7543(#1)  Did you buy it new or used?
X7542(#2)
X7541(#3)   1.  New
X7153(#4)   2.  Used
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)


X7540(#1)  In what year did you buy it?
X7539(#2)
X7538(#3)  Code year (4 digits)
X7154(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; did not buy car used: X7543^=1/X7542^=1/X7541^=1/
                X7153^=1)
           **************************************************
              FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1975
           **************************************************


X2206(#1)  Not counting any loans I've already recorded, is any money
X2306(#2)  still owed on loans for this (make and model)?
X2406(#3)
X7155(#4)   1.  YES
            5.  NO
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)


           In what month and year was the loan taken out?

X2207(#1)  Code month
X2307(#2)   1.  January
X2407(#3)   2.  February
X7156(#4)   3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X2208(#1)  Code year (4 digits)
X2308(#2)
X2408(#3)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
X7157(#4)       X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1)


X2209(#1)  How much was borrowed or financed?
X2309(#2)
X2409(#3)  Code amount
X7158(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1)


X2210(#1)  Is this a regular installment loan where you pay a fixed
X2310(#2)  dollar amount each month for a fixed number of months until
X2410(#4)  the loan is repaid, or some other kind?
X7159(#4)
            1.  Regular Installment
            2.  Other Kind
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1)


           How many monthly payments or years were agreed upon when
           the loan was received?

X2212(#1)  Code number of years
X2312(#2)  -1.  No set number of years
X2412(#3)  -7.  Unable to calculate from number of payments
X7161(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; not a regular loan: X2210^=1/X2310^=1/
                X2410^=1/X7159^=1)

X2211(#1)  Code number of payments
X2311(#2)  -1.  No set number of payments
X2411(#3)  -7.  Unable to calculate from number of years
X7160(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; not a regular loan: X2210^=1/X2310^=1/
                X2410^=1/X7159^=1)


X9162(#1)  Recode: term of loan in months
X9163(#2)  -1.  No set number of years/payments
X9164(#3)  -7.  Unable to calculate from number of years/payments
X9179(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; not a regular loan: X2210^=1/X2310^=1/
                X2410^=1/X7159^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2213(#1)  How much are the payments?
X2313(#2)
X2413(#3)  Code amount
X7162(#4)  -1.  Nothing
           -2.  No regular payment
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; not a regular loan: X2210^=1/X2310^=1/
                X2410^=1/X7159^=1; no set number of payments: X2212=-1/
                X2312=-1/X2412=-1/X7161=-1)

X7537(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X7536(#2)  And how often are they made?
X7535(#3)
X7163(#4)  Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; not a regular loan: X2210^=1/X2310^=1/
                X2410^=1/X7159^=1; no set number of payments: X2212=-1/
                X2312=-1/X2412=-1/X7161=-1)


X2214(#1)  What is the typical payment?
X2314(#2)
X2414(#3)  Code amount
X7164(#4)  -1.  Nothing
           -2.  No typical payment
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; regular loan and regular payments: X2210=1
                and X2213>0/X2310=1 and X2313>0/X2410=1 and X2413>0/
                X7159=1 and X7162>0)

X2215(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X2315(#2)  And how often is it made?
X2415(#3)
X7165(#4)  Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; regular loan and regular payments: X2210=1
                and X2213>0/X2310=1 and X2313>0/X2410=1 and X2413>0/
                X7159=1 and X7162>0)


X7534(#1)  Is this loan being paid off ahead of schedule, behind
X7533(#2)  schedule, or are the payments about on schedule?
X7532(#3)
X7166(#4)   1.  On schedule
            2.  Ahead of schedule
            3.  Behind schedule
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; not a regular loan: X2210^=1/X2310^=1/
                X2410^=1/X2410^=1/X7159^=1; no regular payment:
                X2213<=0/X2313<=0/X2413<=0/X7161<=0)


           In what month and year do you expect this loan to be repaid?

X2216(#1)  Code month
X2316(#2)   1.  January
X2416(#3)   2.  February
X7167(#4)   3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; payments on schedule: X7534=1/X7533=1/X75323=1/
                X7166=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2217(#1)  Code year (4 digit)
X2317(#2)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
X2417(#3)       X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
X7168(#3)       X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1; payments on schedule: X7534=1/X7533=1/X75323=1/
                X7166=1)


X2218(#1)  How much is still owed on this loan?
X2318(#2)
X2418(#3)  Code amount
X7169(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/
                X7155^=1)


X2219(#1)  What is the current annual rate of interest being charged
X2319(#2)  on this loan?
X2419(#3)
X7170(#4)  Code percent * 100
           -1.  Nothing
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)


X2220(#1)  Please look at the Institutions Card.  Is the loan with any
X2320(#2)  of the institutions on the Institutions Card, or from
X2420(#3)  someplace else?  (IF INSTITUTIONS CARD: Which institution?)
X7171(#4)  (IF SOMEPLACE ELSE: What type of institution is that?)
           (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW
           INSTITUTION IS MENTIONED AT THIS POINT.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)

X9102(#1)  Recode: type of institution
X9103(#2)
X9104(#3)   See MASTER INSTITIUTION LIST for other codes (See X308)
X9215(#4)   0.  Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars:
                X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars:
                X2202<4)


X2422(#5)  How much are all the other such vehicles that you own worth
           in today's prices?

           How much is the other such vehicle that you own worth in
           today's prices?

           How much are all the other such vehicles that you and
           others in your family living here own worth in today's
           prices?

           How much is the other such vehicle that you and others in
           your family living here own worth in today's prices?

           Code value
            0.  Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:
                X2202<5);

X8430(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no owned cars etc.: X2201^=1; did not
                break off early in grid)


X2423(#5)  Not counting loans I have already recorded, is any money
           still owed on loans for these vehicles?

           Not counting loans I have already recorded, is any money
           still owed on a loan for this vehicle?

            1.  YES
            5.  NO
            0.  Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:
                X2202<5);

X8431(#5)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap. (no owned cars etc.: X2201^=1; did not
                break off early in grid)


X2424(#5)  Altogether, about how much is still owed on these loans?

           Altogether, about how much is still owed on this loan?

           Code amount
            0.  Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:
                X2202<5; no loan on car: X2423^=1);

X8432(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no owned cars etc.: X2201^=1; did not
                break off early in grid; no money owned on residual
                vehicles: X8430^=1)


X2425(#5)  How much are the total payments on these loans?

           How much are the total payments on this loan?

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:
                X2202<5; no loan on car: X2423^=1);

X2426(#5)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars:
                X2202<5; no loan on car: X2423^=1);

X8433(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no owned cars etc.: X2201^=1; did not
                break off early in grid; no money owned on residual
                vehicles: X8430^=1)

X8434(#5)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no owned cars etc.: X2201^=1; did not
                break off early in grid; no money owned on residual
                vehicles: X8430^=1)


-----------------------------------------------------------------------------
OTHER OWNED VEHICLES
-----------------------------------------------------------------------------
X2503      Do you own any other vehicles such as a motorhome, RV,
           motorcycle, boat, or airplane?

           Do you or anyone in your family living here own any other
           vehicles such as a motorhome, RV, motorcycle, boat, or
           airplane?

           INTERVIEWER:  DO NOT INCLUDE TRACTORS AND LAWN MOWERS

             1.  YES
             5.  NO


X2504      Altogether, how many of these other vehicles do you own?

           Altogether, how many of these other vehicles do you or
           someone in your family living here own?

           Code number
            0.  Inap.  (no other vehicles: X2503^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************


X6692      Originally reported value of X2504 (see introduction)

           Code number
            0.  Inap.  (no other vehicles: X2503^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************


-----------------------------------------------------------------------------
#1 refers to first other owned vehicle
#2 refers to second other owned vehicle
#3 refers to third other owned vehicle
#4 refers to all remaining other owned vehicle
-----------------------------------------------------------------------------
X2505(#1)  What type of vehicle is it?
X2605(#2)
           What type of vehicle is the newest one?

           What type of vehicle is the next one?

           INTERVIEWER:  PROBE IF NECESSARY.
           Is it a motorhome, RV, airplane, boat, or what?

            1.  Motorhome
            2.  RV
            3.  Airplane; helicopter
            4.  Boat
            9.  Tractor
           11.  Motorcycle; motor scooter
           12.  Snowmobile
           13.  Golf cart
           14.  Non-automobile off-road vehicle
           15.  Miscellaneous construction vehicle
           -7.  Other
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3)
           ******************************************************
              FOR THE PUBLIC DATASET, CODE 2 HAS BEEN COMBINED
              WITH CODE 1; CODE 4 HAS BEEN COMBINED WITH CODE
              3; CODE 9 HAS BEEN COMBINED WITH CODE 15; CODE
              13 HAS BEEN COMBINED WITH CODE 12.
           ******************************************************


X2506(#1)  About how much is this (vehicle type) worth?
X2606(#2)
           About how much is this vehicle worth?

           Code amount
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3)


X2507(#1)  Not counting any loans that I have already recorded, is any
X2607(#2)  money still

           owed on loans for this (vehicle type)?

           owed on loans for this vehicle?

            1.  YES
            5.  NO
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3)

           In what month and year was the loan taken out?

X2508(#1)  Code month
X2608(#2)   1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2509(#1)  Code year (4 digits)
X2609(#2)   0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)


X2510(#1)  How much was borrowed or financed, not  counting the
X2610(#2)  finance charges?
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)


X2511(#1)  Is this a regular installment loan where you pay a fixed
X2611(#2)  dollar amount each month for a fixed number of months until
           the loan is repaid, or some other kind?

            1.  Regular Installment
            2.  Other Kind
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)


           How many monthly payments or years were agreed upon when
           the loan was received?

X2513(#1)  Code number of years
X2613(#2)  -1.  No set number of years
           -7.  Unable to calculate from number of payments
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; not a regular
                loan: X2511^=1/X2611^=1)

X2512(#1)  Code number of payments
X2612(#2)  -1.  No set number of payments
           -7.  Unable to calculate from number of years
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; not a regular
                loan: X2511^=1/X2611^=1)

X9165(#1)   Recode: term of loan in months
X9166(#2)   -1.  No set number of years/payments
           -7.  Unable to calculate from number of years/payments
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; not a regular
                loan: X2511^=1/X2611^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2514(#1)  How much are the payments?
X2614(#2)
           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; not a regular
                loan: X2511^=1/X2611^=1; no set number of payments:
                X2512=-1/X2612=-1)

X7531(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X7530(#2)  And how often are they due?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; not a regular
                loan: X2511^=1/X2611^=1; no set number of payments:
                X2512=-1/X2612=-1)


X2515(#1)  What is the typical payment?
X2615(#2)
           Code amount
           -1.  Nothing
           -2.  No typical payment
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; regular loan and
                regular payments: X2511=1 and X2514>0/X2611=1 and
                X2614>0)

X2516(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X2616(#2)  And how often is it made?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; regular loan and
                regular payments: X2511=1 and X2514>0/X2611=1 and
                X2614>0)


X7529(#1)  Is this loan being paid off ahead of schedule, behind
X7528(#2)  schedule, or are the payments about on schedule?
            1.  On schedule
            2.  Ahead of schedule
            3.  Behind schedule
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; not a regular
                loan: X2511^=1/X2611^=1; no regular payment:
                X2514<=0/X2614<=0)


           In what month and year do you expect this loan to be repaid?

X2517(#1)  Code month
X2617(#2)   1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; payments on
                schedule: X7529=1/X7528=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2518(#1)  Code year
X2618(#2)   0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1; payments on
                schedule: X7529=1/X7528=1)


X2519(#1)  How much is still owed on this loan?
X2619(#2)
           Code amount
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)


X2520(#1)  What is the current annual rate of interest being charged
X2620(#2)  on this loan?
           -1.  Nothing
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)


X2521(#1)  Please look at the Institutions Card.  Is the loan with any
X2621(#2)  of the institutions on the Institutions Card, or from
           someplace else?   (IF INSTITUTIONS CARD: 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)

X9105(#1)  Recode: type of institution
X9106(#2)
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap.  (no other vehicles: X2503^=1/fewer than 2 other
                vehicles: X2504<2/fewer than 3 other vehicles: X2404<3;
                no loan on vehicle: X2507^=1/X2607^=1)


X2623(#3)  How much are all the other such vehicles that you own worth?

           How much is the other such vehicle that you own worth?

           How much are all the other such vehicles that you and
           others in your family living here own worth?

           How much is the other such vehicle that you and others in
           your family living here own worth?

           Code amount
            0.  Inap.  (no other vehicles: X2503^=1; fewer than 3 other
                vehicles: X2504<2)

X8435(#3) Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap.  (no other vehicles: X2503^=1; did not
                break off early in grid)


X2624(#3)  Not counting loans I have already recorded, is any money
           still owed on loans for these vehicles?

           Not counting loans I have already recorded, is any money
           still owed on loans for this vehicle?

            1.  YES
            5.  NO
            0.  Inap.  (no other vehicles: X2503^=1; fewer than 3 other
                vehicles: X2504<2)

X8436(#3)  Original value for Rs who did not provide complete
           information within the grid structure (see introduction)

            1.  YES
            5.  NO
            0.  Inap.  (no other vehicles: X2503^=1; did not
                break off early in grid)


X2625(#3)  Altogether, about how much is still owed on these loans?

           Altogether, about how much is still owed on this loan?

           Code amount
            0.  Inap.  (no other vehicles: X2503^=1; fewer than 3 other
                vehicles: X2504<2; no money owed on vehicle: X2624^=1)

X8437(#3) Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap.  (no other vehicles: X2503^=1; did not
                break off early in grid; no loans on residual
                vehicles: X8436^=1)


X2626(#3)  How much are the total payments on these loans?

           How much are the total payments on this loan?

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap.  (no other vehicles: X2503^=1; fewer than 3 other
                vehicles: X2504<2; no money owed on vehicle: X2624^=1)

X2627(#3)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap.  (no other vehicles: X2503^=1; fewer than 3 other
                vehicles: X2504<2; no money owed on vehicle: X2624^=1)

X8438(#3)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap.  (no other vehicles: X2503^=1; did not
                break off early in grid; no loans on residual
                vehicles: X8436^=1)

X8439(#3)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap.  (no other vehicles: X2503^=1; fewer than 3 other
                vehicles: X2504<2; no money owed on vehicle: X2624^=1)


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
EDUCATION LOANS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X7801      Not counting credit cards or loans you may have told me
           about in detail, do you owe any money or have any loans for
           educational expenses?

           Not counting credit cards or loans you may have told me
           about in detail, do you and your family living here owe any
           money or have any loans for educational expenses?

            1.  YES
            5.  NO


X7802      How many such loans are there?

           Code number
            0.  Inap. (no education loans: X7801^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 7
           ********************************************

X6693      Originally reported value of X7802 (see introduction)

           Code number
            0.  Inap. (no education loans: X7801^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 7
           ********************************************


-----------------------------------------------------------------------------
#1 refers to first education loan
#2 refers to second education loan
#3 refers to third education
#4 refers to fourth education
#5 refers to fifth education
#6 refers to sixth education
#7 refers to all remaining education loans
-----------------------------------------------------------------------------
           In what month and year was this loan taken out?
       
           About the largest loan, in what month and year was
           this loan taken out?

           About the next loan, in what month and year was
           this loan taken out?

X7803(#1)  Code month
X7826(#2)   1.  January
X7849(#3)   2.  February
X7903(#4)   3.  March
X7926(#5)   4.  April
X7949(#6)   5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X7804(#1)  Code year (4 digits)
X7827(#2)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7850(#3)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X7904(#4)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
X7927(#5)       X7802<6)
X7950(#6)


X7805(#1)  How much was borrowed or financed, not counting the finance
X7828(#2)  charges?
X7851(#3)
X7905(#4)  Code amount
X7928(#5)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7951(#6)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6)


X7806(#1)  Are you paying on this loan now?
X7829(#2)
X7852(#3)   1.  YES
X7906(#4)   5.  NO
X7929(#5)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7952(#6)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6)


X7173(#1)  Are the payments on this loan deferred?
X7174(#2)
X7175(#3)   1.  YES
X7176(#4)   5.  NO
X7177(#5)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7178(#6)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/
                X7806^=5;/X7929^=5/X7952^=5)

           When will you start paying on this loan?

X7807(#1)  Code month
X7830(#2)   1.  January
X7853(#3)   2.  February
X7907(#4)   3.  March
X7930(#5)   4.  April
X7953(#6)   5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/
                X7806^=5;/X7929^=5/X7952^=5; payments not deferred:
                X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X7808(#1)  Code year (4 digits)
X7831(#2)   0.  Inap.
X7854(#3)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7908(#4)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X7931(#5)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
X7954(#6)       X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/
                X7806^=5;/X7929^=5/X7952^=5; payments not deferred:
                X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1)


X7809(#1)  Is this loan accumulating interest which you will have to
X7832(#2)  pay?
X7855(#3)
X7909(#4)   1.  YES
X7932(#5)   5.  NO
X7955(#6)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/
                X7806^=5;/X7929^=5/X7952^=5; payments not deferred:
                X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1)


           When did you start paying on this loan?

X7810(#1)  Code month
X7833(#2)   1.  January
X7856(#3)   2.  February
X7910(#4)   3.  March
X7933(#5)   4.  April
X7956(#6)   5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X7811(#1)  Code year
X7834(#2)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7857(#3)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X7911(#4)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
X7934(#5)       X7802<6; not paying on loan now and payments deferred:
X7957(#6)       X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1)


X7812(#1)  Is this a regular installment loan where you pay a fixed
X7835(#2)  dollar amount each month for a fixed number of months until
X7858(#3)  the loan is repaid,or some other kind?
X7912(#4)
X7935(#5)   1.  Regular Installment
X7958(#6)   2   Other Kind
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1)


           How many monthly payments or years were agreed upon when
           the loan was received?

X7813(#1)  Code number of years
X7836(#2)  -1.  No set number of years
X7859(#3)  -7.  Unable to calculate from number of payments
X7913(#4)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7936(#5)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X7959(#6)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/
                X7935^=1/X7958^=1);

X7814(#1)  Code number of payments
X7837(#2)  -1.  No set number of payments
X7860(#3)  -7.  Unable to calculate from number of years
X7914(#4)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7937(#5)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X7960(#6)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/
                X7935^=1/X7958^=1);

X9173(#1)  Recode: term of loan in months
X9174(#2)  -1.  No set number of years/payments
X9175(#3)  -7.  Unable to calculate from number of years/payments
X9176(#4)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X9177(#5)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X9178(#6)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/
                X7935^=1/X7958^=1);
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X7815(#1)  How much are the payments?
X7838(#2)
X7861(#3)  Code amount
X7915(#4)  -1.  Nothing
X7938(#5)  -2.  No regular payment
X7961(#6)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/
                X7935^=1/X7958^=1; no set number of payments: X7813=-1/
                X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1)

X7816(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X7839(#2)  And how often are they made?
X7862(#3)
X7916(#4)  Code frequency
X7939(#5)   2.  Week
X7962(#6)   3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/
                X7935^=1/X7958^=1; no set number of payments: X7813=-1/
                X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1)


X7817(#1)  What is the typical payment?
X7840(#2)
X7863(#3)  Code amount
X7917(#4)  -1.  Nothing
X7940(#5)  -2.  No typical payment
X7963(#6)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                regular loan and regular payments: X7812=1 and X7815>0/
                X7835=1 and X7838>0/X7858=1 and X7861>0/ X7912=1 and
                X7915>0/X7935=1 and X7938>0/X7958=1 and X7961>0)

X7818(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X7841(#2)  And how often is it made?
X7864(#3)
X7918(#4)  Code frequency
X7941(#5)   2.  Week
X7964(#6)   3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                regular loan and regular payments: X7812=1 and X7815>0/
                X7835=1 and X7838>0/X7858=1 and X7861>0/ X7912=1 and
                X7915>0/X7935=1 and X7938>0/X7958=1 and X7961>0)


X7821(#1)  Is this loan being paid off ahead of schedule, behind
X7844(#2)  schedule, or are the payments about on schedule?
X7867(#3)
X7921(#4)   1.  On schedule
X7944(#5)   2.  Ahead of schedule
X7967(#6)   3.  Behind schedule
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/
                X7935^=1/X7958^=1; no set number of payments: X7813=-1/
                X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1)



           In what month and year do you expect this loan to be repaid?

X7819(#1)  Code month
X7842(#2)   1.  January
X7865(#3)   2.  February
X7919(#4)   3.  March
X7942(#5)   4.  April
X7965(#6)   5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                payments on schedule: X7821=1/X7844=1/X7867=1/X7921=1/
                X7944=1/X7967=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X7820(#1)  Code year (4 digit)
X7843(#2)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7866(#3)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X7920(#4)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
X7943(#5)       X7802<6; not paying on loan now and payments deferred:
X7966(#6)       X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                payments on schedule: X7821=1/X7844=1/X7867=1/X7921=1/
                X7944=1/X7967=1)


X7822(#1)  What is the current annual rate of interest being charged
X7845(#2)  on this loan?
X7868(#3)
X7922(#4)  Code percent * 100
X7945(#5)  -1.  Nothing
X7968(#6)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6; not paying on loan now and payments deferred:
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/
                X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1;
                interest not accumulating: X7809=5/X7832=5/X7855=5/
                X7909=5/X7932=5/X7955=5)


X7823(#1)  Please look at the Institutions Card.  Is the loan with any
X7846(#2)  of the institutions on the Institutions Card, or from
X7869(#3)  someplace else?  (IF INSTITUTIONS CARD: Which institution?)
X7923(#4)  (IF SOMEPLACE ELSE: What type of institution is that?)
X7946(#5)  (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW
X7969(#6)  INSTITUTION IS MENTIONED AT THIS POINT.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no education loans: X7801^=1/less than 2 loans;
                X7802<2/less than 3 loans: X7802<3/less than 4 loans:
                X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6)

X9203(#1)  Recode: type of institution
X9204(#2)
X9205(#3)   See MASTER INSTITIUTION LIST for other codes (See X308)
X9206(#4)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X9207(#5)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X9208(#6)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6)


X7824(#1)  How much is still owed on this loan?
X7847(#2)
X7870(#3)  Code amount
X7924(#4)   0.  Inap. (no education loans: X7801^=1/less than 2 loans;
X7947(#5)       X7802<2/less than 3 loans: X7802<3/less than 4 loans:
X7970(#6)       X7802<4/less than 5 loans: X7802<5/less than 6 loans:
                X7802<6)


X7179(#7)  How much in total is owed on all the remaining loans?

           Code amount
            0.  Inap. (no education loans: X7801^=1; less than 7 loans)

X8440(#7)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no education loans: X7801^=1; did not break off
                early in grid)


X7180(#7)  How much in total are all the payments you are making on
           all the remaining loans?

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap. (no education loans: X7801^=1; less than 7 loans)

X7181(#7)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no education loans: X7801^=1; less than 7 loans)

X8441(#7)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap. (no education loans: X7801^=1; did not break off
                early in grid)

X8442(#7)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no education loans: X7801^=1; did not break off
                early in grid)


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
OTHER CONSUMER LOANS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X7182      Now I want to ask you about the loans you have.  Not
           counting credit cards or loans you have told me about in
           detail, do you owe any money or have any loans for any
           reason on this card (SHOW CARD 6)?  These are loans for
           household appliances, furniture, hobby or recreational
           equipment, medical bills, loans from friends or relatives
           or other loans.

           Now I want to ask you about the loans you and anyone in
           your family living here have.  Not counting credit cards or
           loans you have told me about in detail, do you or anyone in
           your family living here owe any money or have any loans for
           any reason on this card (SHOW CARD 6)?  These are loans for
           household appliances, furniture, hobby or recreational
           equipment, medical bills, loans from friends or relatives
           or other loans. 

           (DO NOT INCLUDE GIFTS FROM FAMILY MEMBERS YOU ARE NOT
           EXPECTED TO RE-PAY)

            1.  YES
            5.  NO

           NOTE: CARD 6 contains the following text in a vertical
           column: "Loans for household applicances, furniture,"
           "Loans for hobby or recreational equipment," "Loans for
           medical bills," "Loans from friends or relatives," "Other
          loans or money owed."


X2709      How many such loans do you have?

           Code number
            0.  Inap. (no such loans: X7182=5)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 7
           ********************************************

X6694      Originally reported value of X2709 (see introduction)

           Code number
            0.  Inap. (no such loans: X7182=5)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 7
           ********************************************


-----------------------------------------------------------------------------
#1 refers to first consumer loan
#2 refers to second consumer loan
#3 refers to third consumer loan
#4 refers to fourth consumer loan
#5 refers to fifth consumer loan
#6 refers to sixth consumer loan
#7 refers to all remaining consumer loans
-----------------------------------------------------------------------------
X2710(#1)  What was the loan for?
X2727(#2)
X2810(#3)  What was the largest loan for?
X2827(#4)
X2910(#5)  What was the next loan for?
X2927(#6)
           See LOAN PURPOSE MASTER CODE LIST at X6723
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)


           In what month and year was this loan taken out?

X2712(#1)  Code month
X2729(#2)   1.  January
X2812(#3)   2.  February
X2829(#4)   3.  March
X2912(#5)   4.  April
X2929(#6)   5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2713(#1)  Code year (4 digits)
X2730(#2)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X2813(#3)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/
X2830(#4)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)
X2913(#5)
X2930(#6)


X2714(#1)  How much was borrowed or financed, not  counting the
X2731(#2)  finance charges?
X2814(#3)
X2831(#4)  Code amount
X2914(#5)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X2931(#6)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)


X2715(#1)  Is this a regular installment loan where you pay a fixed
X2732(#2)  dollar amount each month for a fixed number of months until
X2815(#3)  the loan is repaid, or some other kind?
X2832(#4)
X2915(#5)   1.  Regular Installment
X2932(#6)   2.  Other Kind
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)


           How many monthly payments or years were agreed upon when
           the loan was received?

X2717(#1)  Code number of years
X2734(#2)  -1.  No set number of years
X2817(#3)  -7.  Unable to calculate from number of payments
X2834(#4)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X2917(#5)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/
X2934(#6)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;
                not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/
                X2915^=1/X2932^=1)


X2716(#1)  Code number of payments
X2733(#2)  -1.  No set number of payments
X2816(#3)  -7.  Unable to calculate from number of years
X2833(#4)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X2916(#5)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/
X2933(#6)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;
                not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/
                X2915^=1/X2932^=1)

X9167(#1)  Recode: term of loan in months
X9168(#2)  -1.  No set number of years/payments
X9169(#3)  -7.  Unable to calculate from number of years/payments
X9170(#4)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/    
X9171(#5)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
X9172(#6)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;      
                not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/
                X2915^=1/X2932^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2718(#1)  How much are the payments?
X2735(#2)
X2818(#3)  Code amount
X2835(#4)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/    
X2918(#5)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
X2935(#6)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;      
                not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/
                X2915^=1/X2932^=1; no set number of payments: X2717=-1/
                X2734=-1/X2817=-1/X2834=-1/X2917=-1/X2934=-1)


X7527(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X7526(#2)  And how often are they due?
X7525(#3)
X7524(#4)  Code frequency
X7523(#5)   2.  Week
X7522(#6)   3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/    
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;      
                not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/
                X2915^=1/X2932^=1; no set number of payments: X2717=-1/
                X2734=-1/X2817=-1/X2834=-1/X2917=-1/X2934=-1)


X2719(#1)  What is the typical payment?
X2736(#2)
X2819(#3)  Code amount
X2836(#4)  -1.  Nothing
X2919(#5)  -2.  No typical payment
X2936(#6)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/    
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;      
                regular loan and regular payments: X2715=1 and X2718>0/
                X2732=1 and X2735>0/X2815=1 and X2818>0/X2832=1 and
                X2835>0/X2915=1 and X2918>0/X2932=1 and X2935>0)

X2720(#2)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X2737(#2)  And how often is it made?
X2820(#3)
X2837(#4)  Code frequency
X2920(#5)   2.  Week
X2937(#6)   3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/    
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;      
                regular loan and regular payments: X2715=1 and X2718>0/
                X2732=1 and X2735>0/X2815=1 and X2818>0/X2832=1 and
                X2835>0/X2915=1 and X2918>0/X2932=1 and X2935>0)


X7521(#1)  Is this loan being paid off ahead of schedule, behind
X7520(#2)  schedule, or are the payments about on schedule?
X7519(#3)
X7518(#4)   1.  On schedule
X7517(#5)   2.  Ahead of schedule
X7516(#6)   3.  Behind schedule
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/    
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;      
                not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/
                X2915^=1/X2932^=1; no regular payment: X2718<=0/
                X2735<=0/X2818<=0/X2835<=0/X2918<=0/X2935<=0)


           In what month and year do you expect this loan to be repaid?

X2721(#1)  Code month
X2738(#2)   1.  January
X2821(#3)   2.  February
X2838(#4)   3.  March
X2921(#5)   4.  April
X2938(#6)   5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/    
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;      
                payments on schedule: X7521=1/X7520=1/X7519=1/X7518=1/
                X7517=1/X7516=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X2722(#1)  Code year
X2739(#2)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X2822(#3)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
X2839(#4)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6;
X2922(#5)       payments on schedule: X7521=1/X7520=1/X7519=1/X7518=1/
X2939(#6)       X7517=1/X7516=1)


X2723(#1)  How much is still owed on this loan?
X2740(#2)
X2823(#3)  Code amount
X2840(#4)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X2923(#5)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
X2940(#6)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)


X2724(#1)  What is the current annual rate of interest being charged
X2741(#2)  on this loan?
X2824(#3)
X2841(#4)  Code percent * 100
X2924(#5)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X2941(#6)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)


X2725(#1)  Please look at the Institutions Card.  Is the loan with any
X2742(#2)  of the institutions on the Institutions Card, or from
X2825(#3)  someplace else?  (IF INSTITUTIONS CARD: Which institution?) 
X2842(#4)  (IF SOMEPLACE ELSE: What type of institution is that?)
X2925(#5)  (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW
X2942(#6)  INSTITUTION IS MENTIONED AT THIS POINT.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
                fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
                fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)

X9107(#1)  Recode: type of institution
X9108(#2)   See MASTER INSTITIUTION LIST for other codes (See X308)
X9109(#3)   0.  Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/
X9110(#4)       fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/      
X9111(#5)       fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6)
X9112(#6)


X7183(#7)  How much in total is owed on all the remaining loans?

           Code amount
            0.  Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7)

X8443(#7)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no such loans: X7182^=1; did not break off
                early in grid)


X7184(#7)  How much in total are all the payments you are making on all
           the remaining loans?

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7)

X7185(#7)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7)

X8444(#7)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
           -1.  Nothing
           -2.  No regular payment
            0.  Inap. (no such loans: X7182=5; did not break off
                early in grid)

X8445(#7)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no such loans: X7182=5; did not break off
                early in grid)


-----------------------------------------------------------------------------
PAYMENTS ON SCHECULE ON ALL TYPES OF LOANS
-----------------------------------------------------------------------------
X3004      Now thinking of all the various loan or mortgage payments
           you made during 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 or ahead of schedule
            5.  Sometimes got behind or missed payments
            0.  Inap. (no types of loans: ......


X3005      Were you ever behind in your payments by two months or more?

            1.  YES
            5.  NO
            0.  Inap. (no types of loans: ......
                 not late with payments: X3004=1)


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
MISCELLANEOUS OPINION VARAIBLES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
(#1-#5 in order reported by R)
X3006(#1)  Now I'd like to ask you a few questions about your savings.
X3007(#2)  People have different reasons for saving, even though they
X7513(#3)  may not be saving all the time. What are your most
X7514(#4)  important reasons for saving?
X7515(#5)
           Now I'd like to ask you a few questions about your family's
           savings.  People have different reasons for saving, even
           though they may not be saving all the time. What are your
           family's most important reasons for saving?

          (Anything else?)

            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"; estate
            5.  Wedding, Bar Mitzvah, and other ceremonies (ex 17)
           11.  Buying own house (code summer cotage in 12)
           12.  Purchase of cottage or second home for own use
           13.  Buy a car, boat or other vehicle
           14.  Home improvements/repairs
           15.  To travel; take vacations; take other time off
           16.  Buy durable household goods, appliances, home
                furnishings; hobby items; for other purchases not
                codeable above or not further specifiec; "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" and independence
           26.  Investments reasons (to get interest, to be
                diversified, to buy other forms of assets)
           27.  To meet contractual commitments (debt repayment,
                insurance, taxes, etc.) to pay off house
           28.  "To get ahead;" for the future; to advance standard of living
           29.  Ordinary living expenses/bills
           31.  No reason (except 90, 91, 92)
           90.  Had extra income; saved becaused had the money left
                over -- no other purpose specified
           91.  Wise/prudent thing to do; good discipline to save; habit
           92.  Liquidity; to have cash available/on hand
           -1.  Don't/can't save; "have no money"
           -7.  Other


X3010      In the next five to ten years, are there any foreseeable
           major expenses that you expect to have to pay for yourself,
           such as educational expenses, purchase of a new home,
           health care costs, support for other family members, or
           anything else?

           In the next five to ten years, are there any foreseeable
           major expenses that you and your family expect to have to
           pay for yourselves, such as educational expenses, purchase
           of a new home, health care costs, support for other family
           members, or anything else?

            1.  YES
            5.  NO


(#1-#6 in order reported by R)
X3011(#1)  INTERVIEWER: SHOW CARD 7
X3012(#2)  What kinds of obligations are these?
X3013(#3)  CODE ALL THAT APPLY
X7512(#4)
X7511(#5)   1.  EDUCATION OF CHILDREN (incl. step and adopted); grandkids
X6667(#6)   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 child/grandchild;
           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
           32.  Divorce, legal expenses
           33.  Investment, major purchase
           34.  Charitable expense
           41.  Bills/living expenses --NFS
           -7.  OTHER
            0.  Inap. (no expected major expenses: X3010^=1)

           NOTE: CARD 7 contains the following text in a vertical
           column: "Education for your children," "Education for
           others," "Future health care for self/spouse," "Health care
           for others," "Purchase of new home," "Other major financial
           obligation."


X7186      Are you saving for these expenses now?

           Are you saving for this expense now?

            1.  YES
            5.  NO
            0.  Inap. (no expected major expenses: X3010^=1)


X3008      INTERVIEWER: SHOW CARD 8

           In planning your saving and spending, which of the time periods
           listed on this page is most important to you?

           In planning your family's saving and spending, which of the
           time periods listed on this page is most important to you
           and your (spouse/partner)? 

           In planning your family's saving and spending, which of the
           time periods listed on this page is most important to you?

            1.  NEXT FEW MONTHS
            2.  NEXT YEAR
            3.  NEXT FEW YEARS
            4.  NEXT 5-10 YEARS
            5.  LONGER THAN 10 YEARS

           NOTE: CARD 8 contains the following text in a vertical
           column: "Next few months," " Next year," "Next 5 to 10
           years," "Longer than 10 years."


X3014      INTERVIEWER: SHOW CARD 9

           Which of the statements on this page comes closest to the
           amount of financial risk that you and your (spouse/partner)
           are willing to take when you save or make investments?

           Which of the statements on this page comes closest to the
           amount of financial risk that you are willing to take when
           you save or make investments?

           INTERVIEWER:  READ ANSWERS ONLY IF NECESSARY. IF MORE THAN
           ONE RESPONSE IS GIVEN USE THE FIRST CATEGORY THAT APPLIES.

            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

           NOTE: CARD 9 contains the following text in a vertical
           column: "Take substantial financial risks expecting to earn
           substantial returns," "Take above average financial risks
           expecting to earn above average returns," "Take average
           financial risks expecting to earn average returns," "Not
           willing to take any financial risks."


           INTERVIEWER: SHOW CARD 10

           Which of the following statements on this page comes closest
           to describing your and your (spouse/partner)'s saving habits?

           Which of the following statements on this page comes closest to
           describing your saving habits?

           INTERVIEWER:    DO NOT PROBE FOR MORE THAN ONE RESPONSE.
           ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM

X3015      DON'T SAVE - USUALLY SPEND MORE THAN INCOME
X3016      DON'T SAVE - USUALLY SPEND ABOUT AS MUCH AS INCOME
X3017      SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH - NO REGULAR PLAN
X3018      SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER
X3019      SPEND REGULAR INCOME, SAVE OTHER INCOME
X3020      SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH

            1.  Checked
            5.  Not checked

           NOTE: CARD 10 contains the following text in a vertical
           column: "Don't save -- Usually spend more than income,"
           "Don't save -- Usually spend about as much as income,"
           "Save whatever is left over at the end of each month -- No
           regular plan," "Save income of one family member, spend the
           other," "Save regularly by putting money aside each month."


X3023      INTERVIEWER: SHOW CARD 11
           Looking at this card, how would you rate the retirement
           income you (receive or expect to receive) from Social
           Security and job pensions?

            1.  TOTALLY INADEQUATE
            2.
            3.  ENOUGH TO MAINTAIN LIVING STANDARDS
            4.
            5.  VERY SATISFACTORY


X7510      Over the past year, would you say that your spending
           exceeded your income, that it was about the same as your
           income, or that you spent less than your income?

           Over the past year, would you say that your family's
           spending exceeded 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

            NOTE: CARD 11 contains the following information:
            The numbers 1 through 5 in a horizonal row bounded by dark
            lines.  Below 1 is printed "Totally inadequate"; below 3
            is printed "Enough to maintain standard"; and below 5 is
            printed "Very satisfactory."  Nothing is printed below 2 and 4.


X7509      Did any of that spending include purchases of a home or
           automobile or spending for any investments?

            1.  YES
            5.  NO
            0.  Inap. (spending less than income: X7510=3)


X7508      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 spending exceeded your
           income, that it was about the same as your income, or that
           you spent less than your income?

           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 family's spending exceeded
           your family's income, that it 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. (spending less than or equal to income:
                X7510=2 or 3; spending did not include durables
                purchases: X7509^=1)


X7507      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 bock on expenses
            6.  (Possible respondent error #2) Got additional income
           -7.  OTHER
            0.  Inap. (spending less than or equal to income)


X7187      About how much do you think you need to have in savings for
           unanticipated emergencies and other unexpected things that
           may come up?

           About how much do you think you and your family need to
           have in savings for unanticipated emergencies and other
           unexpected things that may come up?

           Code amount
           -1.  Nothing


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
FINANCIAL ASSETS (ALSO INCLUDES SOME MISC. ASSETS AND DEBTS)
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
CHECKING ACCOUNTS
-----------------------------------------------------------------------------
X3501      Now I'd like to ask about different types of financial
           assets that

           you might have.  First, do you have any checking accounts
           at any type of institution?

           you might have.  First, do you or anyone in your family
           living here have any checking accounts at any type of
           institution?

           PROBE:  Please do not include any money market accounts
           unless you use them regularly as checking accounts.

            1.  YES
            5.  NO


X3502      Have you ever had a checking account?

           Have you or anyone in your family living here ever had a
           checking account?

            1.  YES
            5.  NO
            0.  Inap. (R has a checking account: X3501=1)


X3503      (SHOW CARD 12)  Looking at this list, please tell me which
           is the most

           important reason you don't have a checking account.

           important reason 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

           12.  Checkbook has been/could be lost/stolen
           13.  Haven't gotten around to it
           14.  R has alternative source of checking services (MMA,
                MIA, etc) (does not include individuals who write
                checks for R)
           15.  R not allowed to have account (e.g., asset test for welfare)
           20.  R does not need/want a checking account (NEC)
           21.  Credit problems; bankruptcy; R does not meet depository's
                qualifications for having an account
           95.  Don't have (enough) money
           -1.  Can't manage/balance a checking account
           -7.  Other
            0.  Inap. (R has a checking account: X3501=1)

           NOTE: CARD 12 contains the following text in a vertical
           column: "Don't write enough checks to make it worthwhile,"
           " Minimum balance too high," "Do not like dealing with
           banks," "Service charges too high," "No bank has convenient
           hours or location," "Some other reason."


X3504      How many checking accounts do you have?

           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 number of accounts
            0.  Inap. (R has no checking account: X3501^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************

X6695      Originally reported value of X3504 (see introduction)

           Code number of accounts
            0.  Inap. (R has no checking account: X3501^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************


-----------------------------------------------------------------------------
#1 refers to the first checking account
#2 refers to the second checking account
#3 refers to the third checking account
#4 refers to the fourth checking account
#5 refers to the fifth checking account
#6 refers to the sixth checking account
#7 refers to the remaining checking accounts
-----------------------------------------------------------------------------
X3505(#1)  Please look at the Institutions Card.  Thinking about your
X3509(#2)  checking account, is this account with any of the
X3513(#3)  institutions on the Institutions Card, or from someplace
X3517(#4)  else?  (IF INSTITUTIONS CARD: Which institution?) (IF
X3521(#5)  SOMEPLACE ELSE: What type of institution is that?)
X3525(#6)  (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A
           NEW INSTITUTION IS MENTIONED.)

           Please look at the Institutions Card.  Thinking about your
           main checking account, the one used to write most of your
           checks, is this account with any of the institutions on the
           Institutions Card, or from someplace else?  (IF
           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.)

           Please look at the Institutions Card. Thinking about the
           next account, is this account with any of the institutions
           on the Institutions Card, or from someplace else?  (IF
           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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (R has no checking account: X3501^=1/fewer than
                2 accounts: X3504<2/fewer than 3 accounts: X3504<3/
                fewer than 4 accounts: X3504<4/fewer than 5 accounts:
                X3504<5/fewer than 6 accounts: X3504<6)

X9113(#1)  Recode: type of institution
X9114(#2)
X9115(#3)   See MASTER INSTITIUTION LIST for other codes (See X308)
X9116(#4)   0.  Inap.  ( (R has no checking account: X3501^=1/fewer than
X9117(#5)       2 accounts: X3504<2/fewer than 3 accounts: X3504<3/
X9118(#6)       fewer than 4 accounts: X3504<4/fewer than 5 accounts:
                X3504<5/fewer than 6 accounts: X3504<6)


X3506(#1)  How much is in this account? (What was the average over the
X3510(#2)  last month?)
X3514(#3)
X3518(#4)  Code amount
X3522(#5)  -1.  Nothing
X3526(#6)   0.  Inap.  ( (R has no checking account: X3501^=1/fewer than
                2 accounts: X3504<2/fewer than 3 accounts: X3504<3/
                fewer than 4 accounts: X3504<4/fewer than 5 accounts:
                X3504<5/fewer than 6 accounts: X3504<6)


X3507(#1)  Is this a money market-type account?
X3511(#2)
X3515(#3)   1.  YES
X3519(#4)   5.  NO
X3523(#5)   0.  Inap. (R has no checking account: X3501^=1/fewer than
X3527(#6)       2 accounts: X3504<2/fewer than 3 accounts: X3504<3/
                fewer than 4 accounts: X3504<4/fewer than 5 accounts:
                X3504<5/fewer than 6 accounts: X3504<6)


X7601(#1)  Is this a joint checking account, or is the account in your
X7603(#2)  name, in your husband's name, or something else?
X7605(#3)
X7607(#4)  Is this a joint checking account, or is the account in your
X7609(#5)  name, in your wife's name, or something else?
X7611(#6)
           Is this a joint checking account, or is the account in your
           name, in your partner's name, or something else?

           Is this checking account in your name, or something else?

           Is this a joint checking account, or is the account in your name?

            1.  Joint account
            2.  R's account
            3.  Spouse's/partner's account
            4.  Other family member's account
            5.  Child only
            6.  Child and respondent or spouse
            7.  Other relative
            8.  Other relative with respondent or spouse
            9.  Unrelated person, NFS
           10.  Unrelated person with respondent or spouse
           50.  Trust account
           51.  Personal business account
           -7.  Other
            0.  Inap. (R has no checking account: X3501^=1/fewer than
                2 accounts: X3504<2/fewer than 3 accounts: X3504<3/
                fewer than 4 accounts: X3504<4/fewer than 5 accounts:
                X3504<5/fewer than 6 accounts: X3504<6; R lives
                alone: X101=1)


X3529(#7)  How much is in all your remaining checking accounts?  (What
           was the average over the last month?)

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

           Code amount
           -1.  Nothing
            0.  Inap. (R has no checking account: X3501^=1; fewer than
                7 accounts: X3504<7)

X8446(#7)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap.  (no checking account: X3501^=1; did not
                break off early in grid)


X3530      (SHOW CARD 13) Which of the reasons on this card is the
           most important reason you 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?

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

            1.  Recommended
            2.  High interest rates
            3.  Location of offices
            4.  Other business done here
            5.  Easy to qualify (for credit); only place that would
                give us a loan
            6.  Many services in one place
            7.  Low fees or service charge
            8.  Safety
            9.  Other convenience mentions/payroll deduction
           11.  Personal relationship; they know me; R/spouse works
                there; small institution
           12.  Staff qualifications
           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
           28.  Interest rates on deposits
           29.  Reputation
           30.  Unable to open an account at another instituions
           31.  Dissatisfaction with previous institution
           -7.  Other
            0.  Inap. (R has no checking account: X3501^=1)

           NOTE: CARD 13 contains the following text in a vertical
           column: "Location of their offices," "Had the lowest fees
           or minimum balance requirement," "Able to obtain many
           services at one place," "Offered safety and absence of
           risk," "Some other reason."


X3531      For how many years have you done business with this
           institution?

           For how many years has someone in your family living here
           done business with this institution?

           Code number of years
           -1.  Less than a year
            0.  Inap. (R has no checking accounts: X3501^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 60
           ********************************************

-----------------------------------------------------------------------------
IRA/KEOGH ACCOUNTS
-----------------------------------------------------------------------------
X3601      Do you have any Individual Retirement Accounts, that is,
           IRA or Keogh accounts?

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

            1.  YES
            5.  NO

-----------------------------------------------------------------------------
#1 refers to IRA/Keogh account of R
#2 refers to IRA/Keogh account of spouse/partner
#3 refers to IRA/Keogh account of other PEU member
-----------------------------------------------------------------------------
X3602(#1)  Are any of the IRA or Keogh accounts yours?

X3612(#2)  Does your spouse have IRA or Keogh accounts?

           Does your partner have IRA or Keogh accounts?

X3622(#3)  Do any other family members have IRA or Keogh accounts?

            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)


X3603(#1)  How many IRA and Keogh accounts do you have?


X3613(#2)  How many IRA and Keogh accounts does your spouse have?

           How many IRA and Keogh accounts does your partner have?

X3623(#3)  How many IRA and Keogh accounts do your other family
           members have?

           Code number of accounts
            0.  Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:
                X3601^=1/no spouse or partner in PEU: X107^=1/no other
                PEU members: X113^=1; person has no account: X3602^=1/
                X3612^=1/X3622^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************


           About your (account, is this an/accounts, are these) IRA or
           Keogh account(s)?

           About your spouse's (account, is this an/accounts, are these)
           IRA or Keogh account(s)? 

           About your partner's (account, is this/accounts, are these)
           IRA or Keogh account(s)?

           About your other family member's (account, is
           this/accounts, are these) IRA or Keogh(s)? 


X3604(#1)  IRA
X3614(#2)
X3624(#3)

X3605(#1)  KEOGH
X3615(#2)
X3625(#3)

            1.  Checked
            5.  Not checked
            0.  Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:
                X3601^=1/no spouse or partner in PEU: X107^=1/no other
                PEU members: X113^=1; person has no account: X3602^=1/
                X3612^=1/X3622^=1; if only one account either IRA or
                KEOGH is inap.)


X3610(#1)  How much in total is in your [IRA(s)/Keogh account(s)/IRA
X3620(#2)  and Keogh accounts]?
X3630(#3)
           How much in total is in your spouse's [IRA(s)/Keogh account(s)/IRA
           and Keogh accounts]?

           How much in total is in your partner's [IRA(s)/Keogh account(s)/IRA
           and Keogh accounts]?

           Code amount
            0.  Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:
                X3601^=1/no spouse or partner in PEU: X107^=1/no other
                PEU members: X113^=1; person has no account: X3602^=1/
                X3612^=1/X3622^=1)


(#1): X3606 X3607 X3608 X3609 X7501 X6721
(#2): X3616 X3617 X3618 X3619 X7502 X6722
(#3): X3626 X3627 X3628 X3629 X7503
           Please look at the Institutions Card. Q778(5.6) with any of
           the institutions on the Institutions Card, or from
           someplace else?  (CODE ALL THAT APPLY.)  (IF INSTITUTIONS
           CARD: Which institution(s)?)  (IF SOMEPLACE ELSE: What
           type(s) of institution(s)?  (INTERVIEWER: CHECK
           INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:
                X3601^=1/no spouse or partner in PEU: X107^=1/no other
                PEU members: X113^=1; person has no account: X3602^=1/
                X3612^=1/X3622^=1; at least one institution field must
                be filled out, but higher order fields may be inap.)

(#1): X9119 X9120 X9121 X9122 X9209 X9223
(#2): X9123 X9124 X9125 X9126 X9210 X9224
(#3): X9127 X9128 X9129 X9130 X9211
           Recode: type of institution

            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs:
                X3601^=1/no spouse or partner in PEU: X107^=1/no other
                PEU members: X113^=1; person has no account: X3602^=1/
                X3612^=1/X3622^=1; at least one institution field must
                be filled out, but higher order fields may be inap.)


X3631      How is the money in (this/all of these) IRA and Keogh
           accounts(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?

           How is the money in (all) 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.  CDs/Bank accounts; "money market"
            2.  Stock; "mutal funds"
            3.  Bonds/Similar assets; T-Bills; treasury notes
            4.  Combinations of 1, 2, & 3 ; "mixed"/"diversified" -- NFS
            5.  Combiantion of 2 & 3 above
            6.  Combination of 1 & 2 above
           11.  Universal life policy or other similar insurance product
           12.  Annuity
           13.  Commodities
           14.  Real estate/mortgages
           15.  Limited partnership/other similar investment
           16.  Brokerage account/cash management account (CMA)
           -7.  Other
            0.  Inap. (No IRA/Keogh accounts: X3601^=1)


-----------------------------------------------------------------------------
MONEY MARKET ACCOUNTS
-----------------------------------------------------------------------------
X3701      Not including any accounts I have already recorded, do you
           have any money market accounts?  

           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


X3702      Altogether, how many of these money market accounts do you
           have?

           Altogether, how many of these money market accounts do you
           and your family living here have?

           Code number of accounts
            0.  Inap. (no money market accounts: X3701^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************

X6696      Originally reported value of X3702 (see ingroduction)
           Code number of accounts
            0.  Inap. (no money market accounts: X3701^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************


-----------------------------------------------------------------------------
#1 refers to the first money market account
#2 refers to the second money market account
#3 refers to the third money market account
#4 refers to the remaining money market accounts
-----------------------------------------------------------------------------
X3703(#1)  Does this account have check-writing privileges?
X3708(#2)
X3713(#3)  Does the largest account have check-writing privileges?

           Does the next largest account have check-writing privileges?

            1.  YES
            5.  NO
            0.  Inap. (no money market accounts: X3701^=1/fewer than 2
                accounts: X3702<2/fewer than 3 account: X3702<3/fewer
                than 4 accounts: X3703<4)

X3704(#1)  Is this a tax-free money market account? 
X3709(#2)
X3714(#3)   1.  YES
            5.  NO
            0.  Inap. (no money market accounts: X3701^=1/fewer than 2
                accounts: X3702<2/fewer than 3 account: X3702<3/fewer
                than 4 accounts: X3703<4)


X3705(#1)  Please look at the Institutions Card. Is this account with
X3710(#2)  any of the institutions on the Institutions Card, or from
X3715(#3)  someplace else?  (IF 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no money market accounts: X3701^=1/fewer than 2
                accounts: X3702<2/fewer than 3 account: X3702<3/fewer
                than 4 accounts: X3703<4)


X9131(#1)  Recode: type of institution
X9132(#2)
X9133(#3)   See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no money market accounts: X3701^=1/fewer than 2
                accounts: X3702<2/fewer than 3 account: X3702<3/fewer
                than 4 accounts: X3703<4)


X3706(#1)  How much is in this account?
X3711(#2)
X3716(#3)  Code amount
           -1.  Nothing
            0.  Inap. (no money market accounts: X3701^=1/fewer than 2
                accounts: X3702<2/fewer than 3 account: X3702<3/fewer
                than 4 accounts: X3703<4)


X7613(#1)  Is this a joint money market account, or is the account in
X7615(#2)  your name, in your husband's name, or something else?
X7617(#3)
           Is this a joint money market account, or is the account in
           your name, in your wife's name, or something else?

           Is this a joint money market account, or is the account in
           your name, in your partner's name, or something else?

           Is this money market account in your name or something else?

           Is this a joint money market account, or is the account in
           your name?

            1.  Joint account
            2.  R's account
            3.  Spouse's/partner's account
            4.  Other family member's account
            5.  Child only
            6.  Child and respondent or spouse
            7.  Other relative
            8.  Other relative with respondent or spouse
            9.  Unrelated person, NFS
           10.  Unrelated person with respondent or spouse
           50.  Trust account
           51.  Personal business account
           -7.  Other
            0.  Inap. (no money market accounts: X3701^=1/fewer than 2
                accounts: X3702<2/fewer than 3 account: X3702<3/fewer
                than 4 accounts: X3703<4; R lives alone: X101=1)


X3718(#4)  How much is in all your remaining money market accounts?

           How much is in all your family's remaining money market
           accounts?

           Code amount
           -1.  Nothing
            0.  Inap. (no money market accounts: X3701^=1; fewer than 4
                accounts: X3702<4)

X8447(#4)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap.  (no money market accounts: X3701^=1; did not
                break off early in grid)


-----------------------------------------------------------------------------
CERTIFICATES OF DEPOSIT
-----------------------------------------------------------------------------
X3719      Not including CDs that are part of IRAs or Keoghs, do you
           have any CDs or certificates of deposit at financial
           institutions?

           Not including CDs that are part of IRAs or Keoghs, do you
           or anyone in your family here have any CDs or certificates
           of deposit at financial institutions?  

           (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


X3720      Altogether, how many such CDs do you have?

           Altogether, how many such CDs do you and your family living
           here have?

           Code number
            0.  Inap. (no certificates of deposit: X3719^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 20
           *********************************************


X3721      What is the total dollar value of all these CDs?

           What is the total dollar value of this CD?

           Code amount
            0.  Inap. (no certificates of deposit: X3719^=1)


X3722 X3723 X3724 X3725 X7618 X6654 X6655
           (Please look the at Institutions Card.) Is this CD with any
           of the institutions on the Institutions Card, or from
           someplace else?  (CODE ALL THAT APPLY) (IF INSTITUTIONS
           CARD:  Which institution?) (IF SOMEPLACE ELSE:  What type
           of institution?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND
           UPDATE IF A NEW INSTITUTION IS MENTIONED.)

           (Please look the at Institutions Card.) Are these CDs with
           any of the institutions on the Institutions Card, or from
           someplace else?  (CODE ALL THAT APPLY) (IF INSTITUTIONS
           CARD:  Which institutions?)  (IF SOMEPLACE ELSE:  What
           types of institutions?) (INTERVIEWER: CHECK INSTITUTIONS
           CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no certificates of deposit: X3719^=1; if there
                are any CDs, the first field must be non-zero, but
                higher order fields may be inap.)

X9134 X9135 X9136 X9137 X9214 X9217 X9218
           Recode: type of institution
            See MASTER INSTITIUTION LIST for other codes (See X308)

            0.  Inap. (no certificates of deposit: X3719^=1; if there
                are any CDs, the first field must be non-zero, but
                higher order fields may be inap.)


X7620      Is this CD held jointly, or is it in your name, in your
           husband's name, or something else?

           Is this CD held jointly, or is it in your name, in your
           wife's name, or something else?

           Is this CD held jointly, or is it in your name, in your
           partner's name, or something else?

           Is this CD in your name or something else?

           Is this CD held jointly, or is it in your name?

           Is most of the money in these CDs held jointly, or is most
           of it in your name, in your husband's name, or something else?

           Is most of the money in these CDs held jointly, or is most
           of it in your name, in your wife's name, or something else?

           Is most of the money in these CDs held jointly, or is most
           of it in your name, in your partner's name, or something else?

           Is most of the money in these CDs in your name or something else?

           Is most of the money in these CDs held jointly, or is most
           of it in your name?

            1.  Joint account
            2.  R's account
            3.  Spouse's/partner's account
            4.  Other family member's account
            5.  Child only
            6.  Child and respondent or spouse
            7.  Other relative
            8.  Other relative with respondent or spouse
            9.  Unrelated person, NFS
           10.  Unrelated person with respondent or spouse
           11.  Equal amounts in R/spouse names
           50.  Trust account
           51.  Personal business account
           -7.  Other
            0.  Inap. (no certificates of deposit: X3719^=1; R lives
                alone: X101=1)


-----------------------------------------------------------------------------
SAVINGS ACCOUNTS
-----------------------------------------------------------------------------
X3801      Do you 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.

           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



X3802      How many such accounts do you have?

           How many such accounts do you and your family living here
           have?

           Code number of accounts
            0.  Inap. (no savings accoutnsL X3801^=1)
           ********************************************
             FOR THE PUBLIC DATASET, TOP-CODED AT 10
           ********************************************

X6697      Originally reported value of X3802 (see introduction)

           Code number of accounts
            0.  Inap. (no savings accounts: X3801^=1)
           ********************************************
             FOR THE PUBLIC DATASET, TOP-CODED AT 10
           ********************************************


-----------------------------------------------------------------------------
#1 refers to the first savings account
#2 refers to the second savings account
#3 refers to the third savings account
#4 refers to the fourth savings account
#5 refers to the fifth savings account
#6 refers to the remaining savings accounts
-----------------------------------------------------------------------------
X3803(#1)  Please look at the Institutions Card.  Is this account with
X3806(#2)  any of the institutions on the Institutions Card, or from
X3809(#3)  someplace else?  (IF INSTITUTIONS CARD: Which institution?)
X3812(#4)  (IF SOMEPLACE ELSE: What type of institution is that?)
X3815(#5)  (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A
           NEW INSTITUTION IS MENTIONED.)

           Please look at the Institutions Card. Is the largest
           account with any of the institutions on the Institutions
           Card, or from someplace else?  (IF 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.)

           Please look at the Institutions Card. Is the next largest
           account with any of the institutions on the Institutions
           Card, or from someplace else?  (IF 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.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no savings accounts: X3801^=1/fewer than 2
                accounts: X3802<2/fewer than 3 account: X3802<3/fewer
                than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5)

X9138(#1)  Recode: type of institution
X9139(#2)
X9140(#3)   See MASTER INSTITIUTION LIST for other codes (See X308)
X9141(#4)   0.  Inap. (no savings accounts: X3801^=1/fewer than 2
X9142(#5)       accounts: X3802<2/fewer than 3 account: X3802<3/fewer
                than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5)


X3804(#1)  How much is in this account? 
X3807(#2)
X3810(#3)  Code amount
X3813(#4)  -1.  Nothing
X3816(#5)   0.  Inap. (no savings accounts: X3801^=1/fewer than 2
                accounts: X3802<2/fewer than 3 account: X3802<3/fewer
                than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5)


 ***Many unresolved -7's as no verbatim responses were recorded
X7622(#1)  Is this a joint savings account, or is the account in your
X7624(#2)  name, in your husband's name, or something else?
X7626(#3)
X7628(#4)  Is this a joint savings account, or is the account in your
X7630(#5)  name, in your wife's name, or something else?

           Is this a joint savings account, or is the account in your
           name, in your partner's name, or something else?

           Is this savings account in your name or something else?

           Is this a joint savings account, or is the account in your
           name?

            1.  Joint account
            2.  R's account
            3.  Spouse's/partner's account
            4.  Other family member's account
            5.  Child only
            6.  Child and respondent or spouse
            7.  Other relative
            8.  Other relative with respondent or spouse
            9.  Unrelated person, NFS
           10.  Unrelated person with respondent or spouse
           50.  Trust account
           51.  Personal business account
           -7.  Other
            0.  Inap. (no savings accounts: X3801^=1/fewer than 2
                accounts: X3802<2/fewer than 3 account: X3802<3/fewer
                than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5)
           NOTE: program error on this question resulted in failure to
           capture verbatim responses to "other."


X3818(#6)  How much is in all your remaining savings accounts?  (What
           was the average over the last month?)

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

           Code amount
           -1.  Nothing
            0.  Inap. (no savings accounts: X3801^=1; fewer than 6
                accounts: X3802<6)

X8448(#6)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap.  (no savings accounts: X3801^=1; did not
                break off early in grid)


-----------------------------------------------------------------------------
MUTUAL FUNDS
-----------------------------------------------------------------------------
X3819      Not including any pension-type, thrift-saving, 401K, or
           IRA/Keogh plans, 

           do you have any shares in mutual funds?

           do you or anyone in your family here have any shares in
           mutual funds?  

            1.  YES
            5.  NO


X3821      I need to know what types of mutual funds you have.  Do you
           have. . . 
           Stock Funds?

            1.  YES
            5.  NO
            0.  Inap. (no mutual funds: X3819^=1)


X3822      What is the total market value of all of the Stock Funds
           that you have?

           What is the total market value of all of the Stock Funds 
           that you and your family living here have?

           Code amount
            0.  Inap. (no mutual funds: X3819^=1; no stock funds: X3821^=1)


X3823      Do you have. . .
           Tax-Free Bond Funds?

            1.  YES
            5.  NO
            0.  Inap. (no mutual funds: X3819^=1)


X3824      What is the total market value of all of the Tax-Free Bond
           Funds that you have?

           What is the total market value of all of the Tax-Free Bond
           Funds that you and your family living here have?

           Code amount
            0.  Inap. (no mutual funds: X3819^=1; no tax-free bond
                funds: X3823^=1)


X3825      Do you have. . .
           Government or Government backed Bond Funds?

            1.  YES
            5.  NO
            0.  Inap. (no mutual funds: X3819^=1)


X3826      What is the total market value of all of the Government or
           Government backed Bond Funds that you have?

           What is the total market value of all of the Government or
           Government backed bond funds that you and your family
           living here have?

           Code amount
            0.  Inap. (no mutual funds: X3819^=1; no government or
                government backed bond funds: X3825^=1)


X3827      Do you have. . .
           Other Bond Funds?

            1.  YES
            5.  NO
            0.  Inap. (no mutual funds: X3819^=1)


X3828      What is the total market value of all of the Other Bond Funds 
           that you have?

           What is the total market value of all of the Other Bond Funds 
           that you and your family living here have?

           Code amount
            0.  Inap. (no mutual funds: X3819^=1; no other bond
                funds: X3827^=1)



X3829      Do you have. . .
           Combination funds or any other mutual funds?

            1.  YES
            5.  NO
            0.  Inap. (no mutual funds: X3819^=1)


X3830      What is the total market value of all of the Combination
           funds or any other mutual funds that you have?

           What is the total market value of all of the Combination
           funds or any other mutual funds that you and your family
           living here have?

           Code amount
            0.  Inap. (no mutual funds: X3819^=1; no combination or
                other types of mutual funds: X3829^=1)


If the R reported having a mutual fund (X3819=1) , but answered NO to
having all types (X3821=5, X3823=5, X3825=5, X3827=5, and X3829=5),
the the CAPI program asked what type of fund the R had and requested
the total amount in mutual funds;  based on the information provided,
these funds were reclassified.  If the R gave a missing value response
to the value of all types of mutual funds that R reported having (J3821<90
and J3822>91, J3823<90 and J3824>91, J3825<90 and J3826>91, J3827<90
and J3828>91, and J3829<90 and J3830>91) then the total amount was
asked.  As in the cases where R broke off before completing a grid,
this total amount was used as a constraint in the imputation of the
individual components.
X6704      What is the total market value of all of the mutual funds
           that you have?

           What is the total market value of all of the mutual funds
           that you and your family living here have?

           Code amount
            0.  Inap. (no mutual funds: X3819^=1; R either provided
                nonmissing responses for at least one of the relevant
                amounts for applicable types)


X3820      In how many different mutual funds do you own shares?  

           In how many different mutual funds does your family own
           shares?

           (INTERVIEWER:  WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER
           OF FUND MANAGEMENT COMPANIES.)

           Code number of plans
            0.  Inap. (no mutual funds: X3819^=1)
           ********************************************
             FOR THE PUBLIC DATASET, TOP-CODED AT 25
           ********************************************


X3831      Overall has there been a gain or loss in the value of all
           these mutual fund shares since you obtained them?

           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: X3819^=1)


           How much have they gained in value since they were obtained?

X3832      Code percent gain * 100
           -2.  Virtually all
            0.  Inap. (no mutual funds: X3819^=1; no gain: X3831^=1)

X3833      Code amount
           -2.  Virtually all
            0.  Inap. (no mutual funds: X3819^=1; no gain: X3831^=1)


           How much have they lost in value since they were obtained?

X3834      Code percent * 100
           -2.  Virtually all
            0.  Inap. (no mutual funds: X3819^=1; no loss: X3831^=5)

X3835      Code amount
           -2.  Virtually all
            0.  Inap. (no mutual funds: X3819^=1; no loss: X3831^=5)


-----------------------------------------------------------------------------
SAVINGS BONDS
-----------------------------------------------------------------------------
X3901      Do you have any U.S. government savings bonds?  (THESE MAY
           BE CALLED SERIES EE OR HH.  ONE WAY THEY CAN BE PURCHASED
           IS BY PAYROLL DEDUCTION.)

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

            1.  YES
            5.  NO


X3902      What is the total face value of all the savings bonds that you

           have?

           and your family have?

           Code amount
            0.  Inap. (no savings bonds: X3901^=1)


-----------------------------------------------------------------------------
BONDS OTHER THAN SAVINGS BONDS
-----------------------------------------------------------------------------
X3903      Not including any bonds or bills held in pension accounts
           or trusts, or in accounts I have already recorded, do you
           have any other corporate, municipal, government, or other
           type of bonds or bills?

           Not including any bonds or bills held in pension accounts
           or trusts, or in accounts I have already recorded, do you
           or anyone here have any other corporate, municipal,
           government, or other type of bonds or bills?

            1.  YES
            5.  NO


X3905      I need to know what types of bonds or bills you have.  Do
           you have. . .
           Mortgage-backed bonds such as those from "Ginnie-Mae",
           "Fannie-Mae" or "Freddie-Mac"?

            1.  YES
            5.  NO
            0.  Inap. (no bonds: X3903^=1)


X3906      What is the face value of all of the Mortgage-backed bonds
           that you have?

           What is the face value of all of the Mortgage-backed bonds 
           that you and your family living here have?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no mortgage backed bonds:
                X3905^=1)


X7635      What is the total market value?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no mortgage backed bonds:
                X3905^=1)


X3907      Do you have. . .
           U.S. Government bonds or Treasury bills?

            1.  YES
            5.  NO
            0.  Inap. (no bonds: X3903^=1)


X3908      What is the face value of all of the U.S. Government bonds
           or Treasury bills that you have?

           What is the face value of all of the U.S. Government bonds
           or Treasury bills that you and your family living here have?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no govenment bonds or bills:
                X3907^=1)


X7636      What is the total market value?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no govenment bonds or bills:
                X3907^=1)


X3909      Do you have. . .
           State or municipal bonds, or other taxfree bonds?

            1.  YES
            5.  NO
            0.  Inap. (no bonds: X3903^=1)


X3910      What is the face value of all of the State or municipal
           bonds, or other taxfree bonds that you have?

           What is the face value of all of the State or municipal
           bonds, or other taxfree bonds that you and your family
           living here have?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no taxfree bonds: X3909^=1)


X7637      What is the total market value?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no taxfree bonds: X3909^=1)


X7631      Do you have. . .
           Foreign bonds?

            1.  YES
            5.  NO
            0.  Inap. (no bonds: X3903^=1)


X7633      What is the face value of all of the Foreign bonds 
           that you have?

           What is the face value of all of the Foreign bonds 
           that you and your family living here have?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1)


X7638      What is the total market value?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1)


X7632      Do you have. . .
           Corporate or any other type of bonds?

            1.  YES
            5.  NO
            0.  Inap. (no bonds: X3903^=1)


X7634      What is the face value of all of the Corporate or any other
           type of bonds that you have?

           What is the face value of all of the Corporate or any other
           type of bonds that you and your family living here have?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1)


X7639      What is the total market value?

           Code amount
            0.  Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1)


If the R reported having some type of bonds (X3903=1) , but answered NO
to having all types (X3905=5, X3907=5, X3909=5, X7631=5, and X7632=5),
the the CAPI program asked what type of bond the R had and requested
the total face and market value of all bonds;  based on the
information provided, these bonds were reclassified.  If the R gave a
missing value response to the face value of all types of bonds that R
reported having (J3905<90 and J3906>91, J3907<90 and J3908>91,
J3909<90 and J3910>91, J7631<90 and J7633>91, and J7632<90 and
J7634>91) then the total face value was asked.  As in the cases where
R broke off before completing a grid, this total amount was used as a
constraint in the imputation of the individual components.
X6705      What is the face value of all of the bonds that you have?

           What is the face value of all of the bonds that you and your
           family living here have?

           Code amount
            0.  Inap. (no bonds: X3903^=1; R either provided
                nonmissing responses for at least one of the relevant
                amounts for applicable types)


If the R reported having some type of bonds (X3903=1) , but answered NO
to having all types (X3905=5, X3907=5, X3909=5, X7631=5, and X7632=5),
the the CAPI program asked what type of bond the R had and requested
the total face and market value of all bonds;  based on the
information provided, these bonds were reclassified.  If the R gave a
missing value response to the market value of all types of bonds that R
reported having (J3905<90 and J7635>91, J3907<90 and J7636>91,
J3909<90 and J7637>91, J7631<90 and J7638>91, and J7632<90 and
J7639>91) then the total market value was asked.  As in the cases where
R broke off before completing a grid, this total amount was used as a
constraint in the imputation of the individual components.
X6706      What is the total market value?

           Code amount
            0.  Inap. (no bonds: X3903^=1; R either provided
                nonmissing responses for at least one of the relevant
                amounts for applicable types)


X3904      How many different bonds or bills do you own?

           How many different bonds or bills do you or your family own?

           Code number
            0.  Inap. (no bonds: X3903^=1)
           *********************************************
             FOR THE PUBLIC DATASET, TOP-CODED AT 150
           *********************************************


-----------------------------------------------------------------------------
PUBLICLY TRADED STOCK
-----------------------------------------------------------------------------
X3913      Not including any stock held through mutual funds, pension
           accounts or trusts, or in accounts or businesses that I
           have already recorded, do you own any stock which is
           publicly traded?

           Not including any stock held through mutual funds, pension
           accounts or trusts, or in accounts or businesses that I
           have already recorded, do you or anyone in your family
           living here own any stock which is publicly traded?

            1.  YES
            5.  NO


X3914      In how many different companies do you own stock?

           In how many different companies do you or your family
           living here own stock?

           Code number
            0.  Inap. (no stocks: X3913^=1)
           *********************************************
             FOR THE PUBLIC DATASET, TOP-CODED AT 150
           *********************************************


X3915      What is the total market value of this stock?

           Code amount
            0.  Inap. (no stocks: X3913^=1)


X3921      Of your publicly-traded stock, is any of it stock in a
           company where you work or have worked?

           Of your family's publicly-traded 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 stocks: X3913^=1)


X7191      Is this stock included in the totals you gave before?

            1.  YES
            3.  NO initially, but fixed in editing YES
            0.  Inap. (no stocks: X3913^=1; no stock in company where
                work: X3921^=1)


X3922      What is the total market value of your stock in the company?

           Code amount
            0.  Inap. (no stocks: X3913^=1; no stock in company where
                work: X3921^=1)


X7640      Of your stock, is any of it stock in a company
           headquartered outside of the United States?

           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 stocks: X3913^=1)


X7192      Is this stock included in the totals you gave before?

            1.  YES
            3.  NO initially, but fixed in editing YES
            0.  Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1)


X7641      What is the total market value in dollars of this stock?

           Code amount
            0.  Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1)


X3916      Overall has there been a gain or loss in the value of this
           stock since you obtained it?

           Overall has there been a gain or loss in the value of all
           of your family's stock since you or someone in your family
           here obtained it?
            1.  Gain
            3.  Neither gain nor loss
            5.  Loss
            0.  Inap. (no stocks: X3913^=1)


           How much has it gained in value since it was obtained?

X3917      Code percent * 100
           -2.  Virtually all
            0.  Inap. (no stocks: X3913^=1; no gain: X3916^=1)

X3918      Code amount
           -2.  Virtually all
            0.  Inap. (no stocks: X3913^=1; no gain: X3916^=1)


           How much has it lost in value since it was obtained?

X3919      Code percent * 100
           -2.  Virtually all
            0.  Inap. (no stocks: X3913^=1; no loss: X3916^=5)

X3920      Code amount
           -2.  Virtually all
            0.  Inap. (no stocks: X3913^=1; no loss: X3916^=5)


-----------------------------------------------------------------------------
BROKERAGE ACCOUNTS
-----------------------------------------------------------------------------
X3923      Do you have a brokerage account for the purchase or sale of
           stocks and other securities?

           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


X3924 X3925 X3926 X3927 X7642 X6668 X6669
           Please look at the Institutions Card.  (Is this/Are these)
           account(s) with any of the institutions on the Institutions
           Card, or from someplace else?  (CODE ALL THAT APPLY.)  (IF
           INSTITUTIONS CARD: Which institution(s)?)  (IF SOMEPLACE
           ELSE: What type(s) of institution(s)?)  (INTERVIEWER: CHECK
           INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.)

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no brokerage account: X3923^=1)

X9143 X9144 X9145 X9146 X9212 X9219 X9220
           Recode: type of institution

            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no brokerage account: X3923^=1)


           Over the past year, about how many times did you buy or
           sell stocks or other securities through a broker?  

           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?

X3928      Code number
           -1.  None
            0.  Inap. (no brokerage account: X3923^=1)
           *********************************************
             FOR THE PUBLIC DATASET, TOP-CODED AT 300
           *********************************************


X7193      Code frequency
            1.  DAILY
            2.  WEEKLY
            3.  Biweekly
            4.  MONTHLY
            5.  QUARTERLY
            6.  YEARLY
            8.  In total
           11.  Twice per year; every six months
           12.  Bimonthly
           18.  Hour
           22.  Varies
           25.  Over 2 years
           -1.  None
           -7.  OTHER
            0.  Inap. (no brokerage account: X3923^=1)


X3929      Not including any accounts you've told me about, do you
           have a "cash" or "call money" account at a stock brokerage?

           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 brokerage account: X3923^=1)


X3930      What is the total dollar value of all the cash or call
           money accounts

           that you have?

           that you and your family living here have?

           Code amount
           -1.  Nothing
            0.  Inap. (no brokerage account: X3923^=1; no call
                account: X3929^=1)


X3931      Other than loans you have already told me about, do you
           have any margin loans at a stock brokerage?

           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 brokerage account: X3923^=1)


X7194      Did you tell me about this loan earlier?

            1.  YES
            4.  originaly reported YES, but no apparent match in data
            5.  NO
            6.  originally reported YES, partially recorded earlier
            0.  Inap. (no brokerage account: X3923^=1; no margin loan:
                X3931^=1)


X7195      Which loan was that?

            1.  Credit Card
            2.  1st Mortgage
            3.  2nd Mortgage
            4.  Home Equity Loan
            5.  Line of Credit
            6.  Other Real Estate Loan
            7.  Other                   --> -7
            8.  vehicle loan
            9.  education loan
           10.  other "section I" loan
           12.  remodeling loan
           13.  More than one mortgage on principal residence
           14.  Combination of line of credit and other real estate loan
            0.  Inap. (no brokerage account: X3923^=1; no margin loan:
                X3931^=1; not reported earlier: X7194^=1 or 6)


X3932      Altogether, what is the current balance on these margin loans?

           Code amount
            0.  Inap. (no brokerage account: X3923^=1; no margin loan:
                X3931^=1)


-----------------------------------------------------------------------------
TRUSTS, ANNUITIES, AND MANAGED INVESTMENT ACCOUNTS
-----------------------------------------------------------------------------
X3933      Not including pension-type accounts, or any assets that I
           have already recorded, do you receive income from or have
           assets in a trust, annuity, or managed investment account
           that you have not already told me about?

           Not including pension-type accounts, or any assets that I
           have already recorded, 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?

            1.  YES
            5.  NO


           What are these; are they legal trusts, annuities, or
           managed investment accounts?  (CODE ALL THAT APPLY)

X3934      TRUSTS
X3935      ANNUITIES
X3936      MANAGED INVESTMENT ACCOUNTS
X3937      OTHER

            1.  Checked
            5.  Not checked
            0.  Inap. (no trusts, annuites or MIAs: X3933^=1)


X3938      Are any of these set up so that you are legally entitled
           only to the income and do not have an equity interest?

           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, annuites or MIAs: X3933^=1)


X3939      How much income did you receive from these income-only
           trusts, annuities, or accounts in 1994?

           How much income did your family living here receive from
           these income-only trusts, annuities, or accounts in 1994?

           Code amount 
            0.  Inap. (no trusts, annuites or MIAs: X3933^=1; no
                income-only trusts: X3938^=1)


X3940      Do you also have annuities, trusts, or managed investment
           accounts in which you have an equity interest?

           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, annuites or MIAs: X3933^=1; no
                income-only trusts: X3938^=1)


X3942      What is the total dollar amount of your interest in these
           accounts?

           What is the total dollar amount of your family's interest
           in these accounts?

           What is the total dollar value of your interest in all
           annuities, trusts, or managed investment accounts?

           What is the total dollar value of your family's interest in
           all annuities, trusts, or managed investment accounts?

           Code amount 
            0.  Inap. (no trusts, annuites or MIAs: X3933^=1;
                income-only trusts but no equity interest: X3938=1
                and X3940=5)


X3943 X3944 X3945 X3946 X7643
           Who manages your trusts, annuities, or investment
           accounts,--is it any of the institutions on the
           Institutions Card, or are they managed by someone else?
           (CODE ALL THAT APPLY.)

           Who manages your family's trusts, annuities, or investment
           accounts,--is it  any of the institutions on the
           Institutions Card, or are they managed by someone else?
           (CODE ALL THAT APPLY.) (IF INSTITUTIONS CARD: Which
           institution(s)?) (IF SOMEPLACE ELSE: What type of
           institution(s) or who manages them?)  (INTERVIEWER:  CHECK
           INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 

            1.  Institution 1
            2.  Institution 2
            3.  Institution 3
            4.  Institution 4
            5.  Institution 5
            6.  Institution 6
            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no trusts, annuites or MIAs: X3933^=1)

X9147 X9148 X9149 X9150 X9213
           Recode: type of institution

            See MASTER INSTITIUTION LIST for other codes (See X308)
            0.  Inap. (no trusts, annuites or MIAs: X3933^=1)


X3947      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" (except 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; fixed contract; annuities
            8.  Tangible assets other than real estate
            9.  Intangible assets, N.E.C.
           -7.  Other


-----------------------------------------------------------------------------
LIFE INSURANCE
-----------------------------------------------------------------------------
X4001      Do you have any life insurance?  Please include individual
           and group policies, but not accident insurance.

           Do you or anyone in your family living here have any life
           insurance?  Please include individual and group policies,
           but not accident insurance.

            1.  YES
            5.  NO


X4002      The two major types of life insurance are term and
           cash-value policies.  Term policies pay a benefit if the
           insured person dies, but otherwise have no value.  They are
           often provided through an employer or union, but may also
           be bought by individuals.  Cash-value policies also pay a
           death benefit, but differ in that they build up a value as
           premimums are paid.  Other names for types of cash value
           policies are "whole life" and "universal life."

           Are any of your policies individual term insurance?  

           Are any of your family's policies individual term insurance?  

            1.  YES
            5.  NO
            0.  Inap. (no life insurance: X4001^=1)


X4003      What is the current face value of all the term life
           policies that you  have?  

           What is the current face value of all the term life
           policies 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 amount
            0.  Inap. (no life insurance: X4001^=1; no term insurance:
                X4002^=1)

X4004      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: X4001^=1)


X4005      What is the current face value of all of the policies that
           build up a  cash value that you have?  (THE FACE VALUE OF A
           POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.)

           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 amount
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1)


X4006      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.)

           Code amount
           -1.  Nothing
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1)


X4007      Are you borrowing against these policies?

           Are you or your family borrowing against these policies?

            1.  YES
            5.  NO
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1)


X4008      Is the cash value you just gave me the net cash value, that
           is the total cash value minus the loan, or is it the gross
           cash value?

            2.  Gross
            3.  Originally reported net, but edited gross
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy: X4007^=1)


X4009      Did I record these loans earlier in the interview?

            1.  YES
            5.  NO
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy: X4007^=1)


X7645      Where did you tell me about these loans?

            1.  Credit Card
            2.  1st Mortgage
            3.  2nd Mortgage
            4.  Home Equity Loan
            5.  Line of Credit
            6.  Other Real Estate Loan
           -7.  Other
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy:
                X4007^=1; loan not reported earlier: X4009^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8175       Recode: Link code for loan mentioned earlier

            1.  X415
            2.  X416
            3.  X717
            4.  X418
            5.  X7500
            6.  X6648
            7.  X6649
            8.  X6720
            9.  X817
           10.  X917
           11.  X1017 
           12.  X1046
           13.  X1112
           14.  X1123
           15.  X1134
           16.  X1217
           17.  X1728
           18.  X1828
           19.  X1928
           20.  X2220
           21.  X2320
           22.  X2420
           23.  X7171
           24.  X2521
           25.  X2621
           26.  X7823
           27.  X7846
           28.  X7869
           29.  X7923
           30.  X7946
           31.  X7969
           32.  X2725
           33.  X2742
           34.  X2825
           35.  X2842
           36.  X2925 
           37.  X2942
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy:
                X4007^=1; loan not reported earlier: X4009^=1)


X4010      How much is currently borrowed?

           Code amount
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy:
                X4007^=1)


X4011      Typically how much are the payments on these loans?

           Code amount
           -1.  Nothing
           -2.  No typical payment
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy:
                X4007^=1)

X4012      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -1.  Nothing
           -2.  No regular payment
           -7.  Other
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy:
                X4007^=1)


X4013      What is the current annual rate of interest being charged on
           these loans?

           Code percent * 100
           -1.  Nothing
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1; not borrowing on policy:
                X4007^=1)


X4014      How much are the premiums for these policies that build up
           a cash value?

           Code amount
           -1.  Nothing
           -2.  No typical payment
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1)

X4015      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
           And how often is that amount paid?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
           11.  Twice per year
           12.  Bimonthly
           21.  Policy paid up
           -1.  Nothing
           -2.  No typical payment
           -7.  Other
            0.  Inap. (no life insurance: X4001^=1; no cash value
                insurance: X4004^=1)


If R reported having life insurance (X4001=1), but reports no term
insurance (X4002=5) and no whole life insurance (X4004=5), then the
CAPI program asked R the total face value of all types of life
insurance.  R might also have reported having term insurance, DK
whether other insurance is whole life but still know the face value or
the remaining insurance.  If an amount was provided, it was used as a
constraint on the imputation of the face value of term/cash value
insurance.
X4016      Other than this term insurance, what is the current face
           value of all the life insurance you own?

           What is the current face value of all the life insurance
           you own?

           Other than this term insurance, what is the current face
           value of all the life insurance you and your family living
           here own?

           What is the current face value of all the life insurance
           you and your family living here own?

           Code amount
            0.  Inap. (no life insurance: X4001^=1; whole life
                insurance: X4004=1; term insurance and not DK
                existence of whole life insurance: X4002=1 and
                J4004^=2050)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

-----------------------------------------------------------------------------
MISCELLANEOUS ASSETS AND DEBTS
-----------------------------------------------------------------------------
X4017      We have talked about various types of savings, investments,
           and loans.  Other than what I have already recorded, are
           you 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.)
           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.)

            1.  YES
            5.  NO


X4018      Altogether, how much are you owed?

           Code amount
            0.  (R not owed money: X4017^=1)


X4019      Other than pension assets, do you have any other
           substantial assets that I haven't already recorded -- for
           example, artwork, precious metals, antiques, oil and gas
           leases, futures contracts, 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.)

           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, oil and gas leases, futures contracts,
           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


-----------------------------------------------------------------------------
#1 refers to the first misc. asset
#2 refers to the second misc. asset
#3 refers to the third misc. asset
-----------------------------------------------------------------------------
X4020(#1)  About the most valuable of these .. 
X4024(#2)  What kind of asset is it?
X4028(#3)
            1.  Gold
            2.  Silver (incl. silverware)
            3.  Other metals or metals NA type
           10.  Jewelry; gem stones (incl. antique)
           11.  Cars (antique or classic)
           12.  Antiques; furniture
           13.  Art objects; paintings, sculpture, textile art,
                ceramic art, photographs
           14.  (Rare) books
           15.  Coin collections
           16.  Stamp collections
           17.  Guns
           18.  Real estate (exc. cemetery)
           19.  Cemetery plots
           20.  China; figurines; crystal/glassware
           21.  Musical instruments
           22.  Livestock; horses; crops
           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.  Future proceeds from an estate
           66.  Deferred compensation
           71.  Oil/gas/mineral leases or investments
           72.  (Commodity) futures contracts
           73.  Royalties
           74.  Non-publicly traded stock
           75.  Computer
           76.  Equipment/tools, NEC
           77.  Future lottery/prize receipts
           78.  Association or exchange membership
           79.  Other obligations to R; tax credits
           -7.  Other
            0.  Inap. (no misc. assets: X4019^=1; no further misc.
                     assets)
           ******************************************************
              FOR THE PUBLIC DATASET, CODES 14 AND 23 ARE
              COMBINED WITH 12; CODE 61 IS COMBINED WITH 62;
              CODE 65 IS COMBINED WITH 64; CODE 72 HAS BEEN
              COMBINED WITH CODE 71; CODES 77 AND 79 HAVE BEEN
              COMBINED WITH -7.
           ******************************************************


X4022(#1)  What is the total dollar value that you have in
X4026(#2)  this asset?
X4030(#3)
           What is the total dollar value that you and your family
           living here have in this asset?

           Code amount
            0.  Inap. (no misc. assets: X4019^=1/no second asset:
                X4023^=1/no third asset: X4027^=1)


X4023(#2)  Do you have any other such substantial assets?
X4027(#3)
            1.  YES
            5.  NO
            0.  Inap. (no misc. assets: X4019^=1/no third asset:
                X4027^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X4031      Do you owe any other money not recorded earlier?  (WE DO
           NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT
           FAMILY MEMBERS.)

           Do you or anyone in your family living here owe any other
           money not recorded earlier?  (WE DO NOT WANT TO INCLUDE
           LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.)

            1.  YES
            5.  NO


X4032      How much is owed?

           Code amount
            0.  Inap. (no misc. debts: X4031^=1)


-----------------------------------------------------------------------------
ACCOUNTS IN FOREIGN CURRENCY
-----------------------------------------------------------------------------
X7647      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


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
CURRENT MAIN JOB OF HEAD AND SPOUSE/PARTNER
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
#1 refers to current job information for head
#2 refers to current job information for spouse/partner
-----------------------------------------------------------------------------
X7196(#1)  INTERVIEWER: IF SPOUSE/PARTNER IS PRESENT, TRY TO OBTAIN
X7263(#2)  EMPLOYMENT INFORMATION FROM (HIM/HER) DIRECTLY.
           INTERVIEWER:   WHO IS PROVIDING EMPLOYMENT INFORMATION
           ABOUT THE RESPONDENT?

            1.  RESPONDENT
            2.  SPOUSE/PARTNER
            3.  Case was a breakoff/data missing because of iwer/CAPI error
            0.  Inap. (/no spouse)


(#1) X6670 X6671 X6672 X6673 X6674 X6675 X6676 X6677
(#2) X6678 X6679 X6680 X6681 X6682 X6683 X6684 X6685
           We are interested in your (spouse's/partner's) present job
           status.  (Are you/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)

            1.  Working now or on strike
            2.  Temporarily laid off - on sick or other leave; seasonal
                work and not working now
            3.  Unemployed and looking for work
            4.  Student
            5.  Homemaker
            6.  Disabled
            7.  Retired
           10.  Unpaid volunteer
           -7.  Other
            0.  Inap. (no further instances; for R at least the first
                field must be filled out/no spouse or no further
                instances beyond the first field)

           NOTE: CARD 14 contains the following text in a vertical
           column: "Working now or on strike," "Temporarily laid off;
           on sick leave or other type of leave," "Unemployed and
           looking for work," "Student," "Homemaker," "Disabled,"
           "Retired," "Other."


X4101(#1)  (Do you/Does [he/she]) expect to go back to this job?
X4701(#2)
            1.  YES
            5.  NO
            0.  Inap. (not laid off: X6670-X6677^=2/X6678-X6685^=2;/
                no spouse)


X4102(#1)  When did (you/he/she) last work on this job?
X4702(#2)
           Code month
            1.  January
            2.  February
            3.  March
            4.  April
            5.  May
            6.  June
            7.  July
            8.  August
            9.  September
           10.  October
           11.  November
           12.  December
            0.  Inap. (not laid off: X6670-X6677^=2/X6678-X6685^=2;/
                no spouse)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X4103(#1)  Code year (4 digits)
X4703(#2)   0.  Inap. (not laid off: X6670-X6677^=2/X6678-X6685^=2;/
                no spouse)


           When did (you/your spouse/partner) become disabled?

           When did (you/your spouse/partner) retire?

X4104(#1)  Code year (4 digits)
X4704(#2)   0.  Inap. (not retired or disabled: X6670-X6677^=6 or 7/
                X6678-X6685^=6 or 7;/no spouse)

X7197(#1)  Code age
X7264(#2)   0.  Inap. (not retired or disabled: X6670-X6677^=6 or 7/
                X6678-X6685^=6 or 7;/no spouse)

X7198(#1)  Code mumber of years past
X7265(#2)  -1.  1995
            0.  Inap. (not retired or disabled: X6670-X6677^=6 or 7/
                X6678-X6685^=6 or 7;/no spouse)


X4105(#1)  (Are you/Is [he/she]) doing any work for pay at the present
X4705(#2)  time? 

            1.  YES
            5.  NO
            0.  Inap. (any work status working or laid off but not
                expecting to go back: X6670-X6677=1 or X6670-X6677=2
                and X4101=5/X6678-X6685=1 or X6678-X6685=2 and
                X4701=5;/no spouse)

X4100(#1)  Recode: current work status
X4700(#2)
            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
            20.   Temporarily laid off only
            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
            70.   Student only
            80.   Homemaker/other not in labor force only
            85.   Unpaid volunteer
            90.   Unpaid family workers: R's who volunteer that they
                  work in a family business or farm and are unpaid.
                  (Do not include here "volunteer work" for charitable
                  or non-profit organizations.)
            96.   Other combination incl. WORKER
            97.   Other (incl. combination) not including WORKER
           199.   Absent spouse not included in IW
             0.   Inap. (/no spouse)


X4106(#1)  Next are some questions about your (spouse's/partner's)
X4706(#2)  current, main job.  (Do you/Does [he/she]) work for someone
           else, (are you/is [he/she]) self-employed, or what?
           IF R SAYS "I RUN MY OWN BUSINESS", CODE AS SELF-EMPLOYED

            1.  Someone else
            2.  Self-employed; non-corporate business owned by PEU
            3.  Partnership; law firm; medical/dental partnership
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)
           -7.  Other


X7401(#1)  What is the official title of your (spouse's/partner's) job?
X7411(#2)  (The title that (your/her/his) employer uses?)

           What sort of work (do you/does [he/she]) do on
           (your/her/his) job?  (Tell me little more about what (you
           do/[he/she] does).)

           Code Census 1995 3-digit occupation codes
           Code      Occupation
           000-199   MANAGERIAL AND PROFESSIONAL SPECIALTY OCCUPATIONS
           000-037   EXECUTIVE, ADMINISTRATIVE, AND MANAGERIAL OCCUPATIONS
           000-002   Not used
           003       Legislators
           004       Chief executives and general administrators,
                     public administration
           005       Administrators and officials, public administration
           006       Administrators, protective services
           007       Financial managers
           008       Personnel and labor relations managers
           009       Purchasing managers
           010-012   Not used
           013       Managers, marketing, advertising and public relations
           014       Administrators, education and related fields
           015       Managers, medicine and health
           016       Postmasters and mail superintendents
           017       Managers, food serving and lodging establishments
           018       Managers, properties and real estate
           019       Funeral directors
           020       Not used
           021       Managers, service organizations, n.e.c.
           022       Managers and administrators, n.e.c.
           023-037   Management Related Occupations
           023       Accountants and auditors
           024       Underwriters
           025       Other financial officers
           026       Management analysts
           027       Personnel, training, and labor relations specialists
           028       Purchasing agents and buyers, farm products
           029       Buyers, wholesale and retail trade except farm products
           030-032   Not used
           033       Purchasing agents and buyers, n.e.c.
           034       Business and promotion agents
           035       Construction inspectors
           036       Inspectors and compliance officers, except construction
           037       Management related occupations, n.e.c.
           038-042   Not used
           043-199   PROFESSIONAL SPECIALTY OCCUPATIONS
           043-063   Engineers, Architects, and Surveyors
           043       Architects
           044-059   Engineers
           044       Aerospace
           045       Metallurgical and materials
           046       Mining
           047       Petroleum
           048       Chemical
           049       Nuclear
           050-052   Not used
           053       Civil
           054       Agricultural
           055       Electrical and electronic engineers
           056       Industrial
           057       Mechanical
           058       Marine and naval architects
           059       Engineers, n.e.c.
           060-062   Not used
           063       Surveyors and mappin scientists
           064-068   Mathematical and Computer Scientists
           064       Computer systems analysts and scientists
           065       Operations and systems researchers and analysts
           066       Actuaries
           067       Statisticiais
           068       Mathematical scientists, n.e.c.
           069-083   Natural Scientists
           069       Physicists and astronomers
           070-072   Not used
           073       Chemists, except bibchemists
           074       Atmospheric and space scientists
           075       Geologists and geodesists
           076       Physical scientists, n.e.c.
           077       Agricultural and food scientists
           078       Biological and life scientists
           079       Forestry and conservation scientists
           080-082   Not used
           083       Medical scientists
           084-089   Health Diagnosing Occupations
           084       Physicians
           Q85       Dentists
           086       Veterinarians
           087       Optometrists
           088       Podiatrists
           089       Health diagnosing practitioners, n.e.c.
           090-094   Not used
           095-106   Health Assessment and Treating Occupations
           095       Registered nurses
           096       Pharmacists
           097       Dietitians
           098-105   Therapists
           098       Respiratory therapists
           099       Occupational therapists
           100-102   Not used
           103       Physical therapists
           104       Speech therapists
           105       Therapists, n.e.c.
           106       Physicians' assistants
           107-112   Not used
           113-154   Teachers, Postsecondary
           113       Earth, environmental, and marine science teachers
           114       Biological science teachers
           115       Chemistry teachers
           116       Physics teachers
           117       Natural science teachers, n.e.c.
           118       Psychology teachers
           119       Economics teachers
           120-122   Not used
           123       History teachers
           124       Political science teachers
           125       Sociology teachers
           126       Social science teachers, n.e.c.
           127       Engineering teachers
           128       Mathematical science teachers
           129       Computer science teachers
           130-132   Not used
           133       Medical science teachers
           134       Health specialties teachers
           135       Business, commerce, and marketing teachers
           136       Agriculture and forestry teachers
           137       Art, drama, and music teachers
           138       Physical education teachers
           139       Education teachers
           140-142   Not used
           143       English teachers
           144       Foreign language teachers
           145       Law teachers
           146       Social work teachers
           147       Theology teachers
           148       Trade and industrial teachers
           149       Home economics teachers
           150-152   Not used
           153       Teachers, postsecondary, n.e.c.
           154       Postsecondary teachers, subject not specified
           155-159   Teachers, Except Postsecondary
           155       Teachers, prekindergarten and kindergarten
           156       Teachers, elementary school
           157       Teachers, secondary school
           158       Teachers, special education
           159       Teachers, n.e.c.
           160-162   Not used
           163       Counselors, Educational and Vocational
           164-165   Librarians, Archivists, and Curators
           164       Librarians
           165       Archivists and curators
           166-173   Social Scientists and Urban Planners
           166       Economists
           167       Psychologists
           168       Sociologists
           169       Social scientists, n.e.c.
           170-172   Not used
           173       Urban planners
           174-177   Social, Recreation, and Religious Workers
           174       Social workers
           175       Recreation workers
           176       Clergy
           177       Religious workers, n.e.c.
           178-179   Lawyers and Judges
           178       Lawyers
           179       Judges
           180-182   Not used
           183-199   Writers, Artists, Entertainers, and Athletes
           183       Authors
           184       Technical writers
           185       Designers
           186       Musicians and composers
           187       Actors and directors
           188       Painters, sculptors, craft-artists, and artist printmakers
           189       Photographers
           190-192   Not used
           193       Dancers
           194       Artists, performers, and related workers, n.e.c.
           195       Editors and reporters
           196       Not used
           197       Public relations specialists
           198       Announcers 
           199       Athletes 
           200-202   Not used
           203-389   TECHNICAL, SALES, AND ADMINISTRATIVE SUPPORT OCCUPATIONS
           203-235   TECHNICIANS AND RELATED SUPPORT OCCUPATIONS
           203-208   Health Technologists and Technicians
           203       Clinical laboratory technologists and technicians 
           204       Dental hygienists 
           205       Health record technologists and technicians 
           206       Radiologic technicians 
           207       Licensed practical nurses 
           208       Health technologists and technicians, n.e.c. 
           209-212   Not used
           213-235   Technologists and Technicians, Except Health
           213-218   Engineering and Related Technologists and Technicians
           213       Electrical and electronic technicians 
           214       Industrial engineering technicians 
           215       Mechanical engineering technicians 
           216       Engineering technicians, n.e.c. 
           217       Drafting occupations 
           218       Surveying and mapping technicians 
           219-222   Not used
           223-225   Science Technicians
           223       Biological technicians 
           224       Chemical technicians 
           225       Science technicians, n.e.c. 
           226-235   echnicians, Except Health, Engineering, and Science
           226       Airplane pilots and navigators 
           227       Air traffic controllers 
           228       Broadcast equipment operators 
           229       Computer programmers 
           230-232   Not used
           233       Tool programmers, numerical control 
           234       Legal assistants 
           235       Technicians, n.e.c. 
           236-242   Not used
           243-285   SALES OCCUPATIONS
           243       Supervisors and Proprietors, Sales Occupations 
           244-252   Not used
           253-257   Sales Representatives, Finance and Business Services
           253       Insurance sales occupations 
           254       Real estate sales occupations 
           255       Securities and financial services sales occupations 
           256       Advertising and related sales occupations 
           257       Sales occupations, other business services 
           258-259   Sales Representatives, Commodities, Except Retail
           258       Sales engineers
           259       Sales representatives, mining. manuftcturing, and wholesale
           260-262   Not used
           263-278   Sales Workers, Retail and Personal Services
           263       Sales workers, motor vehicles and boats 
           264       Sales workers, apparel 
           265       Sales workers, shoes 
           266       Sales workers, furniture and home furnishings 
           267       Sales workers, radio, TV, hi-fi and appliances 
           268       Sales workers, hardware and building supplies 
           269       Sales workers, parts 
           270-273   Not used
           274       Sales workers, other commodities 
           275       Sales counter clerks 
           276       Cashiers 
           277       Street and door-to-door sales workers 
           278       News vendors 
           279-282   Not used
           283-285   Sales Related Occupations
           283       Demonstrators, promoters and models, sales 
           284       Auctioneers 
           285       Sales support occupations, n.e.c. 
           286-302   Not used
           303-389   ADMINISTRATIVE SUPPORT OCCUPATIONS, INCLUDING CLERICAL
           303-307   Supervisors, Administrative Support Occupations
           303       Supervisors, general office 
           304       Supervisors, computer equipment operators 
           305       Supervisors, financial records processing 
           306       Chief communications operators 
           307       Supervisors, distribution, scheduling, and adjusting clerks
           308-309   Computer Equipment Operators
           308       Computer operators 
           309       Peripheral equipment operators 
           310-312   Not used
           313-315   Secretaries, Stenographers, and Typists
           313       Secretaries 
           314       Stenographers 
           315       Typists 
           316-323   Information Clerks
           316       Interviewers 
           317       Hotel clerks 
           318       Transportation ticket and reservation agents 
           319       Receptionists 
           320-322   Not used
           323       Information clerks, n.e.c. 
           324       Not used
           325-336   Records Processing Occupations, Except Financial
           32S       Classified-ad clerks 
           326       Correspondence clerks 
           327       Order clerks 
           328       Personnel clerks, except payroll and timekeeping 
           329       Library clerks 
           330-334   Not used
           335       File clerks 
           336       Records clerks 
           337-344   Financial Records Processing Occupations
           337       Bookkeepers, accounting, and auditing clerks 
           338       Payroll and timekeeping clerks 
           339       Billing clerks 
           340-342   Not used
           343       Cost and rate clerks 
           344       Billing, posting, and calculating machine operators 
           345-347   Duplicating, Mail and Other Office Machine Operators
           345       Duplicating machine operators 
           346       Mail preparing and paper handling machine operators 
           347       Office machine operators, n.e.c. 
           348-353   Communications Equipment Operators
           348       Telephone operators 
           350-352   Not used
           353       Communications equipment operators, n.e.c. 
           354-357   Mail and Message Distributing Occupations
           354       Postal clerks, except mail carriers 
           355       Mail carriers, postal service 
           356       Mail clerks, except postal service 
           357       Messengers 
           358       Not used
           359-374   Material Recording Scheduling, and Distributing Clerks
           359       Dispatchers 
           360-362   Not used
           363       Production coordinators 
           364       Traffic, shipping, and receiving clerks 
           365       Stock and inventory clerks 
           366       Meter readers 
           367       Not used
           368       Weighers, measurers, checkers, and samplers 
           369-372   Not used
           373       Expediters 
           374       Material recording, scheduling, and distributing
                     clerks, n.e.c. 
           375-378   Adjusters and Investigators
           375       Insurance adjusters, examiners, and investigators 
           376       Investigators and adjusters, except insurance 
           377       Eligibility clerks, social welfare 
           378       Bill and account collectors 
           379-389   Miscellaneous Administrative Support Occupations
           379       General office clerks 
           380-382   Not used
           383       Bank tellers 
           384       Proofreaders 
           385       Data-entry keyers 
           386       Statistical clerks 
           387       Teachers' aides 
           388       Not used
           389       Administrative support occupations, n.e.c. 
           390-402   Not used
           403-469   SERVICE OCCUPATIONS
           403-407   PRIVATE HOUSEHOLD OCCUPATIONS
           403       Launderers and ironers 
           404       Cooks, private household 
           405       Housekeepers and butlers 
           406       Child care workers, private household 
           407       Private household cleaners and servants 
           408-412   Not used
           413-427   PROTECTIVE SERVICE OCCUPATIONS
           413-415   Supervisors, Protective Service Occupations
           413       Supervisors, firefighting and fire prevention occupations
           414       Supervisors, police and detectives 
           415       Supervisors, guards 
           416-417   Firefighting and Fire Prevention Occupations
           416       Fire inspection and fire prevention occupations 
           417       Firefighting occupations 
           418-424   Police and Detectives
           418       Police and detectives, public service 
           419-422   Not used
           423       Sheriffs, bailiffs, and other law enforcement officers 
           424       Correctional institution officers 
           425-432   Guards
           425       Crossing guards 
           426       Guards and police, except public service 
           427       Protective service occupations, n.e.c. 
           428-432   Not used
           433-469   SERVICE OCCUPATIONS, EXCEPT PROTECTIVE AND HOUSEHOLD
           433-444   Food Preparation and Service Occupations
           433       Supervisors, food preparation and service occupations 
           434       Bartenders 
           435       Waiters and waitresses 
           436       Cooks 
           437       Not used
           438       Food counter, fountain and related occupations 
           439       Kitchen workers, food preparation 
           440-442   Not used
           443       Waiters'/waitresses' assistants 
           444       Miscellaneous food preparation occupations 
           445-447   Health Service Occupations
           445       Dental assistants 
           446       Health aides, except nursing 
	           447       Nursing aides, orderlies, and attendants 
           448-455   Cleaning and Building Service Occupations, Except
                     Household
           448       Supervisors, cleaning and building service workers 
           449       Maids and housemen 
           450-452   Not used
           453       Janitors and cleaners 
           454       Elevator operators 
           455       Pest control occupations 
           456-469   Personal Service Occupations
           456       Supervisors, personal service occupations 
           457       Barbers 
           458       Hairdressers and cosmetologists 
           459       Attendants, amusement and recreation facilities 
           460       Not used
           461       Guides 
           462       Ushers
           463       Public transportation attendants 
           464       Baggage porters and bellhops 
           465       Welfare service aides 
           466       Family child care providers 
           467       Early childhood teacher's assistants 
           468       Child care workers, n.e.c. 
           469       Personal service occupations, ne.c. 
           470-472   Not used
           473-499   FARMING, FORESTRY, AND FISHING OCCUPATIONS
           473-476   Farm Operators and Managers
           473       Farmers, except horticultural 
           474       Horticultural specialty farmers 
           475       Managers, farms, except horticultural 
           476       Managers, horticultural specialty farmi 
           477-489   Other Agricultural and Related Occupations
           477-484   Farm Occupations, Except Managerial
           477       Supervisors, farm workers 
           478       Not used
           479       Farm workers 
           480-482   Not used
           483       Marine life cultivation workers 
           484       Nursery workers 
           485-489   Related Agricultural Occupations
           485       Supervisors, related agricultural occupations 
           486       Groundskeepers and gardeners, except farm 
           487       Animal caretakers, except farm 
           488       Graders and sorters, agricultural products 
           489       Inspectors, agricultural products 
           490-493   Not used
           494-496   Forestry and Logging Occupations
           494       Supervisors, forestry and logging workers 
           495       Forestry workers, except logging 
           496       Timber cutting and logging occupations 
           497-499   Fishers, Hunters, and Trappers
           497       Captains and other officers, fishing vessels 
           498       Fishers 
           499       Hunters and trappers 
           500-502   Not used
           503-699   PRECISION PRODUCTION, CRAFT, AND REPAIR OCCUPATIONS
           503-552   Mechanics and Repairers
           503       Supervisors, mechanics and repairers 
           504       Not used
           505-549   Mechanics and Repairers, Except Supervisors
           505-517   Vehicle and Mobile Equipment Mechanics and Repairers
           505       Automobile mechanics 
           506       Automobile mechanic apprentices 
           507       Bus, truck, and stationary engine mechanics 
           508       Aircraft engine mechanics 
           509       Small engine repairers 
           510-513   Not used
           514       Automobile body and related repairers 
           515       Aircraft mechanics, except engine 
           516       Heavy equipment mechanics 
           517       Farm equipment mechanics 
           518       Industrial machinery repairers 
           519       Machinery maintenance occupations 
           520-522   Not used
           523-533   Electrical and Electronic Equipment Repairers
           523       Electronic repairers, communications and industrial equipment 
           524       Not used
           525       Data processing equipment repairers 
           526       Household appliance and power tool repairers 
           527       Telephone line installers and repairers 
           528       Not used
           529       Telephone installers and repairers 
           530-532   Not used
           533       Miscellaneous electrical and electronic equipment repairers
           534       Heating air conditioning, and refrigeration mechanics 
           535-549   Miscellaneous Mechanics and Repairers
           535       Camera, watch, and musical instrument repairers 
           536       Locksmiths and safe repairers 
           537       Not used
           538       Office machine repairers 
           539       Mechanical controls and valve repairers 
           540-542   Not used
           543       Elevator installers and repairers 
           544       Millwrights 
           545-546   Not used
           547       Specified mechanics and repairers, n.e.c. 
           548       Not used
           549       Not specified mechanics and repairers
           550-552   Not used
           553-599   Construction Trades
           553-558   Supervisors, Construction Occupations
           553       Supervisors, brickmasons, stonemasons, and tile setters 
           554       Supervisors, carpenters and related workers 
           555       Supervisors, electricians and power transmission installers
           556       Supervisors, painters, paperhangers, and plasterers
           557       Supervisors, plumbers, pipefitters, and stearnfitters 
           558       Supervisors, construction, n.e.c. 
           559-562   Not used
           563-599   Construction Trades, Except Supervisors
           563       Brickmasons and stonemasons 
           564       Brickmason and stonemason apprentices 
           565       Tile setters, hard and soft 
           566       Carpet installers 
           567       Carpenters 
           568       Not used
           569       Carpenter apprentices 
           570-572   Not used
           573       Drywall installers 
           574       Not used
           575       Electricians 
           576       Electrician apprentices 
           577       Electrical power installers and repairers 
           578       Not used
           579       Painters, construction and maintenance 
           582       Not used
           583       Paperhangers 
           584       Plasterers 
           585       Plumbers, pipefitters, and stearnfitters 
           586       Not used
           587       Plumber, pipefitter, and stearnfitter apprentices 
           588       Concrete and terrazzo finishers 
           589       Glaziers, 
           590-592   Not used
           593       Insulation workers 
           594       Paving. surfacing, and tamping equipment operators 
           595       Roofers 
           596       Sheetmetal. duct installers 
           597       Structural metal workers
           598       Drillers, earth 
           599       Construction trades, nec. 
           600-612   Not used
           613-617   Extractive Occupations
           613       Supervisors, extractive occupations 
           614       Drillers, oil well 
           615       Explosives workers 
           616       Mining machine operators 
           617       Mining occupations, n.e.c. 
           618-627   Not used
           628-699   Precision Production Occupations
           628       Supervisors, production occupations 
           629-633   Not used
           634-655   Precision Metal Working Occupations
           634       Tool and die makers 
           635       Tool and die maker apprentices 
           636       Precision assemblers, metal 
           637       Machinists 
           638       Not used
           639       Machinist apprentices 
           640-642   Not used
           643       Boilermakers 
           644       Precision grinders, filers, and tool sharpeners 
           645       Patternmakers and model makers, metal 
           646       Lay-outworkers 
           647       Precious stones and metals workers (Jewelers)
           648       Not used
           649       Engravers, metal 
           650-652   Not used
           653       Sheet metal workers 
           654       Sheet metal worker apprentices 
           655       Miscellaneous precision metal workers 
           656-659   Precision Woodworking Occupations
           656       Patternmakers and model makers, wood 
           657       Cabinet makers and bench carpenters 
           658       Furniture and wood finishers 
           659       Miscellaneous precision woodworkers 
           660-665   Not used
           666-674   Precision Textile, Apparel, and Furnishings Machine Workers
           666       Dressmakers 
           667       Tailors 
           668       Upholsterers 
           669       Shoe repairers 
           670-673   Not used
           674       Miscellaneous precision apparel and fabric workers 
           675-684   Precision Workers, Assorted Materials
           675       Hand molders and shapers, except jewelers 
           676       Patternmakers, lay-out workers, and cutters 
           677       Optical goods workers 
           678       Dental laboratory and medical appliance technicians 
           679       Bookbinders 
           680-682   Not used
           683       Electrical and electronic equipment assemblers 
           684       Miscellaneous precision workers, nec. 
           685       Not used
           686-688   Precision Food Production Occupations
           686       Butchers and meat cutters 
           687       Bakers 
           688       Food batchmakers 
           689-693   Precision Inspectors, Testers, and Related Workers
           689       Inspectors, testers, and graders 
           690-692   Not used
           693       Adjusters and calibrators 
           694-699   Plant and System Operators
           694       Water and sewage treatment plant operators 
           695       Power plant operators 
           696       Stationary engineers 
           697-698   Not used
           699       Miscellaneous plant and system operators 
           700-702   Not used
           703-889   OPERATORS, FABRICATORS, AND LABORERS
           703-799   MACHINE OPERATORS, ASSEMBLERS, AND INSPECI'ORS
           703-779   Machine Operators and Tenders, Except Precision
           703-715   Metal Working and Plastic Working Machine Operators
           703       Lathe and turning machine set-up operators 
           704       Lathe and turning machine operators 
           705       Milling and planing machine operators 
           706       Punching and stamping press machine operators 
           707       Rolling machine operators 
           708       Drilling and boring machine operators 
           709       Grinding. abrading, buffing, and polishing
                     machine operators
           710-712   Not used
           713       Forging machine operators 
           714       Numerical control machine operators 
           715       Miscellaneous metal, plastic, stone, and glass
                     working machine operators
           716       Not used
           717       Fabricating machine operators, n.e.c. 
           718       Not used
           719-725   Metal and Plastic Processing Machine Operators
           719       Molding and casting machine operators 
           720-722   Not used
           723       Metal plating machine operators 
           724       Heat treating equipment operators 
           725       Miscellaneous metal and plastic processing
                     machine operators
           726-733   Woodworking Machine Operators
           726       Wood lathe, routing, and planing machine operators 
           727       Sawing machine operators 
           728       Shaping and joining machine operators 
           729       Nailing and tacking machine operators 
           730-732   Not used
           733       Miscellaneous woodworking machine operators 
           734-737   Printing Machine Operators
           734       Printing press operators 
           735       Photoengravers and lithographers 
           736       Typesetters and compositors 
           737       Miscellaneous printing machine operators 
           738-749   Textile, Apparel, and Furnishings Machine Operators
           738       Winding and twisting machine operators 
           739       Knitting looping, taping, and weaving machine operators 
           740-742   Not used
           743       Textile cutting machine operators 
           744       Textile sewing machine operators 
           745       Shoe machine operators 
           746       Not used
           747       Pressing machine operators 
           748       Laundering and dry cleaning machine operators 
           749       Miscellaneous textile machine operators 
           750-752   Not used
           753-779   Machine Operators, Assorted Materials
           753       Cementing and gluing machine operators 
           754       Packaging and filling machine operators 
           755       Extruding and forming machine operators 
           756       Mbdng and blending machine operators 
           757       Separating, filtering, and clarffying machine operators 
           758       Compressing and compacting machine operators 
           759       Painting and paint spraying machine operators 
           760-762   Not used
           763       Roasting and baking machine operators, food 
           764       Washing, cleaning and pickling machine operators 
           765       Folding machine operators 
           766       Furnace, kiln, and oven operators, except food 
           767       Not used
           768       Crushing and grinding machine operators 
           769       Slicing and cutting machine operators 
           770-772   Not used
           773       Motion picture protectionists 
           774       Photographic process machine operators 
           775-776   Not used
           777       Miscelk neous machine operators, n.e.c. 
           778       Not used
           779       Machine operators, not specified
           780-782   Not used
           783-795   Fabricators, Assemblers, and Hand Working Occupations
           783       Welders and cutters 
           784       Solderers and brazers 
           785       Assemblers 
           786       Hand cutting and trimming occupations 
           787       Hand molding, casting, and forming occupations 
           798       Not used
           789       Hand painting, coating, and decorating occupations 
           790-792   Not used
           793       Hand engraving and printing occupations 
           794       Not used
           795       Miscellaneous hand working occupations 
           796-799   Production Inspectors, Testers, Samplers, and Weighers
           796       Production inspectors, checkers, and examiners 
           797       Production testers 
           798       Production samplers and weighers 
           799       Graders and sorters, except agricultural 
           800-802   Not used
           803-859   TRANSPORTATION AND MATERIAL MOVING OCCUPATIONS
           803-814   Motor Vehicle Operators
           803       Supervisors, motor vehicle operators 
           804       Truck drivers 
           805       Not used
           806       Driver-sales workers 
           807       Not used
           808       Bus drivers 
           809       Taxicab drivers and chauffeurs 
           810-812   Not used
           813       Parking lot attendants 
           814       Motor transportation occupations, n.e.c. 
           815       Not used
           823-834   Transportation Occupations, Except Motor Vehicles
           823-826   Rail Transportation Occupations
           823       Railroad conductors and yardmasters 
           824       Locomotive operating occupations 
           825       Railroad brake, signal, and switch operators 
           826       Rail vehicle operators, n.e.c. 
           827       Not used
           828-834   Water Transportation Occupations
           828       Ship captains and mates, except fishing boats 
           829       Sailors and deckhands 
           830-832   Not used
           833       Marine engineers 
           834       Bridge, lock, and lighthouse tenders 
           835-842   Not used
           843-959   Material Moving Equipment Operators
           843       Supervisors, material moving equipment operators 
           844       Operating engineers 
           845       Longshore equipment operators 
           846-847   Not used
           848       Hoist and winch operators 
           849       Crane and tower operators 
           850-852   Not used
           853       Excavating and loading machine operators 
           854       Not used
           855       Grader, dozer, and scraper operators
           856       Industrial truck and tractor equipment operators 
           857-858   Not used
           859       Miscellaneous material moving equipment operators 
           860-863   Not used
           864-889   HANDLERS EQUIPMENT CLEANERS, HELPERS, AND LABORERS
           864       Supervisors, handlers, equipment cleaners, and
                     laborers, n.e.c. 
           865       Helpers, mechanics, and repairers 
           866-868   Helpers, Construction, and Extractive Occupations
           866       Helpers, construction trades 
           867       Helpers, surveyor 
           868       Helpers, extractive occupations 
           869       Construction laborers 
           870-873   Not used
           874       Production helpers 
           875-883   Freight, Stock, and Material Handlers
           875       Garbage collectors 
           876       Stevedores 
           877       Stock handlers and baggers 
           878       Machine feeders and offbearers 
           879-882   Not used
           883       Freight, stock, and material handlers, ne.c. 
           884       Not used
           885       Garage and service station related occupations 
           886       Not used
           887       Vehicle washers and equipment cleaners 
           888       Hand packers and packagers 
           889       Laborers, cocept construction 
           890-904   Not used
           905       Assigned to persons whose current labor force
                     status is unemployed and whose last job was Armed
                     Forces.

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (3 <= 3-digit occ. code <=37) THEN occ. code=1;
           ELSE IF (43 <= 3-digit occ. code <=199) THEN occ. code=1;
           ELSE IF (203 <= 3-digit occ. code <=235) THEN occ. code=2;
           ELSE IF (243 <= 3-digit occ. code <=285) THEN occ. code=2;
           ELSE IF (303 <= 3-digit occ. code <=389) THEN occ. code=2;
           ELSE IF (403 <= 3-digit occ. code <=407) THEN occ. code=3;
           ELSE IF (413 <= 3-digit occ. code <=427) THEN occ. code=3;
           ELSE IF (433 <= 3-digit occ. code <=469) THEN occ. code=3;
           ELSE IF (473 <= 3-digit occ. code <=499) THEN occ. code=6;
           ELSE IF (503 <= 3-digit occ. code <=699) THEN occ. code=4;
           ELSE IF (703 <= 3-digit occ. code <=799) THEN occ. code=5;
           ELSE IF (803 <= 3-digit occ. code <=859) THEN occ. code=5;
           ELSE IF (863 <= 3-digit occ. code <=889) THEN occ. code=5;
           ELSE IF (903 <= 3-digit occ. code <=905) THEN occ. code=3;

             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse)


X7402(#1)  What kind of business or industry (do you/does your
X7412(#2)  [spouse/partner]) work in -- that is, what do they make or
           do at the place where (you/he/she) work(s)?

           Code Census 1995 3-digit industry code
           Code      Industry
           000-009   Not used
           010-030   AGRICULTURE
           010       Agricultural production, crops
           O1l       Agricultural production, livestock
           012       Veterinary services
           013-019   Not used
           020       Landscape and horticultural services
           021-029   Not used
           030       Agricultural services, n.e.c.
           031-032   FORESTRY AND FISIHERIES
           031       Forestry
           032       Fishing, hunting, and trapping
           033-039   Not used
           040-050   MINING
           040       Metal mining
           041       Coal mining
           042       Oil and gas extraction
           043-049   Not used
           050       Nonmetallic mining and quarrying, except fuel
           051-059   Not used
           060       CONSTRUCMON
           061-099   Not used
           100-392   MANUFACTURING
           100-222   NONDURABLE GOODS
           100-122   Food and kindred products
           100       Meat products
           101       Dairy products
           102       Canned, frozen and preserved fruits and vegetables
           103-109   Not used
           110       Grain mill products
           111       Bakery products
           112       Sugar and confectionery products
           113-119   Not used
           120       Beverage industries
           121       Miscellaneous food preparations and kindred products
           122       Not specified food industries
           123-129   Not used
           130       Tobacco manufactures
           131       Not used
           132-150   Textile mill products
           132       Knitting mills
           133-139   Not used
           140       Dyeing and finishing textiles, except wool and knit goods
           141       Carpets and rugs
           142       Yarn, thread, and fabric mills
           143-149   Not used
           150       Miscellaneous textile mill products
           151-152   Apparel and other finished textile products
           151       Apparel and accessories, except knit
           152       Miscellaneous fabricated textile products
           153-159   Not used
           160-162   Paper and allied products
           160       Pulp, paper, and paperboard mills
           161       Miscellaneous paper and pulp products
           162       Paperboard containers and boxes
           163-170   Not used
           171-172   Printing, publishing, and allied industries
           171       Newspaper publishing and printing
           172       Printing, publishing and allied industries,
                     except newspapers
           173-179   Not used
           180-192   Chemicals and allied products
           180       Plastics, synthetics, and resins
           181       Drugs
           182       Soaps and cosmetics
           183-189   Not used
           190       Paints, varnishes, and related products
           191       Agricultural chemicals
           192       Industrial and miscellaneous chemicals
           193-199   Not used
           200-201   Petroleum and coal products
           200       Petroleum refining
           201       Miscellaneous petroleum and coal products
           202-209   Not used
           210-212   Rubber and miscellaneous plastics products
           210       Tires and inner tubes
           211       Other rubber products, and plastics footwear and belting
           212       Miscellaneous plastics products
           213-219   Not used
           220       Leather and leather products
           220       Leather tanning and finishing
           221       Footwear, except rubber and plastic
                     Leather products, except footwear
           223-229   Not used
           230-392   DURABLE GOODS
           230-241   Lumber and wood products, except furniture
           230       Logging(241)
           231       Sawmills,planning mills, and millwork
           232       Wood buildings and mobile homes
           233-240   Not used
           241       Miscellaneous wood products
           242       Furniture and fissures
           243-249   Not used
           250-262   tone, clay, glass, and concrete products
           250       Glass and glass products
           251       Cement, concrete, gypsum, and plaster products
           252       Structural clay products
           253-260   Not used
           261       Pottery and related products
           262       Miscellaneous nonmetallic mineral and stone products
           263-269   Not used
           270-301   Metal industries
           270       Blast furnaces, steelworks, rolling and finishing mills
           271       Iron and steel foundries
           272       Primary aluminum industries
           273-279   Not used
           280       Other primary metal industries
                      3369,339)
           281       Cutlery, handtools, and general hardware
           282       Fabricated structural metal products
           283-289   Not used
           290       Screw machine products
           291       Metal forgings and stamping
           292       Ordnance
           293-299   Not used
           300       Miscellaneous fabricated metal products
           301       Not specified metal industries
           302-309   Not used
           310-332   Machinery and computing equipment
           310       Engines and turbines
           311       Farm machinery and equipment
           312       Construction and material handling machines
           313-319   Not used
           320       Metalworking machinery 
           321       Office and accounting machines
           322       Computers and related equipment
           323-330   Not used
           331       Machinery, except electrical, n.e.c.
           332       Not specified machinery
           333-339   Not used
           340-350   Electrical machinery, equipment, and supplies
           340       Household appliances
           341       Radio, TV, and communication equipment
           342       Electrical machinery, equipment, and supplies, n.e.c.
           343-349   Not used
           350       Not specified electrical machinery, equipment, and supplies
           351-370   Transportation equipment
           351       Motor vehicles and motor vehicle equipment
           352       Aircraft and parts
           353-359   Not used
           360       Ship and boat building and repairing
           361       Railroad locomotives and equipment
           362       Guided missiles, space vehicles, and parts
           363-369   Not used
           370       Cycles and miscellaneous transportation equipment
           371-381   Professional and photographic equipment, and watches
           371       Scientific and controlling instruments
           372       Medical, dental, and optical instruments and supplies
           373-379   Not used
           380       Photographic equipment and supplies
           381       Watches, clocks, and clockwork operated devices
           382-389   Not used
           390       Toys, amusement, and sporting goods
           391       Miscellaneous manufacturing industries
           392       Not specified manufacturing industries
           393-399   Not used
           400-472   TRANSPORTATION, COMMUNICATIONS, AND OTHER PUBLIC UTILITIES
           400-432   TRANSPORTATION
           400       Railroads
           401       Bus service and urban transit
           402       Taxicab service
           403-409   Not used
           410       Trucking service
           411       Warehousing and storage
           412       U.S. Postal Service
           413-419   Not used
           420       Water transportation
           421       Air transportation
           422       Pipe lines, except natural gas
           423-431   Not used
           432       Services incidental to transportation
           433-439   Not used
           440-442   COMMUNICATIONS
           440       Radio and television broadcasting and cable
           441       Telephone communications
           442       Telegraph and miscellaneous communications services
           443-449   Not used
           450-472   UTILITIES AND SANITARY SERVICES
           450       Electric light and power
           451       Gas and steam supply systems
           452       Electric and gas, and other combinations
           453-469   Not used
           470       Water supply and irrigation
           471       Sanitary services
           472       Not specified utilities
           473-499   Not used
           500-571   WHOLESALE TRADE
           500-532   Durable Goods
           500       Motor vehicles and equipment
           501       Furniture and home furnishings
           502       Lumber and construction materials
           503-509   Not used
           510       Professional and commercial equipment and supplies
           511       Metals and minerals, except petroleum
           512       Electrical goods
           513-520   Not used
           521       Hardware, plumbing and heating supplies
           522-529   Not used
           530       Machinery, equipment, and supplies
           531       Scrap and waste materials
           532       Miscellaneous wholesale, durable goods
           533-539   Not used
           540-571   Nondurable Goods
           540       Paper and paper products
           541       Drugs, chemicals and allied products
           542       Apparel, fabrics, and notions
           543-549   Not used
           550       Groceries and related products
           551       Farm-product raw materials
           552       Petroleum products
           553-559   Not used
           560       Alcoholic beverages
           561       Farm supplies
           562       Miscellaneous wholesale, nondurable goods
           563-570   Not used
           571       Not specified wholesale trade
           572-579   Not used
           580-691   RETAIL TRADE
           580       Lumber and building material retailing
           581       Hardware stores
           582       Retail nurseries and garden stores
           583-589   Not used
           590       Mobile home dealers
           591       Department stores
           592       Variety stores
           593-599   Not used
           600       Miscellaneous general merchandise stores
           601       Grocery stores
           602       Dairy products stores
           603-609   Not used
           610       Retail bakeries
           611       Food stores, n.e.c.
           612       Motor vehicle dealers
           613-619   Not used                  
           620       Auto and home supp@y stores
           621       Gasoline service stations
           622       Miscellaneous vehicle dealers
           623       Apparel and accessory stores, except shoe
           624-629   Not used
           630       Shoe stores
           631       Furniture and home furnishings stores
           632       Household appliance stores
           633       Radio ,TV, and computer stores
           634-639   Not used
           640       Music stores
           641       Eating and drinking places
           642       Drug stores
           643-649   Not used
           650       Liquor stores
           651       Sporting goods, bicycles, and hobby stores
           652       Book and stationery stores
           653-659   Not used
           660       Jewelry stores
           661       Gift, novelty, and souvenir shops
           662       Sewing, needlework and piece goods stores
           663       Catalog and mail order houses
           664-669   Not used
           670       Vending machine operators
           671       Direct selling establishments
           672       Fuel dealers
           673-680   Not used
           681       Retail florists
           682       Miscellaneous retail stores
           683-690   Not used
           691       Not specified retail trade
           692-699   Not used
           700-712   FINANCE, INSURANCE, AND REAL ESTATE
           700       Banking
           701       Savings institutions, including credit unions
           702       Credit agencies, n.e.c.
           703-709   Not used
           710       Security, commodity brokerage, and investment companies
           711       Insurance
           712       Real estate, including real estate-insurance offices
           713-720   Not used
           721-760   BUSINESS AND REPAIR SERVICES
           721       Advertising
           722       Services to dwellings and other buildings
           723-730   Not used
           731       Personnel supply services
           732       Computer and data processing services 
           733-739   Not used
           740       Detective and protective services
           741       Business services, n.e.c.
           742       Automotive rental and leasing, without drivers
           743-749   Not used
           750       Automotive parking and carwashes.
           751       Automotive repair and related services
           752       Electrical repair shops
           753-759   Not used
           760       Miscellaneous repair services
           761-791   PERSONAL SERVICES
           761       PRIVATE HOUSEHOLDS
           762-791   PERSONAL SERVICES, EXCEPT PRIVATE HOUSEHOLD
           762       Hotels and motels
           763-769   Not used
           770       Lodging places, except hotels and motels
           771       Laundry, cleaning and garment services
           772       Beauty shops
           773-779   Not used
           780       Barber shops
           781       Funeral service and crematories
           782       Shoe repair shops
           783-789   Not used
           790       Dressmaking shops
           791       Miscellaneous personal services
           792-799   Not used
           800-810   ENTERTAINNIENT AND RECREATION SERVICES
           800       Theaters and motion pictures
           801       Video tape rental
           802       Bowling centers
           803-809   Not used
           810       Miscellaneous entertainment and recreation services
           811       Not used
           812-893   PROFESSIONAL AND RELATED SERVICES
           812-840   MEDICAL SERVICES, EXCEPT HOSPITALS
           812       Offices and clinics of physicians
           813-819   Not used
           820       Offices and clinics of dentists
           821       Offices and clinics of chiropractors
           822       Offices and clinics of optometrists
           823-829   Not used
           830       Offices and clinics of health practitioners, n.e.c.
           831       HOSPITALS
           832       Nursing and personal care facilities
           833-839   Not used
           840       Health services, n.e.c.
           841       OTHER PROFESSIONAL SERVICES
           841       Legal services
           842-860   EDUCATIONAL SERVICES
           842       Elementary and secondary schools
           843-849   Not used
           850       Colleges and universities
           851       Vocational schools
           852       Libraries
           853-859   Not used
           860       Educational services, n.e.c.
           861-971   SOCIAL SERVICES
           861       Job training and vocational rehabilitation services
           862       Child day care services
           863       Family child care homes
           864-869   Not used
           970       Residential care facilities, without nursin
           871       Social services, n.e.c.
	   	     
           872-893   OTHER PROFESSIONAL SERVICES
           872       Museums, art galleries, and zoos
           873       Labor unions
           874-879   Not used
           880       Religious organizations
           881       Membership organizations, n.e.c.
           882       Engineering, architectural and surveying services
           883-889   Not used
           890       Accounting auditing, and bookkeeping services
           891       Research, development, and testing services
                     Management and public relations services
           893       Miscellaneous professional and related services
           894-899   Not used
           900-932   PUBLIC ADMINISTRATION
           900       Executive and legislative offices
           901       General government, n.e.c.
           902-909   Not used
           910       Justice, public order, and safety
           911-920   Not used
           921       Public finance, taxation, and monetary policy
           922       Administration of human resources programs
           923-929   Not used
           930       Administration of environmental quality and
                     housing programs
           931       Administration of economic programs
           932       National security and international affairs
           933-939   Not used
           940-960   MILITARY
           940       Army
           941       Air Force
           942       Navy
           943-949   Not used
           950       Marine Corps
           951       Coast Guard
           952       Military, n.f.s.
           953-959   Not used
           960       Military Reserves, n.f.s.
           961-990   Not used
           991       Assigned to persons whose labor force status is
                     unemployed and whose last job was Armed Forces

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (10 <= 3-digit ind. code <=32) THEN ind. code=1;
           ELSE IF (40 <= 3-digit ind. code <=50) THEN ind. code=2;
           ELSE IF (60 <= 3-digit ind. code <=60) THEN ind. code=2;
           ELSE IF (100 <= 3-digit ind. code <=392) THEN ind. code=3;
           ELSE IF (500 <= 3-digit ind. code <=571) THEN ind. code=4;
           ELSE IF (580 <= 3-digit ind. code <=691) THEN ind. code=4;
           ELSE IF (700 <= 3-digit ind. code <=712) THEN ind. code=5;
           ELSE IF (721 <= 3-digit ind. code <=760) THEN ind. code=5;
           ELSE IF (400 <= 3-digit ind. code <=472) THEN ind. code=6;
           ELSE IF (761 <= 3-digit ind. code <=791) THEN ind. code=6;
           ELSE IF (800 <= 3-digit ind. code <=802) THEN ind. code=6;
           ELSE IF (810 <= 3-digit ind. code <=893) THEN ind. code=6;
           ELSE IF (900 <= 3-digit ind. code <=960) THEN ind. code=7;

             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse)



-----------------------------------------------------------------------------
INFORMATION LINKED FROM 1995 CURRENT POPULATION SURVEY BY OCCUPATION CODE
-----------------------------------------------------------------------------
X8112(#1)  Recode: Average for occupation group of fraction of last 52
X8113(#2)  weeks worked; multipled by 10

           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X8114(#1)  Recode: Average for occupation group of hours worked per year
X8115(#2)  in 1995; multiplied by 10

           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X8116(#1)  Recode: Fraction of occupation group unemployed in 1995;
X8117(#2)  multiplied by 1000

           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X8169(#1)  Recode: Unconditional mean wage for occupation group in 1995
X8170(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


           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 fewer than 20 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 data to identify
           these coefficients; for example, a coefficient for the
           [36,55) element of the age spline may be identically zero
           if there are no CPS cases in that age group for the given
           occupation.

X8105(#1)  Recode: 10000 * Intercept
X8106(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8099(#1)  Recode: For age in [1, 35]: 10000 * Coefficient of AGE
X8100(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8101(#1)  Recode: For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
X8102(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8103(#1)  Recode: For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
X8104(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8318(#1)  Recode: 10000 * Coefficient of dummy for part-time employment
X8319(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8320(#1)  Recode: 10000 * Coefficient of dummy for self-emlpoyment
X8321(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8322(#1)  Recode: 10000 * Coefficient of dummy for Hispanic or nonwhite
X8323(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8324(#1)  Recode: 10000 * Coefficient of dummy for 12 years of education
X8325(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8326(#1)  Recode: 10000 * Coefficient of dummy for some college or
X8327(#2)  Associate's degree

           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8328(#1)  Recode: 10000 * Coefficient of dummy for Bachelor's degree
X8329(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8330(#1)  Recode: 10000 * Coefficient of dummy for higher degree than
X8331(#2)  Bachelor's degree

           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8107(#1)  Recode: 10000 * Standard error log regression
X8108(#2)
           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8109(#1)  Recode: Annualized level of expected income from regression
X8111(#2)  (corrected for non-zero expectation of error term for level)

           Code number
           0.  Inap. (/no spouse; no job: X7401=0/X7411=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


-----------------------------------------------------------------------------
X4110(#1)  How many hours (do you/does [he/she]) work on
X4710(#2)  (your/her/his) main job in a normal week?

           Code number of hours
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)


X4111(#1)  INTERVIEWER: READ SLOWLY
X4711(#2)  Counting paid vacations as weeks of work, how many weeks
           (do you/does your [spouse/partner]) work on this job in a
           normal year?

           Code number of weeks
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)


X4125(#1)  How (are you/is [he/she]) paid?  (Are you/Is [he/she]) paid
X4725(#2)  a regular salary or wages?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; not self-employed: X4106^=2 or 3/
                 X4706^=2 or 3)

X4112(#1)  About how much (do you/does [he/she]) earn before taxes
X4712(#2)  on (your/her/his) main job? (NOT SELF-EMPLOYED)

           How much in salary or wages (are you/is [he/she]) paid
           before taxes? (SELF-EMPLOYED)

           Code amount
           -1.  Nothing
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed and not receiving salary:
                 X4106=1 and X4125^=1/X4706=1 and X4725^=1)

X4113(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X4713(#2)  And how often (do you/does [he/she]) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed and not receiving salary:
                 X4106=1 and X4125^=1/X4706=1 and X4725^=1)


X4127(#1)  (Do you/Does [he/she]) also receive a portion of the net
X4727(#2)  earnings, or some other kind of income?

           (Do you/Does [he/she]) receive a portion of the net
           earnings, or some other kind of income?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; not self-employed: X4106^=2 or 3/
                 X4706^=2 or 3)


X4131(#1)  In addition to regular salary, how much (do you/does
X4731(#2)  [he/she]) personally receive from the business before taxes?

           How much (do you/does [he/she]) personally receive from the
           business before taxes?  

           (What did (you/he/she) get in 1994?)

           Code amount
           -1.  Nothing
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; not self-employed: X4106^=2 or 3/
                 X4706^=2 or 3; no net earnings from business:
                 X4127^=1/X4727^=1)

X4132(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X4732(#2)  And how often (do you/does [he/she]) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; not self-employed: X4106^=2 or 3/
                 X4706^=2 or 3; no net earnings from business:
                 X4127^=1/X4727^=1)


X4114(#1)  About how many employees work for this company or
X4714(#2)  organization, including all locations? (Is it fewer than
           10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)

            1.  Less than 10
            2.  10 to 19
            3.  20 to 99
            4.  100 to 499
            5.  500 or MORE
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)


           How many years in total (have you/has [he/she]) worked for
           this employer?

X4115(#1)  Code number of years
X4715(#2)  -1.  Less than one year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)
           *******************************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 60: AGE AND
              YEAR ALTERED ACCORDINGLY
           *******************************************************

X7199(#1)  Code age
X7266(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)

X7679(#1)  Code year (4 digits)
X7706(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)


           How many years (do you/does [he/she]) expect to continue
           working for this employer?

X4116(#1)  Code number of years
X4716(#2)  -1.  Less than a year
           -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)

X7680(#1)  Code age
X7707(#2)  -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                no spouse)

X7200(#1)  Code year (4 digits)
X7267(#2)  -2.  Never stop


X4117(#1)  (Are you/Is [he/she]) covered on this job by a union or
X4717(#2)  employee-association contract?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse)


X7681(#1)  (Do you/Does [he/she]) have any type of insurance other
X7708(#2)  than Social Security, that would help provide (you/her/him)
           with income in the event that (you/he/she) became disabled?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
PENSION FOR HEAD AND SPOUSE/PARTNER FROM CURRENT MAIN JOB
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
#1 refers to current job pension of head
#2 refers to current job pension of spouse/partner
-----------------------------------------------------------------------------
#1a refers to first current job pension of head
#1b refers to seond current job pension of head
#1c refers to third current job pension of head
#1d refers to all remaining current job pensions of head
#2a refers to first current job pension of spouse/partner
#2b refers to seond current job pension of spouse/partner
#2c refers to third current job pension of spouse/partner
#2d refers to all remaining current job pensions of spouse/partner
-----------------------------------------------------------------------------
X4135(#1)  Aside from IRA or KEOGH plans, (are you/is [he/she])
X4735(#2)  included in any pension plans or tax-deferred savings plans
           through (your/her/his) work/the business? (SELF-EMPLOYED)

           Many employers have pension plans, and some provide
           tax-deferred plans such as thrift, savings, 401Ks, profit
           sharing, or stock ownership plans.  Some plans span
           multiple jobs, for example TIAA-CREF, union plans, etc.
           (Are you/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.)  INTERVIEWER:  IF R MENTIONS IRA OR KEOGH PLANS,
           MAKE A NOTE AND SAY: "We covered those earlier in the
           interview.  Here, I just want to find out about other plans
           operated through your (spouse's/partner's) employer." (NOT
           SELF-EMPLOYED)

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse)


X4136(#1)  Does (your/her/his) employer offer any such plans?
X4736(#2)
            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;
                 included in pension plan on main job: X4135=1/X4735=1)


X4137(#1)  (Are you/Is [he/she]) eligible to be included in any of
X4737(#2)  these plans?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;
                 included in pension plan on main job:
                 X4135=1/X4735=1; no such plans: X4136^=1/X4736^=1)


           What kinds of plans are these?  (CHECK ALL THAT APPLY)

X6708(#1)  Savings/Thrift
X6713(#2)

X6709(#1)  401K/403B
X6714(#2)

X6710(#1)  Profit sharing
X6715(#2)

X6711(#1)  Tax-deferred Annuity
X6716(#2)

X6712(#1)  Other
X6717(#2)
            1.  Checked (only for X6708-X6711/X6713-X6716)
            5.  Not checked
                Responses 7-17 valid only for X6712/X6717
            7.  Stock purchase/ESOP
            8.  Deferred compensation
            9.  IRA-SEP (not to be confused with a regular IRA)
           10.  Defined-contribution plan; TIAA-CREF (Teachers
                Insurance and Annuity Association/College Retirement
                Equity Fund)
           11.  Money purchase plan
           17.  Other type of annuity
           13.  Other salary reduction plan
           14.  Other state/local government plan
           15.  Other federal government plan
           16.  Other type of account
           17.  Defined benefit plan
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;
                 included in pension plan on main job:
                 X4135=1/X4735=1; no such plans: X4136^=1/X4736^=1)


X4138(#1)  Will (you/he/she) be eligible if (you/he/she) continue(s)
X4738(#2)           to work for this employer?

            1.  YES
            5.  NO
           -7.  DEPENDS
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;
                 included in pension plan on main job:
                 X4135=1/X4735=1; no such plans: X4136^=1/X4736^=1; 
                 eligible to be included: X4137=1/X4737=1)

X6751(#1)  Code reason DEPENDS
X6761(#2)
           10.  If change to full-time; change employment status/hour/grade
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;
                 included in pension plan on main job:
                 X4135=1/X4735=1; no such plans: X4136^=1/X4736^=1;
                 eligible to be included: X4137=1/X4737=1; answer to future
                 eligibility question not DEPENDS: X4138^=-7/X4738^=-7)


X4139(#1)  In how many different plans of this sort (are you/is
X4739(#2)  [he/she]) included on this job?

            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;
                 no pensions: X4135^=1/X4735^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           *********************************************


X4140(#1)  (Are you/Is [he/she]) currently receiving retirement
X4740(#2)  payments from any pension plans from this job?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; no pensions: X4135^=1/X4735^=1)


X4141(#1)  I'll ask you about the payments later.  Are there any
X4741(#2)  retirement or savings plans from this job where (you
           are/[he/she] is) not yet drawing benefit payments?
            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; no pensions: X4135^=1/X4735^=1)


X6698(#1)  Originally reported value of X4201 (see introduction)
X6699(#2)  Originally reported value of X4801 (see introduction)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           *********************************************

X4201(#1)  How many such plans (do you/does your [spouse/partner]) have?
X4801(#2)
           Code number of plans
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; no pensions: X4135^=1/X4735^=1; no plans
                 where not currently drawing benefits: X4141^=1/X4741^=1)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           *********************************************


X4202(#1a)  Is this a pension or retirement plan, or a tax-deferred
X4302(#1b)  saving plan of some sort?
X4402(#1c)
X4802(#2a)  About the most important of these plans, is it a pension or
X4902(#2b)  tax-deferred saving plan of some sort?
X5002(#2c)
            About the next most important of these plans, is it a pension or 
            retirement plan, or a tax-deferred savings plan of some sort?

             1.  Pension or retirement
             2.  Tax-deferred savings
            15.  Other federal government plan
            17.  Other type of annuity/defined benefit plan
            19.  Other state/local government plan
            35.  Combination plan
            -7.  OTHER
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; no pensions: X4135^=1/X4735^=1; no plans
                 where not currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3)


X4203(#1a)  (SHOW CARD 15)
X4303(#1b)  I would like to know what general type of plan this is.
X4403(#1c)  In the most common pension or retirement plan, the monthly
X4803(#2a)  retirement benefit paid is based on a formula usually
X4903(#2b)  involving age, years of service, and salary.  In other
X5003(#2c)  plans, money is accumulated in an account for
            (you/her/him) until (your/her/his) retirement.  Is this
            plan like the formula plan or account plan?

             1.  Formula
             2.  Account
             3.  Both
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; no pensions: X4135^=1/X4735^=1; no plans
                 where not currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3)

            NOTE: CARD 15 contained the three large blocks of text
            centered in a vertical column: Under the heading "FORMULA
            PLAN" is printed "The monthly retirement benefit is usally
            based on a formula involving age, years of work and final
            salary.  Sometimes called a 'defined-benefit' plan".
            Under the heading "ACCOUNT PLAN" is printed "Money is
            accumulated in an account for you until retirement.  For
            example: TIAA/CREF. 401(k) and 403(b) plans, thrift plans
            or ESOPs, defined contribution plans, salary-reduction
            plans, etc."  Under the heading "COMBINATION OF BOTH
            TYPES" is printed "Some combination plans allow employees
            to take a lump sum settlement instead od regular
            retirement benefits if they leave the employer before
            retirement age.  The most common such plan is the
            pre-1984 Federal pension plan or CSRS."  Printed below
            these items is "If you have both a formula and an account
            plan, please report them separately."


X4204(#1a)  For that part of your (spouse's/partner's) plan where
X4304(#1b)  money is accumulated in an account, how much is in the
X4404(#1c)  account?
X4804(#2a)
X4904(#2b)  Code amount
X5004(#2c)  -1.  Nothing
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; no pensions: X4135^=1/X4735^=1; no plans
                 where not currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 type of plan is not "both": X4203^=3/X4303^=3/X4404^=3/
                 X4803^=3/X4903^=3/X5003^=3)


X7205(#1a)  Can (you/he/she) borrow against that account?
X7214(#1b)
X7223(#1c)   1.  YES
X7272(#2a)   5.  NO
X7281(#2b)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7290(#2c)       no spouse; no pensions: X4135^=1/X4735^=1; no plans
                 where not currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 type of plan is not "both": X4203^=3/X4303^=3/X4404^=3/
                 X4803^=3/X4903^=3/X5003^=3)


            How long (have you/has [he/she]) been in the plan?

X7685(#1a)  Code number of years
X7687(#1b)  -1.  Less than a year
X7689(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7712(#2a)       no spouse; no pensions: X4135^=1/X4735^=1; no plans where
X7714(#2b)       not currently drawing benefits: X4141^=1/X4741^=1;
X7716(#2c)       no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2)


X7206(#1a)  Code age
X7215(#1b)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7224(#1c)       no spouse; 
X7273(#2a)       no pensions: X4135^=1/X4735^=1; no plans where not
X7282(#2b)       currently drawing benefits: X4141^=1/X4741^=1;
X7291(#2c)       no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2)

X7207(#1a)  Code year (4 digits)
X7216(#1b)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7225(#1c)       no spouse; 
X7274(#2a)       no pensions: X4135^=1/X4735^=1; no plans where not
X7283(#2b)       currently drawing benefits: X4141^=1/X4741^=1;
X7292(#2c)       no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2)


X4205(#1a)  (Do you/Does [he/she]) currently make contributions to
X4305(#1b)  this plan?  IF R ASKS, INCLUDE CONTRIBUTIONS THROUGH
X4405(#1c)  SALARY DEDUCTIONS, UNION DUES OR OTHER SOURCES
X4805(#2a)   1.  YES
X4905(#2b)   5.  NO
X5005(#2c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2)


            What percent of (your/her/his) pay or amount of money per
            month or year (do you/does [he/she]) currently contribute?

X4206(#1a)  Code percent * 100
X4306(#1b)  -2.  Cannot convert amount to percent (negative or zero income)
X4406(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4806(#2a)       no spouse; 
X4906(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not 
X5006(#2c)       currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not make personal
                 contributions: X4205^=1/X4305^=1/X4405^=1/X4805^=1/
                 X4905^=1/X5005^=1)

X4207(#1a)  Code amount
X4307(#1b)  -2.  Cannot convert amount to percent (negative or zero income)
X4407(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4807(#2a)       no spouse; 
X4907(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not 
X5007(#2c)       currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not make personal
                 contributions: X4205^=1/X4305^=1/X4405^=1/X4805^=1/
                 X4905^=1/X5005^=1)

X4208(#1a)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X4308(#1b)  And how often did (you/he/she) contribute that amount?
X4408(#1c)
X4808(#2a)  Code frequency
X4908(#2b)   1.  Day
X5008(#2c)   2.  Week
             3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
             8.  Lump sum/one payment only
            11.  Twice per year; every six months
            12.  Bimonthly
            14.  By the job/piece
            18.  Hour
            22.  Varies
            -1.  Nothing
            -2.  Cannot convert amount to percent (negative or zero income)
            -7.  Other number or interval
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not make personal
                 contributions: X4205^=1/X4305^=1/X4405^=1/X4805^=1/
                 X4905^=1/X5005^=1)

            Where possible, X4112/X4712 was used to compute the
            percent when the amount was given (and vice versa).  Where
            X4112/X4712 was negative or zero, and X4112+X4131/X4712+X4731
            was positive, the latter figure was used to make the conversion.


            At what age (do you/does your [spouse/partner]) expect to
            start receiving benefits from this plan?

X4209(#1a)  Code age
X4309(#1b)  -2.  Do not expect benefits
X4409(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4809(#2a)       no spouse; 
X4909(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not 
X5009(#2c)       currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2)

X7686(#1a)  Code number of years
X7688(#1b)  -2.  Do not expect benefits
X7690(#1c)  -1.  Less than a year
X7713(#2a)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7715(#2b)       no spouse; 
X7717(#2c)       no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2)

X7208(#1a)  Code year (4 digits)
X7217(#1b)  -2.  Do not expect benefits
X7226(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7275(#2a)       no spouse; 
X7284(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not 
X7293(#2c)       currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2)


            About how much (do you/does [he/she]) expect
            (your/her/his) benefits to be?  (As a proportion of
            (your/her/his) pay at retirement, or as an amount per
            month or year when (you/he/she) start(s) receiving them?)

X4210(#1a)  Code amount
X4310(#1b)  0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4410(#1c)       no spouse; 
X4810(#2a)       no pensions: X4135^=1/X4735^=1; no plans where not 
X4910(#2b)       currently drawing benefits: X4141^=1/X4741^=1;
X5010(#2c)       no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not expect benefits:
                 X4209=-1/X4309=-1/X4409-01/X4809=-1/X4909=-1/X5009=-1;
                 percent benefit figure given: X4212^=0/X4312^=0/
                 X4412^=0/X4812^=0/X4912^=0/X5012^=0)

X4211(#1a)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X4311(#1b)  and how often would (you/he/she) receive that amount?
X4411(#1c)
X4811(#2a)  Code frequency
X4911(#2b)   1.  Day
X5011(#2c)   2.  Week
             3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
             8.  Lump sum/one payment only
            11.  Twice per year; every six months
            12.  Bimonthly
            14.  By the job/piece
            18.  Hour
            22.  Varies
            -7.  Other number or interval
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not expect benefits:
                 X4209=-1/X4309=-1/X4409-01/X4809=-1/X4909=-1/X5009=-1;
                 percent benefit figure given: X4212^=0/X4312^=0/
                 X4412^=0/X4812^=0/X4912^=0/X5012^=0)

X4212(#1a)   Code percent
X4312(#1b)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4412(#1c)       no spouse; 
X4812(#2a)       no pensions: X4135^=1/X4735^=1; no plans where not 
X4912(#2b)       currently drawing benefits: X4141^=1/X4741^=1;
X5012(#2c)       no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not expect benefits:
                 X4209=-1/X4309=-1/X4409-01/X4809=-1/X4909=-1/X5009=-1;
                 dollar benefit figure given: X4210^=0/X4310^=0/
                 X4410^=0/X4810^=0/X4910^=0/X5010^=0)


X4213(#1a)  If (you/your spouse/partner) were to leave this job now,
X4313(#1b)  would (you/he/she) start receiving a monthly or annual
X4413(#1c)  pension benefit now, would (you/he/she) receive one later,
X4813(#2a)  would (you/he/she) get a cash settlement now, would
X4913(#2b)  (you/he/she) get nothing, or what?
X5013(#2c)
            If (you/your spouse/partner) were to sell this business
            now, would (you/he/she) start receiving a monthly or
            annual pension benefit now, would (you/he/she) receive one
            later, would (you/he/she) get a cash settlement now, would
            (you/he/she) get nothing, or what?

            If (you/your spouse/partner) were to (leave this job/sell
            this business) now, would (you/he/she) start receiving a
            monthly or annual pension benefit now, would (you/he/she)
            receive one later, would (you/he/she) get a cash settlement now, 
            would (you/he/she) get nothing, or what?

             1.  Benefit now
             2.  Benefit later
             3.  Cash settlement/lump sum
             4.  Nothing 
             6.  ROLLOVER
             7.  Cash settlement and monthly pension
             8.  Choice of Payment Method
            -7.  Other
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not expect benefits:
                 X4209=-1/X4309=-1/X4409-01/X4809=-1/X4909=-1/X5009=-1)


X4214(#1a)  About how much would (you/he/she) receive?
X4314(#1b)
X4414(#1c)  Code amount
X4814(#2a)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4914(#2b)       no spouse; 
X5014(#2c)       no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not expect benefits:
                 X4209=-1/X4309=-1/X4409-01/X4809=-1/X4909=-1/X5009=-1)

X7691(#1a)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X7692(#1b)  And how often would (you/he/she) receive that amount?
X7693(#1c)
X7718(#2a)  Code frequency
X7719(#2b)   1.  Day
X7720(#2c)   2.  Week
             3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
             8.  Lump sum/one payment only
            11.  Twice per year; every six months
            12.  Bimonthly
            14.  By the job/piece
            18.  Hour
            22.  Varies
            -7.  Other number or interval

             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is account type: X4203=2/X4303=2/X4404=2/
                 X4803=2/X4903=2/X5003=2; does not expect benefits:
                 X4209=-1/X4309=-1/X4409-01/X4809=-1/X4909=-1/X5009=-1)


X4216(#1a)  Can you tell me a little more about this plan?
X4316(#1b)  Is it a thrift or savings plan, a 401K, Supplemental
X4416(#1c)  Retirement Annuity (SRA), a profit-sharing plan, or what?
X4816(#2a)
X4916(#2b)   1.  Thrift or Savings
X5016(#2c)   2.  401K/403B/SRA
             3.  Profit Sharing
             4.  Stock purchase/ESOP
             7.  Deferred compensation
            11.  IRA-SEP (not to be confused with a regular IRA)
            12.  Defined-contribution plan; TIAA-CREF (Teachers
                 Insurance and Annuity Association/College Retirement
                 Equity Fund)
            13.  Money purchase plan
            14.  Tax-deferred annuity (TDA); tax-sheltered annuity (TSA)
            17.  Other type of annuity
            18.  Other salary reduction plan
            24.  Other state/local government plan
            25.  Other federal government plan
            26.  Other type of account
            -7.  Other; combination
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


            For how many years altogether (have you/has [he/she]) been
            included in this plan?  (INCLUDE YEARS WITH OTHER
            EMPLOYERS, IF SAME PLAN.)

X4217(#1a)  Code number of years
X4317(#1b)  -1.  Less than a year
X4417(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4817(#2a)       no spouse; 
X4917(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not 
X5017(#2c)       currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)

X7209(#1a)  Code age
X7218(#1b)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7227(#1c)       no spouse; 
X7276(#2a)       no pensions: X4135^=1/X4735^=1; no plans where not 
X7285(#2b)       currently drawing benefits: X4141^=1/X4741^=1;
X7294(#2c)       no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)

X7210(#1a)  Code year (4 digits)
X7219(#1b)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X7228(#1c)       no spouse; 
X7277(#2a)       no pensions: X4135^=1/X4735^=1; no plans where not 
X7286(#2b)       currently drawing benefits: X4141^=1/X4741^=1;
X7295(#2c)       no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


X4218(#1a)  Does your (spouse's/partner's) employer make contributions
X4318(#1b)  to this plan?
X4418(#1c)
X4818(#2a)  Does the business make contributions to this plan?
X4918(#2b)
X5018(#2c)  [Does your (spouse's/partner's) employer/Does the business]
            make contributions to this plan?

             1.  YES
             5.  NO
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


            What percent of (your/her/his) pay or amount of money per
            month or year does (your/her/his) employer currently contribute?

X4219(#1a)  Code percent * 100
X4319(#1b)  -1.  Nothing
X4419(#1c)  -2.  Cannot convert amount to percent (negative or zero income)
X4819(#2a)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4919(#2b)       no spouse; 
X5019(#2c)       no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; employer not contributing:
                 X4218^=1/X4318^=1/X4418^=1/X4818^=1/X4918^=1/X5018^=1)

            Where possible, X4112/X4712 was used to compute the
            percent when the amount was given (and vice versa).  Where
            X4112/X4712 was negative or zero, and X4112+X4131/X4712+X4731
            was positive, the latter figure was used to make the conversion.

X4220(#1a)  Code amount
X4320(#1b)  -1.  Nothing
X4420(#1c)  -2.  Cannot convert amount to percent (negative or zero income)
X4820(#2a)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
X4920(#2b)       no spouse; 
X5020(#2c)       no pensions: X4135^=1/X4735^=1; no plans where not 
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; employer not contributing:
                 X4218^=1/X4318^=1/X4418^=1/X4818^=1/X4918^=1/X5018^=1)

X4221(#1a)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X4321(#1b)  And how often did (you/he/she) contribute that amount?
X4421(#1c)
X4821(#2a)  Code frequency
X4921(#2b)   1.  Day
X5021(#2c)   2.  Week
             3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
             8.  Lump sum/one payment only
            11.  Twice per year; every six months
            12.  Bimonthly
            14.  By the job/piece
            18.  Hour
            22.  Varies
            -1.  Nothing
            -2.  Cannot convert amount to percent (negative or zero income)
            -7.  Other number or interval
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/       
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not         
                 currently drawing benefits: X4141^=1/X4741^=1;             
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:        
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;   
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/      
	         X4803^=2/X4903^=2/X5003^=2; employer not contributing:     
                 X4218^=1/X4318^=1/X4418^=1/X4818^=1/X4918^=1/X5018^=1)     


X4231(#1a)  If (you/your spouse/partner) needed money in an emergency,
X4331(#1b)  could (you/he/she) withdraw some of the funds in the account? 
X4431(#1c)  (CODE "YES" EVEN IF WITHDRAWAL INVOLVES PENALTY.)
X4831(#2a)
X4931(#2b)   1.  YES
X5031(#2c)   5.  NO
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not
                 currently drawing benefits: X4141^=1/X4741^=1;
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


X4227(#1a)  Can (you/he/she) borrow against the account?
X4327(#1b)
X4427(#1c)   1.  YES
X4827(#2a)   5.  NO
X4927(#2b)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
X5027(#2c)       no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)
          

X4228(#1a)  (Do you/Does [he/she]) currently have a loan against the
X4328(#1b)  account?
X4428(#1c)
X4828(#1a)   1.  YES
X4928(#2b)   5.  NO
X5028(#2c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; borrowing not allowed:
                 X4227^=1/X4327^=1/X4427^=1/X4827^=1/X4927^=1/X5027^=1)


X4229(#1a)  What is the amount of the loan balance?
X4329(#1b)
X4429(#1c)  Code amount
X4829(#2a)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
X4929(#2b)       no spouse; 
X5029(#2c)       no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; borrowing not allowed:
                 X4227^=1/X4327^=1/X4427^=1/X4827^=1/X4927^=1/X5027^=1;
                 no loan on account: X4228^=1/X4328^=1/X4428^=1/X4828^=1/
                 X4928^=1/X5028^=1)


X4230(#1a)  Did you tell me about this loan earlier?
X4330(#1b)
X4430(#1c)   1.  YES
X4830(#2a)   4.  R reported YES, but no apparent match in data
X4930(#2b)   5.  NO
X5030(#2c)   6.  R reported YES, partially recorded earlier
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; borrowing not allowed:
                 X4227^=1/X4327^=1/X4427^=1/X4827^=1/X4927^=1/X5027^=1;
                 no loan on account: X4228^=1/X4328^=1/X4428^=1/X4828^=1/
                 X4928^=1/X5028^=1)
            NOTE: where (X4230 X4330 X4430 X4830 X4930 X5030)=1,
            the amount of the loan is not edited out of the
            earlier location.  See model SAS code definition of
            net worth later in this codebook for one possible
            treatment.


X7694(#1a)  Where did you tell me about this loan?
X7695(#1b)
X7696(#1c)   1.  Credit card
X7721(#2a)   2.  1st Mortgage
X7722(#2b)   3.  2nd Mortgage
X7723(#2c)   4.  Home Equity Loan
             5.  Line of Credit
             6.  Other Real Estate Loan
             8.  vehicle loan
             9.  education loan
            10.  Other consumer loans (X2710 etc.)
            11.  "Other loans" (X4032)
            12.  Remodeling loan
            13.  More than one mortgage on principal residence
            14.  Combination of line of credit and other real estate loan
            -7.  Other
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; borrowing not allowed:
                 X4227^=1/X4327^=1/X4427^=1/X4827^=1/X4927^=1/X5027^=1;
                 no loan on account: X4228^=1/X4328^=1/X4428^=1/X4828^=1/
                 X4928^=1/X5028^=1; did not report loan earlier:
                 X4230^=1/X4330^=1/X4430^=1/X4830^=1/X4930^=1/X5030^=1)


X7211(#1a)  How much are the payments?
X7220(#1b)
X7229(#1c)  Code amount
X7278(#2a)  -1.  Nothing
X7287(#2b)  -2.  No typical payments
X7296(#2c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; borrowing not allowed:
                 X4227^=1/X4327^=1/X4427^=1/X4827^=1/X4927^=1/X5027^=1;
                 no loan on account: X4228^=1/X4328^=1/X4428^=1/X4828^=1/
                 X4928^=1/X5028^=1)

X7212(#1a)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X7221(#1b)  And how often are the payments made?
X7230(#1c)
X7279(#2a)  Code frequency
X7288(#2b)   2.  Week
X7297(#2c)   3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
             8.  Lump sum/one payment only
            11.  Twice per year
            12.  Bimonthly
            14.  By the job/piece
            18.  Hour
            22.  Varies
            -1.  Nothing
            -2.  No regular payment
            -7.  Other
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; borrowing not allowed:
                 X4227^=1/X4327^=1/X4427^=1/X4827^=1/X4927^=1/X5027^=1;
                 no loan on account: X4228^=1/X4328^=1/X4428^=1/X4828^=1/
                 X4928^=1/X5028^=1)


X4222(#1a)  Not including repayment of the loan,
X4322(#1b)
X4422(#1c)  (Do you/Does [he/she]) currently make contributions to
X4822(#2a)  this plan?
X4922(#2b)  INTERVIEWER:    IF R ASKS, INCLUDE CONTRIBUTIONS THROUGH
X5022(#2c)  SALARY DEDUCTIONS, UNION DUES OR OTHER SOURCES

             1.  YES
             5.  NO
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


            Not including repayment of the loan,

            What percent of your (spouse's/partner's) pay or amount of
            money per month or year (do you/does your
            [spouse/partner]) currently contribute?

X4223(#1a)  Code percent * 100
X4323(#1b)  -2.  Cannot convert amount to percent (negative or zero income)
X4423(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
X4823(#2a)       no spouse; 
X4923(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not      
X5023(#2c)       currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; does not contribute to pension:
                 X2822^=1/X4322^=1/X4422^=1/X4822^=1/X4922^=1/X5022^=1)

X4224(#1a)  Code amount
X4324(#1b)  -2.  Cannot convert amount to percent (negative or zero income)
X4424(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
X4824(#2a)       no spouse; 
X4924(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not      
X5024(#2c)       currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; does not contribute to pension:
                 X2822^=1/X4322^=1/X4422^=1/X4822^=1/X4922^=1/X5022^=1)

X4225(#1a)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X4325(#1b)  And how often did (you/he/she) contribute that amount?
X4425(#1c)
X4825(#2a)  Code frequency
X4925(#2b)   1.  Day
X5025(#2c)   2.  Week
             3.  Biweekly
             4.  Month
             5.  Quarter
             6.  Year
             8.  Lump sum/one payment only
            11.  Twice per year; every six months
            12.  Bimonthly
            14.  By the job/piece
            18.  Hour
            22.  Varies
            -1.  Nothing
            -2.  Cannot convert amount to percent (negative or zero income)
            -7.  Other number or interval
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; does not contribute to pension:
                 X2822^=1/X4322^=1/X4422^=1/X4822^=1/X4922^=1/X5022^=1)

            Where possible, X4112/X4712 was used to compute the
            percent when the amount was given (and vice versa).  Where
            X4112/X4712 was negative or zero, and X4112+X4131/X4712+X4731
            was positive, the latter figure was used to make the conversion.

X4226(#1a)  How much money is in your (spouse's/partner's) account at
X4326(#1b)  present?
X4426(#1c)
X4826(#2a)  Code amount
X4926(#2b)  -1.  Nothing
X5026(#2c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


X4232(#1a)  If (you/your spouse/partner) were to leave this job now,
X4332(#1b)  would (you/he/she) lose all, some, or none of the money in
X4432(#1c)  this account?
X4832(#2a)
X4932(#2b)  If (you/your spouse/partner) were to sell the business
X5032(#2c)  now, would (you/he/she) lose all, some, or none of the
            money in this account?

            If (you/your spouse/partner) were to (leave this job/sell
            the business) now, would (you/he/she) lose all, some, or
            none of the money in this account?

             1.  LOSE ALL
             3.  LOSE SOME
             5.  LOSE NONE
            -7.  OTHER
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


            What proportion would (you/he/she) lose?

X4233(#1a)  Code percent * 100
X4333(#1b) -1.  Nothing
X4433(#1c)  0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
X4833(#2a)       no spouse; 
X4933(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not      
X5033(#2c)       currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; would lose none: X4232=5/
                 X4332=5/X4432=5/X4832=5/X4932=5/X5032=5)

X7697(#1a)  Code amount
X7698(#1b)  -1.  Nothing
X7699(#1c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
X7724(#2a)       no spouse; 
X7725(#2b)       no pensions: X4135^=1/X4735^=1; no plans where not      
X7726(#2c)       currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2; would lose none: X4232=5/
                 X4332=5/X4432=5/X4832=5/X4932=5/X5032=5)


X4234(#1a)  How is the money in this account invested?  Is it mostly
X4334(#1b)  in stocks, mostly in interest earning assets, is it split
X4434(#1c)  between these, or what?
X4834(#2a)
X4934(#2b)   1.  Mostly or all stock; stock in company
X5034(#2c)   2.  Mostly or all interest earning; guaranteed; cash;
                 bank account
             3.  Split between stock and interest earning assets
             4.  Real estate
             5.  Insurance / Retirement Plan
            -7.  Other
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


X7213(#1a)  (Do you/Does [he/she]) have any choices about how the
X7222(#1b)  money is invested?
X7231(#1c)
X7280(#2a)   1.  YES
X7289(#2b)   5.  NO
X7298(#2c)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 no pensions: X4201<1/X4801<1/fewer than 2 pensions:     
                 X4201<2/X4802<2/fewer than 3 pensions: X42012<3/X4802<3;
                 plan is not account type: X4203^=2/X4303^=2/X4404^=2/
                 X4803^=2/X4903^=2/X5003^=2)


X4436(#1d)  Altogether, how much (do you/does your [spouse/partner])
X5036(#2d)  have in (your/her/his) account

            balance for any other pension plan or savings plan from this job?

            balances for any other pension plans or savings plans from
            this job?

            Code amount
            -1.  Nothing
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; 
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 fewer than 4 pensions: X4201<4/X4801<4)

X8449(#1d)  Original value of remaining total for Rs who did not
X8450(#2d)  provide complete information within the grid structure (see
            introduction)

            Code amount
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; no pensions: X4135^=1/X4735^=1; no plans
                 where not currently drawing benefits:
                 X4141^=1/X4741^=1; did not break off early in grid)


X4437(#1d)  Altogether, what other retirement payments (do you/does
X5037(#2d)  [he/she])

            expect to receive from this other pension plan from this job?

            expect to receive from these other pension plans from this job?

             1.  Thrift or Savings
             2.  401K/403B/SRA
             3.  Profit sharing
             4.  Stock purchase/ESOP
             7.  Deferred compensation
            11.  IRA-SEP (not to be confused with a regular IRA)
            12.  Defined-contribution plan; TIAA-CREF (Teachers
                 Insurance and Annuity Association/College Retirement
                 Equity Fund)
            13.  Money purchase plan
            14.  Tax-deferred savings/annuity (TDA); tax-sheltered
                 annuity (TSA) 
            17.  Other type of annuity
            18.  Other salary reduction plan
            24.  Other state/local government plan
            25.  Other federal government plan
            26.  Other type of account
            27   Combination                                              
            -7.  Other type of annuity/defined benefit plan
             0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                 no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;    
                 no pensions: X4135^=1/X4735^=1; no plans where not      
                 currently drawing benefits: X4141^=1/X4741^=1;          
                 fewer than 4 pensions: X4201<4/X4801<4)


X7232(#1)  Does (your/her/his) employer offer any kind of tax-deferred
X7299(#2)  savings, 401K, or other such account plans for which (you
           are/[he/she] is) eligible but choose not to participate in?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; self-employed: X4106=2 or 3/X4706=2 or 3;    
                no pensions: X4135^=1/X4735^=1; no plans where not      
                currently drawing benefits: X4141^=1/X4741^=1;          
                at least one account-type plan: X4203=2 or X4303=2 or
                X4403=2/X4803=2 or X4903=2 or X5003=2)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
SECOND JOB OF HEAD AND SPOUSE/PARTNER
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
#1 refers to second job of head
#2 refers to second job of spouse/partner
-----------------------------------------------------------------------------
X4501(#1)  (Are you/Is [he/she]) doing any work for pay now, other
X5101(#2)  than (your/her/his) main job, such as a second job, the
           military services, or (another) business of (your/her/his) own?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse)


           Is this a second job, the military services, your
           (spouse's/partner's) own business, or what?  (CODE ALL THAT
           APPLY)

X4502(#1)  Second job
X5102(#2)

X4503(#1)  Military
X5103(#2)

X4504(#1)  Business
X5104(#2)

X4505(#1)  Other
X5105(#2)

            1.  Checked (only for X4502-X4504/X5102-X5104)
            5.  Not checked
            Other non-inap responses for X4505/X5105 only
            6.  Consultant
            7.  Director; board member
            8.  Hobby
            9.  Manage investments/real estate
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; no second job: X4501^=1/X5101^=1)


X4507(#1)  How many hours (do you/does [he/she]) work on these jobs
X5107(#2)
           How many hours (do you/does [he/she]) work on this job
           in a normal week?

           Code number
           -1.  None
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; no second job: X4501^=1/X5101^=1)


X4508(#1)  Counting paid vacations as weeks of work, how many weeks
X5108(#2)  (do you/does [he/she]) work on these jobs in a normal year?

           Code number
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; no second job: X4501^=1/X5101^=1)


X4509(#1)  About how much (do you/does [he/she]) earn before taxes
X5109(#2)  from these other jobs?

           Code amount
           -1.  Nothing
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; no second job: X4501^=1/X5101^=1)

X4510(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5110(#2)  And how often (do you/does [he/she]) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; no second job: X4501^=1/X5101^=1)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
EMPLOYMENT HISTORY OF HEAD AND SPOUSE/PARTNER
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
#1 refers to head
#2 refers to spouse/partner
-----------------------------------------------------------------------------
X4511(#1)  Thinking about all your (spouse's/partner's) current work
X5111(#2)  for pay, (do you/does [he/she]) consider
           (yourself/herself/himself) to be working full-time or
           part-time?
           INTERVIEWER: IF R IS LAID OFF OR A SEASONAL WORKER, ASK
           ABOUT "JOBS WHEN R IS WORKING".

            1.  Full-time
            2.  Part-time
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse)


-----------------------------------------------------------------------------
CURRENTLY WORKING FULL-TIME
-----------------------------------------------------------------------------
X4512(#1)  (READ SLOWLY)  Now I have a few questions about your
X5112(#2)  (spouse's/partner's) past jobs.  Including any periods of
           self-employment, the military, and (your/her/his) current
           job, since (you were/[he/she] was) 18, how many years (have
           you/has [he/she]) worked full-time?  (Roughly how many years?)

           Code number of years
           -1.  None
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1)
           **********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 60
           **********************************************


X4513(#1)  Including any self-employment and your (spouse's/partner's)
X5113(#2)  current job, for how many different employers (have you/has
           [he/she]) worked in full-time jobs lasting one year or more?

           Code number of employers
           -1.  None
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1)


X4514(#1)  Now, not counting (your/her/his) current job, (have you/has
X5114(#2)  [he/she]) ever had a full-time job that lasted three years
           or more?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of full-time employment:
                X4512<1/X5112<1)


X4515(#1)  I want to know about the longest such job (you/he/she) had.
X5115(#2)  Did (you/he/she) work for someone else, (were you/was
           [he/she]) self-employed, or what?

            1.  Someone else
            2.  Self-employed; other non-corporate business owned by PEU
            3.  Partnership; law firm; medical/dental partnership
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)


X7405(#1)  What sort of work (were you/was [he/she]) doing when
X7415(#2)  (you/he/she) left that job?  
           (Tell me a little more about what (you/he/she) did.)

           Code Census 1995 3-digit occupation codes
           See X7401/X7411 for definitions

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (3 <= 3-digit occ. code <=37) THEN occ. code=1;
           ELSE IF (43 <= 3-digit occ. code <=199) THEN occ. code=1;
           ELSE IF (203 <= 3-digit occ. code <=235) THEN occ. code=2;
           ELSE IF (243 <= 3-digit occ. code <=285) THEN occ. code=2;
           ELSE IF (303 <= 3-digit occ. code <=389) THEN occ. code=2;
           ELSE IF (403 <= 3-digit occ. code <=407) THEN occ. code=3;
           ELSE IF (413 <= 3-digit occ. code <=427) THEN occ. code=3;
           ELSE IF (433 <= 3-digit occ. code <=469) THEN occ. code=3;
           ELSE IF (473 <= 3-digit occ. code <=499) THEN occ. code=6;
           ELSE IF (503 <= 3-digit occ. code <=699) THEN occ. code=4;
           ELSE IF (703 <= 3-digit occ. code <=799) THEN occ. code=5;
           ELSE IF (803 <= 3-digit occ. code <=859) THEN occ. code=5;
           ELSE IF (863 <= 3-digit occ. code <=889) THEN occ. code=5;
           ELSE IF (903 <= 3-digit occ. code <=905) THEN occ. code=3;

            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)


X7406(#1)  What kind of business or industry did (you/he/she) work
X7416(#2)  in -- that is, what did they make or do at the place where
           (you/he/she) worked?

           Code Census 1995 3-digit industry code
           See X7402/X7412 for definitions

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (10 <= 3-digit ind. code <=32) THEN ind. code=1;
           ELSE IF (40 <= 3-digit ind. code <=50) THEN ind. code=2;
           ELSE IF (60 <= 3-digit ind. code <=60) THEN ind. code=2;
           ELSE IF (100 <= 3-digit ind. code <=392) THEN ind. code=3;
           ELSE IF (500 <= 3-digit ind. code <=571) THEN ind. code=4;
           ELSE IF (580 <= 3-digit ind. code <=691) THEN ind. code=4;
           ELSE IF (700 <= 3-digit ind. code <=712) THEN ind. code=5;
           ELSE IF (721 <= 3-digit ind. code <=760) THEN ind. code=5;
           ELSE IF (400 <= 3-digit ind. code <=472) THEN ind. code=6;
           ELSE IF (761 <= 3-digit ind. code <=791) THEN ind. code=6;
           ELSE IF (800 <= 3-digit ind. code <=802) THEN ind. code=6;
           ELSE IF (810 <= 3-digit ind. code <=893) THEN ind. code=6;
           ELSE IF (900 <= 3-digit ind. code <=960) THEN ind. code=7;

            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)


           In what year did (you/he/she) start working at that job?

X4518(#1)  Code year (4 digits)
X5118(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)

X7233(#1)  Code age
X7300(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)

X7234(#1)  Code number of years
X7301(#2)  -1.  None 
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)

         
           In what year did (you/he/she) stop working at that job?

X4519(#1)  Code year (4 digits)
X5119(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)

X7235(#1)  Code age
X7302(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)

X7236(#1)  Code number of years
X7303(#2)  -1.  None            
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)


X4520(#1)  About how much (were you/was [he/she]) earning before taxes
X5120(#2)  when (you/he/she) stopped?

           Code amount
           -1.  Nothing
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)

X4521(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5121(#2)  And how often did (you/he/she) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; less than one year of ful-time employment:
                X4512<1/X5112<1; no jobs longer than a year:
                X4513<1/X5113<1; no job longer than 3 years:
                X4514^=1/X5114^=1)


X4522(#1)  Since (you were/[he/she] was) 18, have there been years
X5122(#2)  when (you/your spouse/partner) only worked part-time?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1)


X4523(#1)  About how many years in total did (you/he/she) work
X5123(#2)  part-time?

           Code number of years
           -1.  None
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; no part-time work: X4522^=1/X5122^=1)


           Thinking now of the future, in what year or at what age
           (do you/does your [spouse/partner]) expect to stop working
           full-time?

X7237(#1)  Code year (4-digits_
X7304(#2)  -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1)

X7728(#1)  Code age
X7727(#2)  -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1)

X4524(#1)  Code number of years
X5124(#2)  -2.  Never stop
           -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6731/X6741 contain the verbatim response when R originally answered
DEPENDS.
X6731(#1)  Code reason depends
X6741(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; original answer not DEPENDS)


X4525(#1)  (Do you/Does [he/she]) expect to work part-time after that?
X5125(#2)
            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; answer to future full-time work NEVER
                STOP: X4524=-2/X5124=-2)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6752/X6762 contain the verbatim response when R originally answered
DEPENDS.
X6752(#1)  Code reason depends
X6762(#2)   1.  Probably yes
            3.  If health lasts; if "feel like it";  health of other
                family members
            4.  If need the money; if "need to"; the "economy"
            5.  Probably no
            6.  If still enjoying work
            7.  If there is an interesting opportunity
           11.  If get bored
           95.  Uncodable response
           98.  Don't know/maybe
           99.  Refused
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; answer to future full-time work NEVER
                STOP: X4524=-2/X5124=-2; original answer not DEPENDS)


           In what year (do you/does [he/she]) expect to stop working
           altogether?

X7238(#1)  Code year (4 digits)
X7305(#2)  -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; answer to future full-time work NEVER
                STOP: X4524=-2/X5124=-2)

X7700(#1)  Code age
X7729(#2)  -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; answer to future full-time work NEVER
                STOP: X4524=-2/X5124=-2)

X4526(#1)  Code number of years
X5126(#2)  -1.  Less than a year
           -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working full-time: X4511^=1/
                X5111^=1; answer to future full-time work NEVER
                STOP: X4524=-2/X5124=-2)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6732/X6742 contain the verbatim response when R originally answered
DEPENDS.
X6732(#1)  Code reason depends
X6742(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused


-----------------------------------------------------------------------------
CURRENTLY WORKING PART-TIME
-----------------------------------------------------------------------------
X4527(#1)  Now I have a few questions about your (spouse's/partner's)
X5127(#2)  past work.  Including any self-employment and your current
           job, since (you were/[he/she] was) 18, about how many years
           in total (have you/has [he/she]) worked part-time for all
           or most of the year?

           Code mnumber of years
           -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2)


X4528(#1)  Since (you were/[he/she] was) 18, (have you/has [he/she])
X5128(#2)  ever worked full-time for pay -- including any
           self-employment and the military?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2)


X4529(#1)  How many years (have you/has [he/she]) worked full-time for
X5129(#2)  all or most of the year?

           Code number of years
           -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1)
           **********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 60
           **********************************************


X4530(#1)  Was that five years or more?
X5130(#2)
           INTERVIEWER CHECKPOINT - SEE X4529/X5129

            1.  R HAS WORKED FULL-TIME FOR 5 YEARS OR MORE OR DK
            2.  LESS THAN 5 YEARS
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1)

           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X4531(#1)  In what year did (you/he/she) last work full-time for pay?
X5131(#2) 
          
           Code year (4 digits)
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; worked
                5 years or more full-time: X4530=1/X5130=1)

X7239(#1)  Code age
X7306(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; worked
                5 years or more full-time: X4530=1/X5130=1)

X7240(#1)  Code number of years
X7307(#2)  -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; worked
                5 years or more full-time: X4530=1/X5130=1)

X4532(#1)  About how much did (you/he/she) earn before taxes that year?
X5132(#2)
           Code amount
           -1.  Nothing
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; worked
                5 years or more full-time: X4530=1/X5130=1)

X4533(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5133(#2)  And how often did (you/he/she) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; worked
                5 years or more full-time: X4530=1/X5130=1)


X4534(#1)  Including any self-employment and any full-time work on
X5134(#2)  your (spouse's/partner's) current job, for how many
           different employers (have you/has [he/she]) worked in
           full-time jobs lasting one year or more?

           Code number of employers
           -1.  None
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


X4535(#1)  I want to know about the longest full-time job (you/he/she)
X5135(#2)  had.  Did (you/he/she) work for someone else, (were you/was
           [he/she]) self-employed, or what?

            1.  Someone else
            2.  Self-employed; other non-corporate business owned by PEU
            3.  Partnership; law firm; medical/dental partnership
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


X7407(#1)  What sort of work (were you/was [he/she]) doing when you
X7417(#2)  stopped working full-time at that job?
           (Tell me a little more about what (you/he/she) did.)

           Code Census 1995 3-digit occupation codes
           See X7401/X7411 for definitions

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (3 <= 3-digit occ. code <=37) THEN occ. code=1;
           ELSE IF (43 <= 3-digit occ. code <=199) THEN occ. code=1;
           ELSE IF (203 <= 3-digit occ. code <=235) THEN occ. code=2;
           ELSE IF (243 <= 3-digit occ. code <=285) THEN occ. code=2;
           ELSE IF (303 <= 3-digit occ. code <=389) THEN occ. code=2;
           ELSE IF (403 <= 3-digit occ. code <=407) THEN occ. code=3;
           ELSE IF (413 <= 3-digit occ. code <=427) THEN occ. code=3;
           ELSE IF (433 <= 3-digit occ. code <=469) THEN occ. code=3;
           ELSE IF (473 <= 3-digit occ. code <=499) THEN occ. code=6;
           ELSE IF (503 <= 3-digit occ. code <=699) THEN occ. code=4;
           ELSE IF (703 <= 3-digit occ. code <=799) THEN occ. code=5;
           ELSE IF (803 <= 3-digit occ. code <=859) THEN occ. code=5;
           ELSE IF (863 <= 3-digit occ. code <=889) THEN occ. code=5;
           ELSE IF (903 <= 3-digit occ. code <=905) THEN occ. code=3;

            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


X7408(#1)  What kind of business or industry did (you/he/she) work in -- 
X7418(#2)  that is, what did they make or do at the place where
           (you/he/she) worked?

           Code Census 1995 3-digit industry code
           See X7402/X7412 for definitions

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (10 <= 3-digit ind. code <=32) THEN ind. code=1;
           ELSE IF (40 <= 3-digit ind. code <=50) THEN ind. code=2;
           ELSE IF (60 <= 3-digit ind. code <=60) THEN ind. code=2;
           ELSE IF (100 <= 3-digit ind. code <=392) THEN ind. code=3;
           ELSE IF (500 <= 3-digit ind. code <=571) THEN ind. code=4;
           ELSE IF (580 <= 3-digit ind. code <=691) THEN ind. code=4;
           ELSE IF (700 <= 3-digit ind. code <=712) THEN ind. code=5;
           ELSE IF (721 <= 3-digit ind. code <=760) THEN ind. code=5;
           ELSE IF (400 <= 3-digit ind. code <=472) THEN ind. code=6;
           ELSE IF (761 <= 3-digit ind. code <=791) THEN ind. code=6;
           ELSE IF (800 <= 3-digit ind. code <=802) THEN ind. code=6;
           ELSE IF (810 <= 3-digit ind. code <=893) THEN ind. code=6;
           ELSE IF (900 <= 3-digit ind. code <=960) THEN ind. code=7;

            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


           When did (you/he/she) start working at that job?

X4538(#1)  Code year (4 digits)
X5138(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)

X7241(#1)  Code age
X7308(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)

X7242(#1)  Code number of lears
X7309(#2)  -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


           When did (you/he/she) stop working at that job?

X4539(#1)  Code year (4 digits)
X5139(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)

X7243(#1)  Code age
X7310(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)

X7244(#1)  Code number of years
X7311(#2)  -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


X4540(#1)  About how much (were you/was [he/she]) earning before taxes
X5140(#2)  when (you/he/she) stopped?

           Code amount
           -1.  Nothing
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)

X4541(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5141(#2)  And how often did (you/he/she) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


           In what year did (you/your spouse/partner) last work
           full-time for pay?

X4542(#1)  Code year (4 digits)
X5142(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)

X7245(#1)  Code age
X7312(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)

X7246(#1)  Code number of years
X7313(#2)  -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2); no full-time jobs: X4528^=1/X5128^=1; did
                not work 5 years or more full-time: X4530=^1/X5130^=1)


X4543(#1)  Thinking now of the future, (do you/does your
X5143(#2)  [spouse/partner]) expect to do any full-time work for pay?

            1.  YES
            5.  NO
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6753/X6763 contain the verbatim response when R originally answered
DEPENDS.
X6753(#1)  Code reaspon depends
X6763(#2)   1.  Probably yes
            3.  If health lasts; if "feel like it";  health of other
                family members
            4.  If need the money; if "need to"; the "economy"
            5.  Probably no
            6.  If still enjoying work
            7.  If there is an interesting opportunity
           11.  If get bored
           13.  Whenever find job, ASAP
           15.  After school, children
           19.  Depends on what spouse does; depends on spouse health
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Maybe/Don't know
           99.  Refused
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; original answer not DEPENDS)


           In what year (do you/does [he/she]) expect to start working
           full-time?

X7247(#1)  Code year (4 digits)
X7314(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no future full-time work: X6643^=1/X5143^=1)

X7248(#1)  Code age
X7315(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no future full-time work: X6643^=1/X5143^=1)

X4544(#1)  Code number of years
X5144(#2)  -1.  Less than a year
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no future full-time work: X6643^=1/X5143^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6733/X6743 contain the verbatim response when R originally answered
DEPENDS.
X6733(#1)  Code reason depends
X6743(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; o future full-time work: X6643^=1/X5143^=1;
                original answer not DEPENDS)


           In what year (do you/does [he/she]) expect to stop working
           full-time?

X7249(#1)  Code year (4 digits)
X7316(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no future full-time work: X6643^=1/X5143^=1)


X7701(#1)  Code age
X7730(#2)   0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no future full-time work: X6643^=1/X5143^=1)

X4545(#1)  Code number of years
X5145(#2)  -1.  Less than a year
           -2,  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no future full-time work: X6643^=1/X5143^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6734/X6744 contain the verbatim response when R originally answered
DEPENDS.
X6734(#1)  Code reason depends
X6744(#2)  6.  As long as health lasts, as long as I can
           7.  Until have children
           8.  Until return to school; until get married; until other
               non-work activity
           9.  Until finances are adequate; depends on finances
          10.  Depends on Interest, How I feel
          11.  Depends upon opportunities/economy
          12.  Never go back full time
          13.  Whenever find job, ASAP
          14.  Depends upon health
          15.  After school, children
          16.  Only if need to, no plan
          17.  When R can turn over/sell the business
          18.  Depends on retirement age/incentives in future
          19.  Depends on what spouse does; depends on spouse health
          20.  Depends on family needs/situation
          21.  Depends on whether part-time work is available
          22.  Depends on when licensed
          95.  Uncodable response
          98.  Don't know
          99.  Refused
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; no future full-time work: X6643^=1/X5143^=1;
                original answer not DEPENDS)


          In what year (do you/does [he/she]) expect to stop working
          for pay altogether?

X7250(#1)  Code year (4 digits)
X7317(#2)  -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2)


X7702(#1)  Code age
X7731(#2)  -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2)

X4546(#1)  Code number of years
X5146(#2)  -1.  Less than a year
           -2.  Never stop
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6735/X6745 contain the verbatim response when R originally answered
DEPENDS.
X6735(#1)  Code reason depends
X6745(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused
            0.  Inap. (not doing any work for pay: X4105=5/X4705=5;/    
                no spouse; not currently working part-time: X4511^=2/
                X5111^=2; original response not DEPENDS)


-----------------------------------------------------------------------------
CURRENTLY NOT WORKING
-----------------------------------------------------------------------------
X4601(#1)  Since (you were/[he/she] was) 18, (have you/has [he/she])
X5201(#2)  ever worked full-time for pay?

            1.  YES
            5.  NO
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse)


X4602(#1)  How many years (have you/has [he/she]) worked full-time for
X5202(#2)  all or most of the year?  Include any periods of
           self-employment, and the military. (Roughly, how many years?)

           Code number of years
           -1.  None
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1)
           **********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 60
           **********************************************


X4603(#1)  Was that five years or more?
X5203(#2)  INTERVIEWER CHECKPOINT - SEE X4602/X5202

            1.  R HAS WORKED FULL-TIME FOR 5 YEARS OR MORE OR DK
            2.  LESS THAN 5 YEARS
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X4604(#1)  In what year did (you/he/she) last work full-time for pay?
X5204(#2)
           Code year
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                more than 5 years full-time: X4603=1/X5203=1)

X7251(#1)  Code age
X7318(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                more than 5 years full-time: X4603=1/X5203=1)

X7252(#1)  Code number of years
X7319(#2)  -1.  Less than one
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                more than 5 years full-time: X4603=1/X5203=1)


X4605(#1)  About how much did (you/he/she) earn before taxes that year?
X5205(#2)
           Code amount
           -1.  Nothing
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                more than 5 years full-time: X4603=1/X5203=1)

X4606(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5206(#2)  And how often did (you/he/she) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                more than 5 years full-time: X4603=1/X5203=1)


X4607(#1)  Including any self-employment, for how many different
X5207(#2)  employers (have you/has [he/she]) worked in full-time jobs
           lasting one year or more?

           Code number of employers
           -1.  None
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


X4608(#1)  I want to know about this full-time job (you/he/she)
X5208(#2)
           I want to know about the longest full-time job (you/he/she)
           had.  Did (you/he/she) work for someone else, (were you/was
           [he/she]) self-employed, or what?
            1.  Someone else
            2.  Self-employed; other non-corporate business owned by PEU
            3.  Partnership; law firm; medical/dental partnership
           -7.  Other
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


X7409(#1)  What sort of work (were you/was [he/she]) doing when
X7419(#2)  (you/he/she) left that job?  
           (Tell me a little more about what (you/he/she) did.)

           Code Census 1995 3-digit occupation codes
           See X7401/X7411 for definitions

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (3 <= 3-digit occ. code <=37) THEN occ. code=1;
           ELSE IF (43 <= 3-digit occ. code <=199) THEN occ. code=1;
           ELSE IF (203 <= 3-digit occ. code <=235) THEN occ. code=2;
           ELSE IF (243 <= 3-digit occ. code <=285) THEN occ. code=2;
           ELSE IF (303 <= 3-digit occ. code <=389) THEN occ. code=2;
           ELSE IF (403 <= 3-digit occ. code <=407) THEN occ. code=3;
           ELSE IF (413 <= 3-digit occ. code <=427) THEN occ. code=3;
           ELSE IF (433 <= 3-digit occ. code <=469) THEN occ. code=3;
           ELSE IF (473 <= 3-digit occ. code <=499) THEN occ. code=6;
           ELSE IF (503 <= 3-digit occ. code <=699) THEN occ. code=4;
           ELSE IF (703 <= 3-digit occ. code <=799) THEN occ. code=5;
           ELSE IF (803 <= 3-digit occ. code <=859) THEN occ. code=5;
           ELSE IF (863 <= 3-digit occ. code <=889) THEN occ. code=5;
           ELSE IF (903 <= 3-digit occ. code <=905) THEN occ. code=3;

            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


X7410(#1)  What kind of business or industry did (you/he/she) work in -- 
X7420(#2)  that is, what did they make or do at the place where
           (you/he/she) worked?

           Code Census 1995 3-digit industry code
           See X7402/X7412 for definitions

           In the public version of the dataset, these codes have been
           collapsed in the following way: 
           IF (10 <= 3-digit ind. code <=32) THEN ind. code=1;
           ELSE IF (40 <= 3-digit ind. code <=50) THEN ind. code=2;
           ELSE IF (60 <= 3-digit ind. code <=60) THEN ind. code=2;
           ELSE IF (100 <= 3-digit ind. code <=392) THEN ind. code=3;
           ELSE IF (500 <= 3-digit ind. code <=571) THEN ind. code=4;
           ELSE IF (580 <= 3-digit ind. code <=691) THEN ind. code=4;
           ELSE IF (700 <= 3-digit ind. code <=712) THEN ind. code=5;
           ELSE IF (721 <= 3-digit ind. code <=760) THEN ind. code=5;
           ELSE IF (400 <= 3-digit ind. code <=472) THEN ind. code=6;
           ELSE IF (761 <= 3-digit ind. code <=791) THEN ind. code=6;
           ELSE IF (800 <= 3-digit ind. code <=802) THEN ind. code=6;
           ELSE IF (810 <= 3-digit ind. code <=893) THEN ind. code=6;
           ELSE IF (900 <= 3-digit ind. code <=960) THEN ind. code=7;

            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


           In what year did (you/he/she) start working at that job?

X4611(#1)  Code year (4 digits)
X5211(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


X7253(#1)  Code age
X7320(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)

X7254(#1)  Code number of years
X7321(#2)  -1.  Less than a year
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


           In what year did (you/he/she) stop working at that job?

X4612(#1)  Code year (4 digits)
X5212(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


X7255(#1)  Code age
X7322(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)

X7256(#1)  Code number of years
X7323(#2)  -1.  Less than a year
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


X4613(#1)  About how much (were you/was [he/she]) earning before taxes
X5213(#2)  when (you/he/she) stopped?

           Code amount
           -1.  Nothing
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)

X4614(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5214(#2)  And how often did (you/he/she) receive that amount?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; never worked full-time: X4601^=1/X5201^=1;
                less than 5 years full-time: X4603=2/X5203=2)


X4615(#1)  Since (you were/[he/she] was) 18, were there any years when
X5215(#2)  (you/he/she) (only) worked part-time for all or most of the
           year?

            1.  YES
            5.  NO
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse)


X4616(#1)  For about how many years did (you/he/she) work part-time
X5216(#2)  (for all or most of the year)?

           Code number of years
           -1.  Less than a year
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; no part-time work: X4615^=1/X5215^=1)


X4617(#1)  (Do you/Does [he/she]) expect to work for pay in the future?
X5217(#2)
            1.  YES
            5.  NO
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse)


           In what year (do you/does your [spouse/partner]) expect to
           start working?

X7257(#1)  Code year (4 digits)
X7324(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1)

X7258(#1)  Code age
X7325(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1)

X4618(#1)  Code number of years
X5218(#2)  -1.  Less than a year
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6736/X6746 contain the verbatim response when R originally answered
DEPENDS.
X6736(#1)  Code reason depends
X6746(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1: original response not DEPENDS)


X4619(#1)  Will any of that be full-time work?
X5219(#2)
            1.  YES
            5.  NO
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6754/X6764 contain the verbatim response when R originally answered
DEPENDS.
X6754(#1)  Code reason depends
X6764(#2)  4.  As soon as can find full-time job
           6.  Depends on pay
           7.  Depends on health or health-related issue
           8.  No particular plans
           9.  Expect to go into self-employment/expand time for self-employment
          10.  Depends upon family or child-care issues
          11.  Depends on opportunities/interest
          95.  Uncodable response
          98.  Don't know
          99.  Refused
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; original response not DEPENDS)


          In what year (do you/does [he/she]) expect to start working
          full-time?

X7259(#1)  Code year (4 digits)
X7326(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1)

X7260(#1)  Code age
X7327(#2)   0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1)

X4620(#1)  Code number of years
X5220(#2)  -1.  Less than a year
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6737/X6747 contain the verbatim response when R originally answered
DEPENDS.
X6737(#1)  Code reason depends
X6747(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1; original response not DEPENDS)


           In what year (do you/does [he/she]) expect to stop working
           full-time?

X7261(#1)  Code year (4 digits)
X7328(#2)  -2.  Never stop
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1)

X7703(#1)  Code age
X7732(#2)  -2.  Never stop
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1)

X4621(#1)  Code number of years
X5221(#2)  -1.  Less than a year
           -2.  Never stop
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6738/X6748 contain the verbatim response when R originally answered
DEPENDS.
X6738(#1)  Code reason depends
X6748(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; does not expect to work full-time:
                X4619^=1/X5219^=1; oroginal response not DEPENDS)


           In what year (do you/does [he/she]) expect to stop working
           for pay altogether?

X7262(#2)  Code year
X7329(#2)  -2.  Never stop
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1)

X7704(#1)  Code age
X7733(#1)  -2.  Never stop
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1)

X4622(#1)  Code number of years
X5222(#2)  -1.  Less than a year
           -2.  Never stop
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1)

DEPENDS was allowed as an response to this question.  However, in
processing, this answer was coded as a missing value and imputed.
X6739/X6749 contain the verbatim response when R originally answered
DEPENDS.
X6739(#1)  Code reason depends
X6749(#2)   6.  As long as health lasts, as long as I can
            7.  Until have children
            8.  Until return to school; until get married; until other
                non-work activity
            9.  Until finances are adequate; depends on finances
           10.  Depends on Interest, How I feel
           11.  Depends upon opportunities/economy
           12.  Never go back full time
           13.  Whenever find job, ASAP
           14.  Depends upon health
           15.  After school, children
           16.  Only if need to, no plan
           17.  When R can turn over/sell the business
           18.  Depends on retirement age/incentives in future
           19.  Depends on what spouse does; depends on spouse health
           20.  Depends on family needs/situation
           21.  Depends on whether part-time work is available
           22.  Depends on when licensed
           95.  Uncodable response
           98.  Don't know
           99.  Refused
            0.  Inap. (doing any work for pay: X4106^=0/X4706^=0;/    
                no spouse; does not expect to work in future:
                X4617^=1/X5217^=1; original response not DEPENDS)


-----------------------------------------------------------------------------
INFORMATION LINKED FROM 1995 CURRENT POPULATION SURVEY BY OCCUPATION CODE
FOR PRIOR JOB
-----------------------------------------------------------------------------
X8171(#1)  Recode: Unconditional mean wage for occupation group in 1995
X8172(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

           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 data to identify
           these coefficients; for example, a coefficient for the
           [36,55) element of the age spline may be identically zero
           if there are no CPS cases in that age group for the given
           occupation.


X8125(#1)  Recode: 10000 * Intercept
X8126(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8119(#1)  Recode: For age in [1, 35]: 10000 * Coefficient of AGE
X8120(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8121(#1)  Recode: For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
X8122(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8123(#1)  Recode: For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
X8124(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8332(#1)  Recode: 10000 * Coefficient of dummy for part-time employment
X8333(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8334(#1)  Recode: 10000 * Coefficient of dummy for self-emlpoyment
X8335(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8336(#1)  Recode: 10000 * Coefficient of dummy for Hispanic or nonwhite
X8337(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8338(#1)  Recode: 10000 * Coefficient of dummy for 12 years of education
X8339(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8340(#1)  Recode: 10000 * Coefficient of dummy for some college or
X8341(#2)  Associate's degree

           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8342(#1)  Recode: 10000 * Coefficient of dummy for Bachelor's degree
X8343(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8344(#1)  Recode: 10000 * Coefficient of dummy for higher degree than
X8345(#2)  Bachelor's degree

           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8127(#1)  Recode: 10000 * Standard error log regression
X8128(#2)
           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X8129(#1)  Recode: Annualized level of expected income from regression
X8130(#2)  (corrected for non-zero expectation of error term for level)

           Code number
           0.  Inap. (/no spouse; no 3-digit occupation code for past
               job: X7405=0 and X7407=0 and X7409=0/X7415=0 and
               X7417=0 and X7419=0)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
CURRENT BENEFITS FROM SOCIAL SECURITY AND PENSIONS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X5301      Are you or your (spouse/partner) currently receiving Social
           Security benefit payments? (VERSION ASKED ONLY IF CURRENT JOB
           PENSION REPORTED AT X4140/X4740)

           Are you or your (spouse/partner) currently receiving Social
           Security benefit payments, or any other type of pension,
           retirement, or disability benefit payment?

           Are you currently receiving Social Security benefit payments?
           (VERSION ASKED ONLY IF CURRENT JOB PENSION REPORTED AT
           X4140/X4740)

           Are you currently receiving Social Security benefit payments, 
           or any other type of pension, retirement, or disability
           benefit payment?

           REMEMBER! 'YOU' HERE MEANS THE DESIGNATED RESPONDENT
           'SPOUSE/PARTNER' MEANS SPOUSE/PARTNER OF DESIGNATED R
           (DO NOT INCLUDE SUPPLEMENTAL SECURITY INCOME [SSI])

            1.  YES
            5.  NO


X5302      Do these include Social Security benefit payments?

            1.  YES
            5.  NO
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1)


-----------------------------------------------------------------------------
#1 refers to Social Security benefits of head
#2 refers to Social Security benefits of spouse/partner
-----------------------------------------------------------------------------
X5303(#1)  Are you and your (spouse/partner) currently receiving
X5308(#2)  Social Security payments or is only one of you? (Which one?) 

            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)


X5304(#1)  Are the payments you receive for retirement, disability, or
X5309(#2)  survivors benefits?

           Are the payments your (spouse/partner) receives for retirement, 
           disability, or survivors benefits?

            1.  Retirement
            2.  Disability
            3.  Survivors
            6.  Dependent's benefit
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; not receiving Social Security:
                X5302^=1;/no spouse; not receiving Social Security:
                X5303^=1/X5308^=1)
           *******************************************************
              FOR THE PUBLIC DATASET, CODE 6 IS COMBINED WITH 3
           *******************************************************


           How long have you received these benefits?

           How long has he received these benefits?

           How long has she received these benefits?

X5305(#1)  Code number of years
X5310(#2)  -1.  Less than a year
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; not receiving Social Security:
                X5302^=1;/no spouse; not receiving Social Security:
                X5303^=1/X5308^=1)

X7330(#1)  Code age
X7331(#2)   0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; not receiving Social Security:
                X5302^=1;/no spouse; not receiving Social Security:
                X5303^=1/X5308^=1)

X7734(#1)  Code year (4 digits)
X7735(#2)   0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; not receiving Social Security:
                X5302^=1;/no spouse; not receiving Social Security:
                X5303^=1/X5308^=1)


X5306(#1)  How much do you receive each month or year?
X5311(#2)
           How much does he receive each month or year?

           How much does she receive each month or year?

           Code amount
           -1.  Nothing
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; not receiving Social Security:
                X5302^=1;/no spouse; not receiving Social Security:
                X5303^=1/X5308^=1)

X5307(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5312(#2)
           And how often do you receive that amount?

           And how often does he receive that amount?

           And how often does she receive that amount?

           Code frequency
            4.  Month
            5.  Quarter
            6.  Year
           -7.  Other
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; not receiving Social Security:
                X5302^=1;/no spouse; not receiving Social Security:
                X5303^=1/X5308^=1)


X5313      Are you or your (spouse/partner) currently receiving any
           other retirement, pensions, or disability payments?

           Are you currently receiving any other retirement, pensions,
           or disability payments?

            1.  YES
            5.  NO
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1)


X5314      Not counting Social Security, how many retirement, pension,
           or disability benefit payments are you and your
           (spouse/partner) currently receiving?

           How many retirement, pension, or disability benefit
           payments are you and your (spouse/partner) currently
           receiving?

           Not counting Social Security, how many retirement, pension, or
           disability benefit payments are you currently receiving?  

           How many retirement, pension, or disability benefit
           payments are you currently receiving?

           Including the payments you told me you and your
           (spouse/partner) are receiving.

           Including the payments you told me you are receiving.

           Including the payments you told me your (spouse/partner) is
           receiving.

           (DO NOT INCLUDE INCOME FROM IRA AND KEOGH ACCOUNTS ALREADY
           REPORTED.)

           Code number
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; no current pension benefits: X5314^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 7
           ********************************************

X6700      Originally reported value of X5314 (see introduction)

           Code number
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; no current pension benefits: X5314^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 7
           ********************************************


-----------------------------------------------------------------------------
#1 refers to the first current pension benefit
#2 refers to the second current pension benefit
#3 refers to the third current pension benefit
#4 refers to the fourth current pension benefit
#5 refers to the fifth current pension benefit
#6 refers to the sixth current pension benefit
-----------------------------------------------------------------------------
X5315(#1)  For this benefit, who is receiving these payments, you or
X5323(#2)
X5331(#3)  For the first benefit1, who is receiving these payments,
X5415(#4)  you or your (spouse/partner)?
X5423(#5)
X5431(#6)   1.  Head
            2.  Spouse/partner
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; no current pension benefits: X5314^=1;
                no benefits: X5314<1/less than 2 benefits: X5314<2/
                less than 3 benefits: X4314<3/less than 4 benefits:
                X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)


X5316(#1)  Is this a payment from a current job, past job, a
X5324(#2)  disability or military benefit, spouse's pension, or
X5332(#3)  something else?
X5416(#4)
X5424(#5)   1.  Current job pension
X5432(#6)   2.  Past job pension (except military)
            3.  Disability
            4.  Military (retirement or disability)
            5.  Spouse pension
           10.  Pension through other family member
           11.  Union pension
           -7.  Other
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; no current pension benefits: X5314^=1;
                no benefits: X5314<1/less than 2 benefits: X5314<2/
                less than 3 benefits: X4314<3/less than 4 benefits:
                X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)
           *********************************************************
              FOR THE PUBLIC DATASET, CODES 2 AND 11 ARE COMBINED
              WITH 1
           *********************************************************


           How long have you received these benefits?

           How long has (he/she) received these benefits?

X5317(#1)  Code number of years
X5325(#2)  -1.  Less than one year
X5333(#3)   0.  Inap. (not receiving pension or Social Security
X5417(#4)       benefits: X5301^=1; no current pension benefits: X5314^=1;
X5425(#5)       no benefits: X5314<1/less than 2 benefits: X5314<2/
X5433(#6)       less than 3 benefits: X4314<3/less than 4 benefits:
                X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)

X7332(#1)  Code age
X7333(#2)   0.  Inap. (not receiving pension or Social Security
X7334(#3)       benefits: X5301^=1; no current pension benefits: X5314^=1;
X7335(#4)       no benefits: X5314<1/less than 2 benefits: X5314<2/
X7336(#5)       less than 3 benefits: X4314<3/less than 4 benefits:
X7337(#6)       X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)

X7736(#1)  Code year (4 digits)
X7738(#2)   0.  Inap. (not receiving pension or Social Security
X7740(#3)       benefits: X5301^=1; no current pension benefits: X5314^=1;
X7742(#4)       no benefits: X5314<1/less than 2 benefits: X5314<2/
X7744(#5)       less than 3 benefits: X4314<3/less than 4 benefits:
X7746(#6)       X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)


X5318(#1)  How much is received each month or year?
X5326(#2)
X5334(#3)  Code amount
X5418(#4)   0.  Inap. (not receiving pension or Social Security
X5426(#5)       benefits: X5301^=1; no current pension benefits: X5314^=1;
X5434(#6)       no benefits: X5314<1/less than 2 benefits: X5314<2/
                less than 3 benefits: X4314<3/less than 4 benefits:
                X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)

X5319(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5327(#2)  And how often is that amount received?
X5335(#3)
X5419(#4)  Code frequency
X5427(#5)   1.  Day
X5435(#6)   2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -7.  Other
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; no current pension benefits: X5314^=1;
                no benefits: X5314<1/less than 2 benefits: X5314<2/
                less than 3 benefits: X4314<3/less than 4 benefits:
                X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)


X5320(#1)  Has this payment been increased when the cost of living has
X5328(#2)  increased?
X5336(#3)
X5420(#4)   1.  YES
X5428(#5)   5.  NO
X5436(#6)   0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; no current pension benefits: X5314^=1;
                no benefits: X5314<1/less than 2 benefits: X5314<2/
                less than 3 benefits: X4314<3/less than 4 benefits:
                X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6)


X5322(#1)  If you were to die, what percent of this payment would your
X5330(#2)  (husband/wife/partner) continue to receive or would the
X5338(#3)  payments stop?
X5422(#4)
X5430(#5)  If your (husband/wife/partner) were to die, what percent of
X5438(#6)  this payment would you continue to receive or would the
           payments stop?

           Code percent * 100
           -1.  Stop
           -2.  Start at a later time, no indication of reduced benefit
           -3.  Start at a later time, indication of reduced benefit
           -4.  Lump sum payout
           -7.  Other arrangement
            0.  Inap. (not receiving pension or Social Security
                benefits: X5301^=1; no current pension benefits: X5314^=1;
                no benefits: X5314<1/less than 2 benefits: X5314<2/
                less than 3 benefits: X4314<3/less than 4 benefits:
                X5314<4/less than 5 benefits: X5314<5/less than 6
                benefits: X5314<6; no spouse or partner)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
CASH SETTLEMENTS FROM PAST JOBS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X5501      Have you or your (spouse/partner) ever received a cash
           settlement from a pension or retirement plan of a previous
           job?

           Have you ever received a cash settlement from a pension or 
           retirement plan of a previous job?

            1.  YES
            5.  NO


X5502      How many different cash settlements have you or your
           (spouse/partner) received?

           How many different cash settlements have you received?

           Code number
            0.  Inap. (no setlements: X5501^=1)

X6701      Originally reported value of X5502 (see introduction)

           Code number
            0.  Inap. (no setlements: X5501^=1)


-----------------------------------------------------------------------------
#1 refers to first settlement
#2 refers to second settlement
#3 refers to third settlement
#4 refers to fourth settlement
#5 refers to fifth settlement
-----------------------------------------------------------------------------
X5503(#1)  Who received this settlement, you or your (spouse/partner)?
X5506(#2)
X5509(#3)  Who received the first cash1 settlement, you or your 
X5512(#4)  (spouse/partner)?
X5515(#5)
            1.  Head
            2.  Spouse/partner
            0.  Inap. (no setlements: X5501^=1; no settlements: X5502<1/
                less than 2 settlements: X5502<2/less than 3 settlements:
                X5502<3/less than 4 settlements: X5502<4/less than 5
                settlements: X5502<5)


X5504(#1)  What was the amount of this settlement?
X5507(#2)
X5510(#3)  What was the amount of this first cash1 settlement?
X5513(#4)
X5516(#5)  Code amount
            0.  Inap. (no setlements: X5501^=1; no settlements: X5502<1/
                less than 2 settlements: X5502<2/less than 3 settlements:
                X5502<3/less than 4 settlements: X5502<4/less than 5
                settlements: X5502<5)


           In what year was this settlement received?

           In what year was the first cash1 settlement received?

X5505(#1)  Code year (4 digits)
X5508(#2)   0.  Inap. (no setlements: X5501^=1; no settlements: X5502<1/
X5511(#3)       less than 2 settlements: X5502<2/less than 3 settlements:
X5514(#4)       X5502<3/less than 4 settlements: X5502<4/less than 5
X5517(#5)       settlements: X5502<5)

X7338(#1)  Code age
X7340(#2)   0.  Inap. (no setlements: X5501^=1; no settlements: X5502<1/
X7342(#3)       less than 2 settlements: X5502<2/less than 3 settlements:
X7344(#4)       X5502<3/less than 4 settlements: X5502<4/less than 5
X7346(#5)       settlements: X5502<5)

X7339(#1)  Code number of years
X7341(#2)  -1.  Less than a year
X7343(#3)   0.  Inap. (no setlements: X5501^=1; no settlements: X5502<1/
X7345(#4)       less than 2 settlements: X5502<2/less than 3 settlements:
X7347(#5)       X5502<3/less than 4 settlements: X5502<4/less than 5
                settlements: X5502<5)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
FUTURE PENSION BENEFITS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X5601      Now I want to ask about future pension benefits that you
           and your (spouse/partner) have earned rights to from past
           or current jobs.  Aside from Social Security and other
           pensions you have already told me about, do you and your
           (spouse/partner) expect to receive any (other) pensions in
           the future?

           Now I want to ask about future pension benefits that you have 
           earned rights to from past or current jobs.  Aside from Social 
           Security and other pensions you have already told me about,
           do you expect to receive any (other) pensions in the future?

            1.  YES
            5.  NO


X5602      How many such benefits do you or your (spouse/partner)
           expect to receive in the future?

           How many such benefits do you expect to receive in the future?

           Code number
            0.  Inap. (no future pensions: X5601^=1)

X6702      Originally reported value of X5602 (see introduction)

           Code number
            0.  Inap. (no future pensions: X5601^=1)


-----------------------------------------------------------------------------
#1 refers to first future pension benefit
#2 refers to second future pension benefit
#3 refers to third future pension benefit
#4 refers to fourth future pension benefit
#5 refers to fifth future pension benefit
#6 refers to sixth future pension benefit
-----------------------------------------------------------------------------
X5606(#1)  Who expects to receive this benefit?
X5614(#2)
X5622(#3)  Who expects to receive the largest benefit?
X5630(#4)
X5638(#5)  IF R ANSWERS DK:  Tell me about your benefits first. 
X5646(#6)  WE DO NOT CARE WHICH PLAN IS LARGEST, TAKE ANY PLAN.

            1.  Head
            2.  Spouse/partner
            0.  Inap. (no future pensions: X5601^=1; no future
                benefits: X5602<1/ less than 2 future benefits:
                X5602<2/less than 3 benefits X5602<3/less than 4
                benefits: X5602<4/less than 5 benefits: X5602<5/
                less than 6 benefits: X5602<6)


X5603(#1)  About this benefit, is this from a pension plan
X5611(#2)
X5619(#3)  About the largest benefit, is this from a pension plan
X5627(#4)
X5635(#5)  where a certain amount of money is accumulated in an
X5643(#6)  account for you, a formula plan that will give you a
           specific amount of income each month or year when you
           retire, or what?

           where a certain amount of money is accumulated in an
           account for your (spouse/partner), a formula plan that will
           give you a specific amount of income each month or year
           when (he/she) retires, or what?

            1.  Income formula
            2.  Account
            3.  Both
            0.  Inap. (no future pensions: X5601^=1; no future
                benefits: X5602<1/ less than 2 future benefits:
                X5602<2/less than 3 benefits X5602<3/less than 4
                benefits: X5602<4/less than 5 benefits: X5602<5/
                less than 6 benefits: X5602<6)


X7348(#1)  When you retire, will you receive the money in the account
X7350(#2)  as a lump sum, or will you receive regular payments?
X7352(#3)
X7354(#4)  When your (spouse/partner) retires, will (he/she) receive
X7356(#5)  the money in the account as a lump sum, or will (he/she)
X7358(#6)  receive regular payments?

            1.  Lump sum
            2.  Regular payments
            0.  Inap. (no future pensions: X5601^=1; no future
                benefits: X5602<1/ less than 2 future benefits:
                X5602<2/less than 3 benefits X5602<3/less than 4
                benefits: X5602<4/less than 5 benefits: X5602<5/
                less than 6 benefits: X5602<6; not an account-type
                plan: X5603^=2/X5611^=2/X5619^=2/X5627^=2/X5635^=2/
                X5643^=2)


X5604(#1)  How much is in the account now?
X5612(#2)
X5620(#3)  Code amount
X5628(#4)  0.  Inap. (no future pensions: X5601^=1; no future
X5636(#5)       benefits: X5602<1/ less than 2 future benefits:
X5644(#6)       X5602<2/less than 3 benefits X5602<3/less than 4
                benefits: X5602<4/less than 5 benefits: X5602<5/
                less than 6 benefits: X5602<6; not an account-type
                plan: X5603^=2/X5611^=2/X5619^=2/X5627^=2/X5635^=2/
                X5643^=2)


           When do you expect to receive this pension?

           When does (he/she) expect to receive this pension?

X7751(#1)  Code number of years
X7752(#2)  -1.  Less than a year
X7753(#3)   0.  Inap. (no future pensions: X5601^=1; no future
X7754(#4)       benefits: X5602<1/ less than 2 future benefits:
X7755(#5)       X5602<2/less than 3 benefits X5602<3/less than 4
X7756(#6)       benefits: X5602<4/less than 5 benefits: X5602<5/
                less than 6 benefits: X5602<6)

X5607(#1)  Code age
X5615(#2)   0.  Inap. (no future pensions: X5601^=1; no future
X5623(#3)       benefits: X5602<1/ less than 2 future benefits:
X5631(#4)       X5602<2/less than 3 benefits X5602<3/less than 4
X5639(#5)       benefits: X5602<4/less than 5 benefits: X5602<5/
X5647(#6)       less than 6 benefits: X5602<6)

X7349(#1)  Code year (4 digits)
X7351(#2)   0.  Inap. (no future pensions: X5601^=1; no future
X7353(#3)       benefits: X5602<1/ less than 2 future benefits:
X7355(#4)       X5602<2/less than 3 benefits X5602<3/less than 4
X7357(#5)       benefits: X5602<4/less than 5 benefits: X5602<5/
X7359(#6)       less than 6 benefits: X5602<6)


X5608(#1)  About how much do you expect them to be?
X5616(#2)
X5624(#3)  About how much does (he/she) expect them to be?
X5632(#4)
X5640(#5)  Code amount
X5648(#6)  -1.  Nothing
            0.  Inap. (no future pensions: X5601^=1; no future
                benefits: X5602<1/ less than 2 future benefits:
                X5602<2/less than 3 benefits X5602<3/less than 4
                benefits: X5602<4/less than 5 benefits: X5602<5/
                less than 6 benefits: X5602<6; lump sum benefit:
                X7348=1/X7350=1/X7352=1/X7354=1/X7356=1/X7358=1)

X5609(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED
X5617(#2)  And how often do you expect to receive that amount?
X5625(#3)
X5633(#4)  Code frequency
X5641(#5)   1.  Day
X5649(#6)   2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only/in total
           11.  Twice per year; every six months
           12.  Bimonthly
           14.  By the piece/job
           18.  Hour
           22.  Varies
           -1.  Nothing
           -7.  Other
            0.  Inap. (no future pensions: X5601^=1; no future
                benefits: X5602<1/ less than 2 future benefits:
                X5602<2/less than 3 benefits X5602<3/less than 4
                benefits: X5602<4/less than 5 benefits: X5602<5/
                less than 6 benefits: X5602<6; lump sum benefit:
                X7348=1/X7350=1/X7352=1/X7354=1/X7356=1/X7358=1)


X7360      Are any of these part of an IRA, KEOGH, or other pension plan?

            1.  Yes,  IRA/KEOGH
            2.  Yes, pension
            5.  No                     
            0.  Inap. (no future pensions: X5601^=1)
            NOTE: All initial YES responses have been reconciled with
            the IRA/Keogh data and edited out of this grid.

Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
INCOME, SUPPORT, ALIMONY
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
           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 had in 1994.

           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 1994.

X5701      Did you have income from wages and salaries?

            1.  YES
            5.  NO


X5702      In total, how much income from

           wages and salaries

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
            0.  Inap. (no wage income: X5701^=1)


X5703      Did you have income or losses from

           Did you or anyone have income or losses from

           a professional practice, business, or farm?

           (Other than wages or salaries)

            1.  YES
            5.  NO



X5704      In total, how much income from a professional practice,
           business, or farm

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?


           Code amount
           -1.  Nothing
           -2.  Negative value inferred from data on business
            0.  Inap. (no business income: X5703^=1)


X5705      Did you have income from

           Did you or anyone have income from

           non-taxable investments such as municipal bonds0?

            1.  YES
            5.  NO


X5706      In total, how much income from

           non-taxable investments such as municipal bonds

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
            0.  Inap. (no non-taxable income: X5705^=1)


X5707      Did you have any other interest income? 

           Did you or anyone have any other interest income?

            1.  YES
            5.  NO


X5708     In total, how much other interest income

          In total, how much income from other interest

          did you receive in 1994, before deductions for taxes and
          anything else?

          did you and your family receive in 1994, before deductions
          for taxes and anything else?

           Code amount
            0.  Inap. (no other interest income: X5707^=1)


X5709      Did you have income from

           Did you or anyone have income from

           dividends?

            1.  YES
            5.  NO


X5710      In total, how much income from

           dividends

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
            0.  Inap. (no dividend income: X5709^=1)


X5711      Did you have income or losses from

           Did you or anyone have income or losses from

           net gains or losses from the sale of stocks, bonds, or real
           estate?

            1.  YES
            5.  NO


X5712      In total, how much income from

           net gains or losses from the sale of stocks, bonds, or real
           estate

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
           -1.  Nothing
            0.  Inap. (no capital gains or losses: X5711^=1)


X5713      Did you have income from

           Did you or anyone have income from

           net rent, trusts, or royalties from any other investment or
           business?

            1.  YES
            5.  NO


X5714      In total, how much income from

           net rent, trusts, or royalties from any other investment or
           business

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
           -1.  Nothing
            0.  Inap. (no rental, trust, or royalty income: X5713^=1)


X5715      Did you have income from

           Did you or anyone have income from

           unemployment or worker's compensation?

            1.  YES
            5.  NO


X5716      In total, how much income from

           unemployment or worker's compensation

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
            0.  Inap. (no unemployment income: X5715^=1)


X5717      Did you have income from

           Did you or anyone have income from

           child support or alimony which you or your family here receive?

            1.  YES
            5.  NO


X5718      In total, how much income from

           child support or alimony which you or your family here receive

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
            0.  Inap. (no child support or alimony income: X5717^=1)



X5719      Did you have income from

           Did you or anyone have income from

           ADC, AFDC, food stamps, or other forms of welfare or
           assistance such as SSI?

            1.  YES
            5.  NO


X5720      In total, how much income from

           ADC, AFDC, food stamps, or other forms of welfare or
           assistance such as SSI

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
            0.  Inap. (no welfare income: X5719^=1)


X5721      Did you have income from

           Did you or anyone have income from

           Social Security or other pensions, annuities, or other
           disability or retirement programs?

            1.  YES
            5.  NO


X5722      In total, how much income from

           Social Security or other pensions, annuities, or other
           disability or retirement programs

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
            0.  Inap. (no Social Security, pension, or annuity income:
                X5721^=1)


X5723      Did you have income from

           Did you or anyone have income from

           any other sources?

            1.  YES
            5.  NO

 
X5725      What other sources?

            1.  Settlements; from lawsuits, divorce, insurance
            2.  Gambling winnings; prize money
            3.  Education scholarships or grants (not including
                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 (government) agency
           23.  Trustee fee; executor fee
           30.  Sale of asset (coding as capital gain/loss has priority)
           31.  Alaska Permanent Fund
            0.  Inap. (no other income: X5723^=1)
           ********************************************************
              FOR THE PUBLIC DATASET, CODES 3, 4, 21, AND 31 ARE
              COMBINED WITH -7.
           ********************************************************


X5724      In total, how much income from

           any other sources

           did you receive in 1994, before deductions for taxes and
           anything else?

           did you and your family receive in 1994, before deductions
           for taxes and anything else?

           Code amount
           -1.  Nothing
            0.  Inap. (no other income: X5725^=1)


X7361      I would like to confirm that your total 1994 income from all

           I would like to confirm that your family's total 1994
           income from all 

           sources was {X5702+X5704+X5706+X5708+X5710+X5712+X5714+
           X5716+X5718+X5720+X5722+X5724}.

           Is that correct?

            1.  YES
            5.  NO
            0.  Inap. (at least one value in {J5702,J5704,J5706,
                J5708,J5710,J5712,J5714,J5716,J5718,J5720,J5722,J5724}
                >=90)
           NOTE: sometimes a respondent may have given an illegal
           value to one of (X5702 X5704 X5706 X5708 X5710 X5712 X5714
           X5716 X5718 X5720 X5722 X5724).  Most such values should
           not have been accepted by the CAPI program, but
           occasionally the software failed.  Such values were
           generally edited out, and often they were set to a missing
           value and subsequently imputed.  If the respondent did not
           give any incompete dollar responses to any of the component
           income questions, then he would be asked to confirm the
           total amount.  In all of these cases, there is inherent
           complex ambiguity about which income responses are most
           credible.  For these cases, the general policy was to
           change X7361 to the inapplicable code (zero).


X5729      What would be the correct total?

           How much was the total income you received in 1994 from all 
           sources, before taxes and other deductions were made?

           How much was the total income you and your family living here
           received in 1994 from all sources, before taxes and other
           deductions were made?

           Code amount
           -1.  Nothing

           NOTE: if X7361=1, the computed total is held in X5729.
           NOTE: in the public version of the dataset, the X7361 may
           be YES, but the value of the income in X5729 may not be
           equal to X5702+X5704+X5706+X5708+X5710+X5712+X5714+X5716+
           X5718+X5720+X5722+X5724 because of various operations
           applied to the data for disclosure avoidance.  The details
           of this operation cannot be revealed, but a general
           discription of the process is available in the papers cited
           in the introduction to this codebook.


X7650      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

           Note: some respondents reported that their 1994 income was
           unusually high (low), but gave a normal income figure at
           X7362 that was higher (lower).  These cases appear to be
           ones where the frame of reference for "normal" has shifted:
           e.g., a student made an unusually large amount last year as
           a student, but in a full-time job now makes more.


           Why is that?

X6765      Code reason income unusually high
            1.  Capital gains
            2.  Sale of assets
            3.  Higher business/self-employment income
            4.  Higher return on investments
            5.  Worked more; took second job
            6.  Stopped working since then: child
            7.  Stopped working since then: retired
            8.  Stopped working since then: other
            9.  Pension settlement
           10.  Other Settlement
           11.  Bonus
           12.  Inheritance
           13.  Good weather/crop
           14.  Took more money out of business
           15.  Good economy n.e.c.
           16.  Unexpected income n.e.c.
           17.  Change in household composition
           18.  Salary increase/higher salary; promotion
           19.  Social security/retirement/support payments began or
                increased
           20.  Social security/retirement/support payments stopped or
                decreased
           21.  Loans payed off
           22.  Changed jobs
           23.  Qualified for unemployment
           24.  Less able to work/ill since then
            0.  Inap. (income not unusually high: X7650^=1)

X6766      Code reason income unusually low
           1.  Low business/self-employment income
           2.  Low returns on investments
           3.  Worked less; laid off; fired
           4.  Illness; disability
           5.  In school
           6.  Stopped working: child
           7.  Stopped working: other
           8.  Current pension or other type of income not started yet
           9.  Depreciation
           10.  Business/job startup
           11.  Bad weather/crop
           12.  Took less money out of business
           13.  Bad  economy n.e.c.
           14.  Change in household composition
           15.  Charitable donation made
           16.  Decrease in benefits
           17.  Legal expenses/law suit
           18.  Not enough tax write-offs/tax problems
           19.  Bankruptcy
           20.  Lower salary/wages
           21.  Capital loss
           22.  Moved
            0.  Inap. (income not unusually low: X7650^=2)
           **********************************************************
              FOR THE PUBLIC DATASET, CODE 21 IS INCLUDED WITH 19.
           **********************************************************


X7362      About what would your income have been if it had been a normal year?

           Code amount
           -1.  Nothing
            0.  Inap. (income normal: X7650=3)


X304      Over the past five years, did your total income go up more
          than prices, less than prices, or about the same as prices?

          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


X7364     Over the next year, do you expect your total income to go up 
          more than prices, less than prices, or about the same as prices?

          Over the next year, 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


X7586      At this time, do you have a good idea of what your income
           for next year will be?

           At this time, do you have a good idea of what your family's
           income for next year will be?

            1.  YES
            5.  NO


X7366      Do you usually have a good idea of what your next year's 
           income will be?

           Do you usually have a good idea of what your family's next
           year's income will be?

            1.  YES
            5.  NO


X5731      During 1994, did you pay any alimony, separation payments, 
           or child support?

           During 1994, did you or anyone in your family living here
           pay any alimony, separation payments, or child support?

            1.  YES
            5.  NO


X5732      Altogether, how much alimony and/or child support did you
           pay in 1994?

           Altogether, how much alimony and/or child support did you
           and your family pay in 1994?

           Code amount
            0.  Inap. (no alimony: X5731^=1)


X5733      During 1994, did you provide any other financial support
           for  relatives or friends who do not live here?

           During 1994, did you provide any financial support for
           relatives or friends who do not live here?

           During 1994, did you or anyone in your family living here
           provide any other financial support for relatives or
           friends who do not live here?

           During 1994, did you or anyone in your family living here
           provide any financial support for relatives or friends who
           do not live here?

            1.  YES
            5.  NO


X5734      How much support did you pay?

           How much support did you and your family pay?

           Code amount
            0.  Inap. (no support given: X5733^=1)


           To whom was this support given?
           INTERVIEWER: CODE ALL THAT APPLY

X5735      Children under 18

X5736      Children 18 and over

X5737      Parents (In-Law)

X5738      Grandchildren

X5739      Grandparents

X5740      Siblings (In-Law)

X5741      Niece/Nephew

X5742      Friend

X5743      Other

            1.  Checked (only for X5735-X5742)
            2.  Aunt/Uncle (X5743 only)
            5.  Not checked
            9.  Ex-spouse  (will be edited out if same as payments to
                separated spouse reported at X5925 or spouse version)
                (X5743 only)
           10.  Other relatives (X5743 only)
            0.  Inap. (no support given: X5733^=1)


X5744      Did you or your (spouse/partner) file, or do you expect to
           file, a 1994 Federal Income tax return?

           Did you file, or do you expect to file, a 1994 Federal 
           Income tax return?

            1.  YES - FILED
            5.  NO -  DO NOT EXPECT TO FILE
            6.  YES - NOT YET FILED


X5746      Did you and your (spouse/partner) file a joint return,
           did you file separately, or did only one of you file?

           Will you and your (spouse/partner) file a joint return,
           will you file separately, or will only one of you file?

            1.  File Jointly
            2.  File Separately
            3.  Only R File
            4.  Only S File
            0.  Inap. (did not file and does not expect to do so: X5744=5;
                R not married or living with a partner: X102 not in
                (2 3); absent spouse/partner: X100=5)


-----------------------------------------------------------------------------
#1 refers to joint return
#2 refers to separate return for head
#3 refers to separate return for spouse/partner
-----------------------------------------------------------------------------
           Did you and your (spouse/partner) file a schedule C, E, or
           F with your return?

           Will you and your (spouse/partner) file a schedule C, E, or
           F with your return?

           Did you file a schedule C, E, or F with your return?

           Will you file a schedule C, E, or F with your return?

           Did your (spouse/partner) file a schedule C, E, or F with
           (his/her) return?

           INTERVIEWER: CODE ALL THAT APPLY.
           IF R ASKS:  SCHEDULE C IS FOR BUSINESS INCOME OR SELF EMPLOYMENT
           SCHEDULE E IS FOR TRUST AND PARTNERSHIP INCOME
           SCHEDULE F IS FOR FARM INCOME

X5747(#1)  Schedule C
X7758(#2)
X7762(#3)

X5748(#1)  Schedule E
X7759(#2)
X7763(#3)

X5749(#1)  Schedule F
X7760(#2)
X7764(#3)

X5750(#1)  None of these		
X7761(#2)
X7765(#3)
            1.  Checked
            5.  Not checked
            0.  Inap. (did not file and does not expect to do so: X5744=5;
                //no spouse)


X7367(#1)  Did you itemize deductions?
X7368(#2)
X7369(#3)  Will you itemize deductions?

           Did (he/she) itemize deductions on the return?

           Will (he/she) itemize deductions on the return?

            1.  YES
            5.  NO
            0.  Inap. (did not file and does not expect to do so: X5744=5;
                //no spouse)


X5751(#1)  What was your and your (spouse/partner)'s total adjusted
X7651(#2)  gross income (AGI) on your 1994 tax return? (Form 1040,
X7652(#3)  Line 31)

           What will be your and your (spouse/partner)'s total
           adjusted gross income (AGI) on your 1994 tax return? (What
           do you think it will be?) (Form 1040, Line 31)

           What was your total adjusted gross income (AGI) on your
           1994 tax return?  (Form 1040, Line 31)

           What will be your total adjusted gross income (AGI) on your
           1994 tax return? (What do you think it will be?) (Form
           1040, Line 31)

           What was (his/her) total adjusted gross income (AGI) on
           (his/her) 1994 tax return? 

           What will be (his/her) total adjusted gross income (AGI) on
           (his/her) 1994 tax return?  (What do you think it will be?)

           Code amount
           -1.  Nothing
            0.  Inap. (did not file and does not expect to do so: X5744=5;
                //no spouse)

Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
INHERITANCES AND CHARITABLE CONTRIBUTIONS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X5801      Have you or your (spouse/partner) ever received an
           inheritance, or been given substantial assets in a trust or
           in some other form?

           Have you ever received an inheritance, or been given
           substantial assets in a trust or in some other form? 

           Please include any gifts or inheritances you may have told
           me about earlier.

            1.  YES
            5.  NO


X5802      How many of these have you or your (spouse/partner) ever
           received?

           How many of these have you ever received?

           Code number
            0.  Inap. (no inheritances: X5801^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************

X6703      Originally reported value of X5802 (see introduction)

           Code number
            0.  Inap. (no inheritances: X5801^=1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************


-----------------------------------------------------------------------------
#1 refers to the first gift/inheritance
#2 refers to the second gift/inheritance
#3 refers to the third gift/inheritance
#4 refers to all remaining gifts/inheritances
-----------------------------------------------------------------------------
X5803(#1)  Was that an inheritance, a trust, or what?
X5808(#2)
X5813(#3)  Thinking about the largest of these, was that an inheritance, 
           a trust, or what?

            1.  INHERITANCE
            2.  TRUST
            3.  TRANSFER/GIFT
            6.  INHERITED TRUST
           -7.  OTHER
            0.  Inap. (no inheritances: X5801^=1; no inheritances:
                X5802<1/less than 2 inheritances: X5802<2/less than 3
                inheritances: X5802<3)

           NOTE: the large number of -7 codes for this variable reflect
           a programming error that cause the verbatim response to the
           question to be skipped.


X5804(#1)  What was its approximate value at the time it was received?
X5809(#2)
X5814(#3)  Code amount
            0.  Inap. (no inheritances: X5801^=1; no inheritances:
                X5802<1/less than 2 inheritances: X5802<2/less than 3
                inheritances: X5802<3)


X5805(#1)  In what year was it received?
X5810(#2)
X5815(#3)  Code year (4 digits)
            0.  Inap. (no inheritances: X5801^=1; no inheritances:
                X5802<1/less than 2 inheritances: X5802<2/less than 3
                inheritances: X5802<3)
           ************************************************
              FOR THE PUBLIC DATASET, ROUND TO NEAREST 5
           ************************************************


X5806(#1)  From whom was it received?
X5811(#2)
X5816(#3)  Code person
            1.  Grandparent
            2.  Parent
            3.  Child
            4.  Aunt/Uncle
            5.  Sibling
            6.  Friend
           12.  Government settlement/compensation
           -7.  Other
            0.  Inap. (no inheritances: X5801^=1; no inheritances:
                X5802<1/less than 2 inheritances: X5802<2/less than 3
                inheritances: X5802<3)

X5818(#5)  How much altogether were any others you have received?

           Code amount
            0.  Inap. (no inheritances: X5801^=1; less than 4
                inheritances: X5802<4)

X8451(#5)  Original value of remaining total for Rs who did not
           provide complete information within the grid structure (see
           introduction)

           Code amount
            0.  Inap. (no inheritances: X5801^=1; did not break off
                early in grid)


X5819      Do you or your (spouse/partner) expect to receive a
           substantial inheritance or transfer of assets in the future?

           Do you expect to receive a substantial inheritance or transfer 
           of assets in the future?

            1.  YES
            5.  NO


X5820      Is that likely to involve a large amount of money, a
           moderate amount, or what?

            1.  Large
            2.  Moderate
            3.  Small
           -7.  Other
            0.  Inap. (no expected future inheritance: X5819^=1)


X5821      About how much do you expect?

           Code amount
            0.  Inap. (no expected future inheritance: X5819^=1)


X5822      During 1994, did you make charitable contributions of money
           or property totaling $500 or more?

           During 1994, did you or anyone in your family living here
           make charitable contributions of money or property totaling
           $500 or more? 

           (Please do not include political contributions.)

            1.  YES
            5.  NO


X5823      Roughly, how much did you contribute?

           Roughly, how much did your family contribute?

           Code amount
            0.  Inap. (no charitable contributions: X5822^=1)


X7662      During 1994, did you volunteer an average of one hour or
           more a week to any charitable organizations?

           During 1994, did you or anyone 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


X5824      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 (spouse/partner)'s feelings?  Would you say it is
           very important, important, somewhat important, or not
           important?

           feelings?  Would you say it is very important, important,
           somewhat important, or not important?

            1.  Very Important
            2.  Important
            3.  R and SP/PARTNER DIFFER
            4.  Somewhat Important
            5.  Not Important


X5825      Do you and your (spouse/partner) expect to leave a sizable
           estate to others?

           Do you expect to leave a sizable estate to others?

            1.  Yes
            3.  POSSIBLY
            5.  No

Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
DEMOGRAPHIC CHARACTERISTICS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

-----------------------------------------------------------------------------
#1 refers to characteristics of head
#2 refers to characteristics of spouse/partner
-----------------------------------------------------------------------------
X5901(#1)  I'd like to ask you some questions about your background.
X6101(#2)  What is the highest grade of school or year of college you
           completed?

           I'd like to ask you some questions about your
           (spouse/partner)'s background.  What is the highest grade
           of school or year of college (he/she) completed?

            1.  1ST GRADE
            2.  2ND GRADE
            3.  3RD GRADE
            4.  4TH GRADE
            5.  5TH GRADE
            6.  6TH GRADE
            7.  7TH GRADE
            8.  8TH GRADE
            9.  9TH GRADE
           10.  10TH GRADE
           11.  11TH GRADE
           12.  12TH GRADE
           13.  1 YEAR OF COLLEGE
           14.  2 YEARS OF COLLEGE
           15.  3 YEARS OF COLLEGE
           16.  4 YEARS OF COLLEGE
           17.  GRADUATE SCHOOL
            0.  Inap. (/no spouse)


X5902(#1)  Did you get a high school diploma or pass a high school
X6102(#2)  equivalency test?

           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:
                X5901>12/X6101>12)


X5903(#1)  Since completing your formal education, have you had
X6103(#2)  on-the-job training or other vocational training lasting
           100 hours or more?

           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:
                X5901>12/X6101>12)


X5904(#1)  Did you get a college degree?
X6104(#2)  Did (he/she) get a college degree?

            1.  YES
            5.  NO
            0.  Inap. (/no spouse; 12 years or less of education:
                X5901<12/X6101<12)


X5905(#1)  What is the highest degree you have earned?
X6105(#2)  What is the highest degree (he/she) earned?

           INTERVIEWER: WE WANT THE DEGREE, NOT A LICENSE

           Code degree
            1.  Associate's and other junior college degree
            2.  Bachelor's
            3.  MA/MS and other master's except MBA
            9.  MBA
            4.  PhD (including post-doctorate)
            5.  MD; DDS; Doctor of Chiropracty; Doctor of Osteopathy
            6.  Law (JD)
           10.  Nursing degree (RN, LPN)
           11.  Other professional certificate
           12.  Other doctorate (DVM, Doctor of Divinity, etc.)
            0.  Inap. (/no spouse; 12 years or less of education:
                X5901<12/X6101<12; did not get a degree: X5904^=1/
                X6104^-1)
           ********************************************************
              FOR THE PUBLIC DATASET, CODE 9 IS COMBINED WITH 3;
              CODES 5, 6, AND 12 ARE COMBINED WITH 4; CODE 10 IS
              COMBINED WITH 11.
           ********************************************************


X5906(#1)  Has (he/she) ever been in the military service?
X6106(#2)
           Have you ever been in the military service?

            1.  YES
            5.  NO
            0.  Inap. (/no spouse)


X5909      Are you Native American, Asian, Hispanic, black, white, or
           another race?

           (SHOW CARD 16)

           Code group
            1.  Native American/Eskimo/Aleut
            2.  Asian or Pacific Islander
            3.  Hispanic
            4.  Black or African-American
            5.  White
           -7.  Other
           ********************************************************
              FOR THE PUBLIC DATASET, CODES 1 AND 2 ARE COMBINED
              WITH -7.
           ********************************************************

           NOTE: This question was asked only of the designated
           respondent (if X8000=5, this person is the head, otherwise
           it is the spouse/partner)
           NOTE: CARD 16 contains the following text printed in a
           vertical column: "Native American; Eskimo; Aleut," Asian;
           Pacific Islander," "Hispanic," "Black; African American,"
           "White," "Other."


X5910      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
           (spouse/partner) have who do not live with you?

           children, how many sons and daughters do you have who do
           not live with you?

           Code number
           -1.  None
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************


X5911      How many of them are 25 or older?

           Is that child 25 or older?

           Code number
           -1.  None
            0.  Inap. (no children who do not live with R: X5910=-1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************


X5912      How many of them are less than 18 years old?

           Is that child less than 18 years old?

           Code number
           -1.  None
            0.  Inap. (no children who do not live with R: X5910=-1)
           ********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 5
           ********************************************


X5913(#1)  How many living brothers and sisters do you have?
X6109(#2)
           How many living brothers and sisters does (he/she) have?

           Code number
           -1.  None
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************


X5914(#1)  How many are older than you?
X6110(#2)
           Is he or she older than you?

           How many are older than (he/she) is?

           Code number
           -1.  None
            0.  Inap. (no siblings: X5913=-1/X6109=-1;/no spouse)
           *********************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 10
           *********************************************


           How many years have you been married to your current spouse?

           How many years have you been living with your partner?

X7370(#1)  Code number of years
           -1.  None
            0.  Inap. (neither married nor living with a partner: X8023^=1
                or 2 and X7002^=1)
           *******************************************************
              FOR THE PUBLIC DATASET, TOP-CODED AT 60: YEAR AND
              AGE SIMILARLY ADJUSTED.
           *******************************************************

X7371(#1)  Code age
            0.  Inap. (neither married nor living with a partner: X8023^=1
                or 2 and X7002^=1)

X8005(#1)  Code year (4 digits)
            0.  Inap. (neither married nor living with a partner: X8023^=1
                or 2 and X7002^=1)


X7372(#1)  What is your current legal marital status?  Are you
X7018(#2)  married, separated, divorced, widowed, or have you never
           been married?

            1.  MARRIED
            3.  SEPARATED
            4.  DIVORCED
            5.  WIDOWED
            6.  NEVER MARRIED
            0.  Inap. (/no spouse or partner: X102^=2 or 3)


X6767(#1)   Recode: number of years in previous marriage.
X6768(#2)
            Code number of years
            -1.  Less than one year
             0.  Inap. (not separated, widowed, or divorced: X8023^=3,
                 4, or 5 and X7372^=3, 4, or 5; R married and living
                 with a parter: X8023=2 and X7372=1/Sp Married and
                 living with a partner: X8023=2 & X7018=1; no
                 spouse or partner)


           In what year were you separated from your spouse?

           In what year were you divorced?

           In what year were you widowed?

           In what year were you separated, divorced,  or widowed?

X8007(#1)  Code year (4 digits)
            0.  Inap. (not separated, widowed, or divorced: X8023^=3,
                4, or 5 and X7372^=3, 4, or 5)
           ****************************************************
               FOR THE PUBLIC DATASET, ROUNDED TO NEAREST 5.
           ****************************************************

X7373(#1)  Code age
            0.  Inap. (not separated, widowed, or divorced: X8023^=3,
                4, or 5 and X7372^=3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X7374(#1)  Code number of years
           -1.  Less than a year
            0.  Inap. (not separated, widowed, or divorced: X8023^=3,
                4, or 5 and X7372^=3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


           In what year did your current marriage begin?

           In what year did that marriage begin?

X8008(#1)  Code year
            0.  Inap. (not separated, widowed, or divorced and not
                married but living with a partner: X8023^=3, 4, or 5
                and X7372^=3, 4, or 5 and [X8023^=1 or X7002^=1] and
                [X8023^=2 or X7372^=1])
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X7375(#1)  Code age
            0.  Inap. (not separated, widowed, or divorced and not
                married but living with a partner: X8023^=3, 4, or 5
                and X7372^=3, 4, or 5 and [X8023^=1 or X7002^=1] and
                [X8023^=2 or X7372^=1])
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X7376(#1)  Code number of years
           -1.  Less than a year
            0.  Inap. (not separated, widowed, or divorced and not
                married but living with a partner: X8023^=3, 4, or 5
                and X7372^=3, 4, or 5 and [X8023^=1 or X7002^=1] and
                [X8023^=2 or X7372^=1])
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


           In what year was your (spouse/partner)
           (separated/divorced/widowed)?

X8016(#2)  Code year (4 digits)
            0.  Inap.  (partner not separate, widowed, or divorced:
                X7018^=3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X7383(#2)  Code age
            0.  Inap.  (partner not separate, widowed, or divorced:
                X7018^=3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X7384(#2)  Code number of years ago
           -1.  Less than a year
            0.  Inap.  (partner not separate, widowed, or divorced:
                X7018^=3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


           In what year did your partner's current marriage begin?

           In what year did that marriage begin?

X8017(#2)  Code year (4 digits)
            0.  Inap. (partner not currently married, separated,
                divorced, or widowed: X7018^=1, 3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X7385(#2)  Code age
            0.  Inap. (partner not currently married, separated,
                divorced, or widowed: X7018^=1, 3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X7386(#2)  Code number of years ago
           -1.  Less than a year
            0.  Inap. (partner not currently married, separated,
                divorced, or widowed: X7018^=1, 3, 4, or 5)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X5925(#1)  Do you receive support from your (husband/wife), do you pay
X7387(#2)  support, or is there no support involved?

           Do you receive support from your wife, do you pay support,
           or is there no support involved?

           Do you receive support from your husband, do you pay
           support, or is there no support involved?

           Does your partner receive support from his wife, does

           Does your partner receive support from her husband, does

            1.  Receive Support
            2.  No Support Involved
            3.  Pay Support
            0.  Inap. (not married and living with partner, and not
                separated: X8023^=1 and X7372^=1 and X8023^=3 and
                X7372^=3/no partner or partner not married or
                separated: [X8023^=2 and X7002^=1] or [(X8023=2 or
                X7002=2) and X7018=1 or 3])


X5926(#1)  How much do you receive?
X6650(#2)
           How much does (he/she) receive?

           Code amount
            0.  Inap. (not married and living with partner, and not
                separated: X8023^=1 and X7372^=1 and X8023^=3 and
                X7372^=3/no partner or partner not married or
                separated: [X8023^=2 and X7002^=1] or [(X8023=2 or
                X7002=2) and X7018=1 or 3]; does not receive support:
                X5925^=1/X7387^=1)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X5927(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X6651(#2)  Is that weekly, monthly, quarterly, yearly, or what?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -7.  Other
            0.  Inap. (not married and living with partner, and not
                separated: X8023^=1 and X7372^=1 and X8023^=3 and
                X7372^=3/no partner or partner not married or
                separated: [X8023^=2 and X7002^=1] or [(X8023=2 or
                X7002=2) and X7018=1 or 3]; does not receive support:
                X5925^=1/X7387^=1)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X5928(#1)  How much do you pay?
X6652(#2)
           How much does (he/she) pay?

           Code amount
            0.  Inap. (not married and living with partner, and not
                separated: X8023^=1 and X7372^=1 and X8023^=3 and
                X7372^=3/no partner or partner not married or
                separated: [X8023^=2 and X7002^=1] or [(X8023=2 or
                X7002=2) and X7018=1 or 3]; does not pay support:
                X5925^=3/X7387^=3)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X5929(#1)  INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
X6653(#2)  Is that weekly, monthly, quarterly, yearly, or what?

           Code frequency
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  Lump sum/one payment only
           11.  Twice per year
           12.  Bimonthly
           -7.  Other
            0.  Inap. (not married and living with partner, and not
                separated: X8023^=1 and X7372^=1 and X8023^=3 and
                X7372^=3/no partner or partner not married or
                separated: [X8023^=2 and X7002^=1] or [(X8023=2 or
                X7002=2) and X7018=1 or 3]; does not pay support:
                X5925^=3/X7387^=3)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X5930(#1)  Are the assets and debts that you've told me about in this
           interview owned mainly by you and your partner, are they
           owned jointly with your (husband/wife), or what?

           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?

           Are the assets and debts that you've told me about in this
           interview owned mainly by you and your partner, are they
           owned jointly with your wife, or what?

           Are the assets and debts that you've told me about in this
           interview owned mainly by you, are they owned jointly with
           your wife, or what?

           Are the assets and debts that you've told me about in this
           interview owned mainly by you and your partner, are they
           owned jointly with your husband, or what?

           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, or what?

            1.  Owned by R, or others in primary economic unit
            2.  Owned Jointly
            3.  Mainly owned by spouse
           -1.  No assets
           -7.  Other
            0.  Inap. (not married and living with partner, and not
                 separated: X8023^=1 and X7372^=1 and X8023^=3 and
                 X7372^=3)


X7377(#1)  Was this your first marriage, or had you been married before?
X7392(#2)
           Is your marriage to your absent spouse your first marriage,
           or have you been married before?

           Is this your first marriage, or have you been married before?

           Is this your (spouse/partner)'s first marriage, or has
           (he/she) been married before?

           Was this your partner's first marriage, or has (he/she)
           been married before?

            1.  First Marriage
            2.  Married Before
            0.  Inap. (never married: X8023=6 or X7372=6/no spouse or
                partner or partner not married before: [X8023^=1 or 2
                and X7002^=1] or X7918^-3, 4, or 5)


           How old were you when you were married the first time?

           How old was (he/she) when (he/she) was married the first time?

X7378(#1)  Code year (4 digits)
X7393(#2)   0.  Inap. (never married: X8023=6 or X7372=6/partner not
                married before: X105=6; not married before: X7377^=2/
                spouse not married before: X7392^=2)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************

X8011(#1)  Code age
X8018(#2)   0.  Inap. (never married: X8023=6 or X7372=6/partner not
                married before: X105=6; not married before: X7377^=2/
                spouse not married before: X7392^=2)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X7379(#1)  Code number of years ago
X7394(#2)  -1.  Less than a year
            0.  Inap. (never married: X8023=6 or X7372=6/partner not
                married before: X105=6; not married before: X7377^=2/
                spouse not married before: X7392^=2)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X6026(#1)  Now I'd like to ask about your parents.
X6120(#2)
           Is your mother still living?

           Is your (spouse/partner)'s mother still living?

            1.  YES
            5.  NO
            0.  Inap. (/no spouse)


X6027(#1)  What is her age?
X6121(#2)
           Code age
           0.  Inap. (/no spouse; mother not living: X6026^=1)
           ***************************************************
              FOR THE PUBLIC DATASET, ROUNDED TO NEAREST 5.
           ***************************************************


X6028(#1)  Is your father still living?
X6122(#2)
           Is your (spouse/partner)'s father still living?

            1.  YES
            5.  NO
            0.  Inap. (/no spouse)


X6029(#1)  What is his age?
X6123(#2)
           Code age
           0.  Inap. (/no spoue; father not living: X6028^=1)
           ***************************************************
              FOR THE PUBLIC DATASET, ROUNDED TO NEAREST 5.
           ***************************************************


X7380(#1)  Now I'd like to ask you some questions about your health; 
X7395(#2)  do you currently smoke?

           Now I'd like to ask you some questions about your
           (spouse/partner)'s health; does your (spouse/partner)
           currently smoke?

            1.  YES
            5.  NO
            0.  Inap. (/no spouse)


X6030(#1)  Would you say your health is excellent, good, fair, or poor?
X6124(#2)
           Would you say your (spouse/partner)'s health in general is
           excellent, good, fair, or poor?

            1.  Excellent
            2.  Good
            3.  Fair
            4.  Poor
            0.  Inap. (/no spouse)


X7381(#1)  About how old do you think you will live to be?
X7396(#2)
           If we asked your (spouse/partner), about how old do you
           think (he/she) would say that (he/she) expects to live to be?

           Code age
            0.  Inap. (/no spouse)


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
HEALTH INSURANCE
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
           For the rest of the questions in the interview, please
           include everyone in your household who has independent
           finances, not just the ones listed at the bottom of the
           card.
           HOUSEHOLD MEMBERS WITH INDEPENDENT FINANCES
           RELATIONSHIP    SEX      AGE   MARITAL


X6301      Are you or anyone in your family living here, including
           household members with independent finances, currently
           eligible to receive benefits from any government health
           insurance program, such as Medicare, Medicaid, or CHAMPUS,
           VA, or other military programs?

           Are you or anyone in your family living here currently
           eligible to receive benefits from any government health
           insurance program, such as Medicare, Medicaid, or CHAMPUS,
           VA, or other military programs?

           Are you currently eligible to receive benefits from any
           government health insurance programs, such as Medicare,
           Medicaid, or CHAMPUS, VA, or other military programs?

            1.  YES
            5.  NO


           Which program is that? (Anything else?) (CODE ALL THAT APPLY.)

           INTERVIEWER: ONLY PERSONS 65 0R OLDER SHOULD BE ELIGIBLE FOR
           MEDICARE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID.
           CHAMPUS IS FOR ACTIVE MILITARY.

X6302      Medicare

X6303      Medicaid

X6304      VA

X7399      Champus

X6305      Other

            1.  Checked (only for X6302, X6303, X6304, and X7399)
            5.  Not checked
            6.  Women, Infants, and Children (WIC), other federal
                welfare (X6305 only)
            7.  Other federal government plans (X6305 only)
            8.  Other local government plans (X6305 only)
           -7.  Other (X6305 only)
            0.  Inap. (no government insurance: X6301^=1)

           NOTE: This does not include civil service health plans,
           which are treated as private plans.


X6306      Is everyone living here covered by this program?

           Is everyone living here covered by one of these programs?

            1.  YES
            5.  NO
            0.  Inap. (no government insurance: X6301^=1)


           Who is not covered?  (CODE ALL THAT APPLY)

X6308      Head

X6309      Spouse/partner

X6310      Child(ren) under 18

X6311      Child(ren) 18 and Over

X6312      Father (In-Law)

X6313      Mother (In-Law)

X6314      Other

            1.  Checked (only for X6308, X6309, X6310, X6311, X6312,
                and X6313)
            2.  Grandchild (X6314 only)
            5.  Not checked
            8.  Other relative living there (X6314 only)
            9.  Paid help (X6314 only)
           10.  Other unrelated person living there (X6314 only)
           -7.  Other (X6314 only)
            0.  Inap. (no government insurance: X6301^=1; everyone
                covered by government plan: X6306=1)


X6315      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),
           a Medigap plan, or some other health insurance?

           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), a Medigap plan, or
           some other health insurance?

            1.  YES
            5.  NO


           Is this coverage obtained through your employer, former
           employer, or union, your (spouse/partner)'s employer,
           former employer, or union, through direct payments to an
           insurance company, AARP, or somewhere else?

           Is this coverage obtained through your employer, former
           employer, or union, through direct payments to an insurance
           company, AARP, or somewhere else?

           Is this coverage obtained through your employer or former
           employer, a union, through direct payments to an insurance
           company, AARP, or what?

X6316      HEAD'S EMPLOYER

X6317      HEAD'S FORMER EMPLOYER

X6318      R'S UNION

X6319      SPOUSE/PARTNER'S EMPLOYER

X6320      SPOUSE/PARTNER'S FORMER EMPLOYER

X6321      SPOUSE/PARTNER'S UNION

X6322      DIRECTLY FROM INSURANCE CO.

X7767      AARP

X6323      OTHER

            1.  Checked (only for X6316-X6322 and X7767)
            5.  Not checked
            6.  School (X6323 only)
           11.  Another person in HU (X6323 only)
           12.  Employer of another person in HU (X6323 only)
           13.  Another person outside of HU (incl. ex-spouse) (X6323 only)
           14.  Employer of person outside of HU (X6323 only)
            0.  Inap. (no private insurance: X6315^=1)

           NOTE: The point is who gives access.  If R pays part and
           employer pays part, the answer is Employer since it is the
           employer who provides the option. 


           How is this coverage paid for - by you, by an employer, by
           you and an employer, by a relative, or what?

           How is this coverage paid for - by you, by an employer, by
           you and an employer, by a relative, or what?

X6324      Someone in the primary economic unit

X6325      Employer

X6326      Relative

X6327      Former employer

X6328      Other

            1.  Checked (only for X6324-X6327)
            5.  Not checked
            6.  Employer of someone else in HH other than R/Spouse
                (X6328 only)
            7.  Employer of person outside HH, incl. relatives/
                ex-spouse (X6328 only)
            8.  Ex-spouse (X6328 only)
            9.  Government (X6328 only)
            0.  Inap. (no private insurance: X6315^=1)


X7666      How much do you pay for this insurance?

           How much do you and your other household members pay for
           this insurance?

           Code amount
            0.  Inap. (no private insurance: X6315^=1; insurance not
                paid for by anyone in PEU: X6324^=1)

X7667      INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED.
           And is that weekly, monthly, quarterly, yearly, or what?

           Code frequency
            1.  Day
            2.  Week
            3.  Biweekly
            4.  Month
            5.  Quarter
            6.  Year
            8.  In total
           11.  Twice per year
           12.  Bimonthly
           22.  Varies
           29.  Per visit
           -7.  Other
            0.  Inap. (no private insurance: X6315^=1; insurance not
                for by anyone in PEU: X6324^=1)


X6329      Is everyone in your household covered by at least one of
           these private health programs?

            1.  YES
            5.  NO
            0.  Inap. (no private insurance: X6315^=1)
                

           Who is not  covered (including those with independent finances)?
           (Anyone else?)
           (CODE ALL THAT APPLY)

X6330      Head

X6331      Spouse/partner

X6332      Child(ren) under 18

X6333      Child(ren) 18 and Over

X6334      Father (incl. In-Law)

X6335      Mother (incl. In-Law)

X6336      Other

            1.  Checked (only for X6330, X6331, X6332, X6333, X6334,
                and X6335)
            2.  Other adult relative(s) (X6336 only)
            5.  Not checked
            8.  Other relative living there (X6336 only)
            9.  Paid help (X6336 only)
           10.  Other unrelated person living there (X6336 only)
           -7.  Other (X6336 only)
            0.  Inap. (no private insurance: X6315^=1; everyone covered:
                X6329=1)


X7397      Is everyone in your family covered by some type of public
           or private health insurance?

            1.  YES
            5.  NO
            0.  (no government or private coverage: X6301^=1 and
                X6315^=1; everyone covered: X6306^=1 or X6329^=1)


X6337      This is a list of reasons why some people don't have health
           insurance.  Which number best describes why (you/some
           members of your family living here) are not covered?
           INTERVIEWER:  SHOW CARD 17

           Code reason
            1.  Too expensive, can't afford health insurance
            2.  Can't get health 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
                health insurance
            5.  Dissatisfied with previous insurance
            6.  Job layoff or job loss
            7.  Everyone covered by some health insurance
            11. Not covered on job yet, but will be soon; negotiating now
            12. Too old for parental coverage
            13. Haven't gotten around to it
            14. Lost public assistance
            15. Not eligible
            95. Those without private insurance are already covered
                by Medicare/Medicaid
           -7.  Other
            0.  (everyone covered: X6306^=1 or X6329^=1 or
                X7397=1)

           NOTE: CARD 17 contains the following text in a vertical
           column: "Too expensive, can't afford health insurance," "
           Can't get insurance because of poor health, age, or
           illness," "Don't believe in health insurance," "Not much
           sickness in the family; we haven't needed insurance,"
           "Dissatisfied with previous insurance," "Job  layoff or job
           loss," "Some other reason."


Top of Page
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
INCOME, ASSETS AND DEBTS OF HOUSEHOLD MEMBERS OUTSIDE THE PRIMARY
ECONOMIC UNIT
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
X6402      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.

           I'd like to ask some questions just about the other adult
           18 and over who lives with you (and your family) but has
           independent finances.

           Does he receive any income from wages or salaries?

           Does she receive any income from wages or salaries?

           Do they receive any income from wages or salaries?

           Do any of these other adults receive income from wages or
           salaries?

            1.  YES
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5)


X6403      Roughly how much total income did he have from wages and
           salaries in 1994 before taxes and deductions?

           Roughly how much total income did she have from wages and
           salaries in 1994 before taxes and deductions?

           Roughly how much total income did they have from wages and
           salaries in 1994 before taxes and deductions?

           Roughly how much total income did they have from wages and
           salaries in 1994 before taxes and deductions?

           Code amount
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no wages: X6402^=1)


X6404      Did you include this amount in the income you told me about
           earlier in this interview?

           (Where did you tell me about this income?)

            3.  YES, amount edited out earlier
            4.  YES, but no apparent match in the data: nothing changed
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X6405      Does he receive income from any other sources (such as
           social security, a pension, disability payments, public
           assistance, or income from a business or other assets)?

           Does she receive income from any other sources (such as
           social security, a pension, disability payments, public
           assistance, or income from a business or other assets)?

           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)?

           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 HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5)


           What other sources of income does he have?

           What other sources of income does she have?

           What other sources of income do they have?

           What other sources of income do they have?

X6406      Social Security

X6407      Pensions

X6408      Disability

X6409      Public Assistance

X6410      Interest Income

X6411      Dividends

X6412      Business

X6413      Real Estate

X6414      Other

            1.  Checked (only for X6406-X6413)
            5.  Not checked
           10.  Unemployment compensation (X6414 only)
           11.  Private transfers, including alimony and support
                (X6414 only)
           12.  Other government transfers; miscellaneous Alaskan
                funds (X6414 only)
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no other income: X6405^=1)


X6415      Roughly how much total income did he have from 

           Roughly how much total income did she have from 

           Roughly how much total income did they have from 

           Roughly how much total income did they have from 

           all these sources in 1994 before taxes and deductions?

           all this source in 1994 before taxes and deductions?

           Code amount
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no other income: X6405^=1)


X6416      Did you include this amount in the income you told me about
           earlier in this interview?

           (Where did you tell me about this income?)

            3.  YES, amount edited out earlier
            4.  YES, but no apparent match in the data: nothing changed
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no other income: X6405^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************



X6417      Does he have any cars or other vehicles?

           Does she have any cars or other vehicles?

           Do they have any cars or other vehicles?

           Do any of them have any cars or other vehicles?

            1.  YES
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5)


X6418      Roughly how much (is this/are these) vehicle(s) worth now?

           Code amount
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no vehicles: X6417^=1)


X6419      Did you include (this/these) vehicle(s) in the ones you
           told me about earlier in this interview?

           (Where did you tell me about this/these vehicles?)

            3.  YES, amount edited out earlier
            4.  YES, but no apparent match in the data: nothing changed
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no vehicles: X6417^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X6420      Does he have any bank accounts, savings accounts, or
           savings bonds?

           Does she have any bank accounts, savings accounts, or
           savings bonds?

           Do they have any bank accounts, savings accounts, or
           savings bonds?

           Do they have any bank accounts, savings accounts, or
           savings bonds?

            1.  YES
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5)


X6421      Roughly how much in total does he have in bank accounts,
           savings accounts, or savings bonds?

           Roughly how much in total does she have in bank accounts, 
           savings accounts, or savings bonds?

           Roughly how much in total do they have in bank accounts, 
           savings accounts, or savings bonds?

           Roughly how much in total do they have in bank accounts, 
           savings accounts, or savings bonds?

            Code amount
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no bank accounts: X6420^=1)


X6422      Did you include this amount when you told me about these
           items earlier in this interview?

           (Where did you tell me about this/these items?)

            3.  YES, amount edited out earlier
            4.  YES, but no apparent match in the data: nothing changed
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no bank accounts: X6420^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X6423      Does he have any other assets (such as stocks, bonds, a
           business, or any properties, including any part of the
           [house/apartment] you live in)?

           Does she have any other assets (such as stocks, bonds, a
           business, or any properties, including any part of the
           [house/apartment] you live in)?

           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)?

           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 HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5)


           What other kinds of assets does he have?

           What other kinds of assets does she have?

           What other kinds of assets do they have?

           What other kinds of assets do they have?

X6424      R's Home

X6425      Stocks

X6426      Bonds

X6427      Mutual Funds

X6428      Money Market Funds

X6429      Business

X6430      Other Real Estate

X6431      Other

            1.  Checked (only for X6424-X6430)
            5.  Not checked
            9.  Life insurance (X6431 only)
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no other assets: X6423^=1)

           NOTE: CARD 18 was available to the interviewer.  This card
           contains the following text arranged in a vertical column:
           "Your home," "Stocks," "Bonds," "Mutual Funds," "Money
           market funds," "Business," "Other real estate," "Other kind
           of asset."


X6432      Roughly how much in total does he have in (ASSET TYPES)?

           Roughly how much in total does she have in (ASSET TYPES)?

           Roughly how much in total do they have in (ASSET TYPES)?

           Roughly how much in total do they have in (ASSET TYPES)?

           Code amount
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no other assets: X6423^=1)


X6433      Did you include this amount in the assets you told me about
           earlier in this interview?

           (Where did you tell me about (ASSET TYPES)?)

            3.  YES, amount edited out earlier
            4.  YES, but no apparent match in the data: nothing changed
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no other assets: X6423^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X6435      What share of this home does he own?

           What share of this home does she own?

           What share of this home do they own?

           What share of this home do they own?

           Code percent * 100
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                does not own part of R's home: X6424^=1)


X6436      What is the present value of this home?  I mean, about what
           would it bring if it were sold today?

           Code amount
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                does not own part of R's home: X6424^=1)


X6437      What is the amount still owed on all the mortgages, land
           contracts, and loans on the home?

           Code amount
           -1.  Nothing
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                does not own part of R's home: X6424^=1)


X6438      Not including any debts he owes you or your
           (spouse/partner), does he have any debts?

           Not including any debts he owes you, does he have any
           debts?

           Not including any debts she owes you or your
           (spouse/partner), does she have any debts?

           Not including any debts she owes you, does she have any
           debts?

           Not including any debts they owe you or your
           (spouse/partner), do they have any debts?

           Not including any debts they owe you, do they have any
           debts?

           Not including any debts they owe you or your
           (spouse/partner), do they have any debts?

           Not including any debts they owe you, do they have any
           debts?

            1.  YES
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5)


X6439      Roughly how much in total are these debts?

           Code amount
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no non-mortgage debts: X6438^=1)


X6440      Did you include these debts when you told me about the
           household debts earlier in this interview?

           (Where did you tell me about these debts?)

            3.  YES, amount edited out earlier
            4.  YES, but no apparent match in the data: nothing changed
            5.  NO
            0.  Inap. (no HH members outside the primary economic
                unit: X113^=5 and X119^=5 and X125^=5 and X131^=5 and
                X137^=5 and X207^=5 and X213^=5 and X219^=5 and X225^=5;
                no non-mortgage debts: X6438^=1)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
WRAPUP QUESTIONS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
            Earlier you told me about a pension or retirement plan you
            are included in through your current job.  Because
            pensions are an important part of this study and there are
            many legal details of plans very few people know, we would
            like to contract the organization that provides your
            pension to obtain a legal description of your plan(s).
            Your name and the fact that you did this interview will
            not be mentioned.  What is the name and address of the
            organization that provides your pension?

            Earlier you told me about a pension or retirement plan your
            (spouse/partner) is included in through (his/her) current job.

            Because pensions are an important part of this study and
            few people know all the legal details of their plans, we
            would like to contact the organization that provides your
            pension to obtain a legal

            description of his plan(s).  His name and the fact that you
            did this interview will not be mentioned.

            description of her plan(s).  Her name and the fact that you
            did this interview will not be mentioned.

            What is the name and address of the organization that provides 
            (his/her) pension?


            That finishes the actual interview.  Is there anything you
            would like to add to any of the subjects we've discussed?


            INTERVIEWER:  DO CASE VALIDATION NOW WHILE THE CASE IS FILING.
            PLEASE THANK THE RESPONDENT!


X7398      TIMESTAMP

            Code length of interview in seconds

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-----------------------------------------------------------------------------
INTERVIEWER REMARKS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
NOTE: The data in this section were obtained in two ways.  First, some
of the data derive from the "household enumeration folder" (HEF) a
largely administrative paper document used by interviewers to select
the designated respondent, to update the area-probability sample, to
record recontact information, and to record information about
non-interviews.  Additional data were collected in the HEF on the
neighborhood in which the respondent lived and on characteristics of
the respondent.  Second, other variables (X6523, X6525, X6526, X6527,
X6528, X6529, X6530, X6531, X6532, X6533, X6534, X6535, X6536, X6724,
X6725, X6726, X6727, X6728, X6729, and X7504) were originally recorded
in "Section ZZ," a separate CAPI program used by interviewers after
the main interview to record the varibles along with other information
about the interview that might be relevant to the data editing.
Not all of the variables collected are described in this section;
only variables similar to those reported in earlier SCFs are included
here.
-----------------------------------------------------------------------------
X6504       TYPE OF STRUCTURE IN WHICH R LIVES: (CODE THE FIRST THAT
            APPLIES)

             0.  Did not see R's home
             1.  Trailer, mobile home
             2.  Detached single-family home
             3.  Building with 2-9 units
             4.  Building with 10-49 units
             5.  Building with 50 or more units
             6.  Apartment in mostly commercial structure
             8.  Apartment above garage/barn/basement apt.
             9.  Attached single-family home (rowhouse, townhouse)
            10.  Seasonal dwelling
            11.  No HU at this address (business, church, barn, shed,
                 shelter)
            12.  No structure at this address (demolished, vacant
                 lot/site)
            13.  Farm
            14.  Ethnic dwelling (American Indian hogram, Middle
                 Eastern hosani)
            15.  Boat/houseboat/yacht
            -7.  Other
            *************************************************************
               FOR THE PUBLIC DATASET, CODE 5 IS INCLUDED WITH 4; CODE
               8 IS INCLUDED WITH 6; AND CODES 11, 12, 14, AND 15 ARE
               INCLUDED WITH -7.
            *************************************************************


X6521       CONDITION OF STRUCTURE IN WHICH R LIVES

             1.  Generally clean and sound
             2.  Some peeling paint or cracks in walls
             3.  Needs substantial painting, refilling, or repair
             4.  Dilapidated
             0.  Inap. (Interview not conducted in R's home)


X6520       HOUSING STRUCTURES ON (BLOCK/AREA) 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)


            THE AREA AROUND R'S HU IS:  (CODE ALL THAT APPLY)

X50079      HEFNO6: OPEN LAND/FARMS/RANCHES (fairground, forest)
X50080      HEFNO6: TRAILER HOME/TRAILER PARK
X50081      HEFNO6: DETACHED SINGLE FAMILY HOMES
X50082      HEFNO6: ATTACHED SINGLE-FAMILY HOMES
X50083      HEFNO6: BUILDINGS WITH 2-9 UNITS
X50084      HEFNO6: BUILDINGS WITH 10-49 UNITS
X50085      HEFNO6: BUILDINGS WITH 50 OR MORE UNITS
X50086      HEFNO6: GOLF COURSE/COUNTRY CLUB/SKI RESORT
X50087      HEFNO6: PARK/POOL OR CEMETERY
X50088      HEFNO6: COMMERCIAL BUILDINGS
X50089      HEFNO6: VACANT BUILDINGS
X50090      HEFNO6: SCHOOL/COLLEGE OR OTHER GOV'T BUILDINGS
X50091      HEFNO6: OTHER (SPECIFY)


             1.  Yes
             2.  No
             3.  Religious building (church, synagogue) (X50091 only)
             4.  Community center (X50091 only)
             5.  Body of water (lake, ocean, river) (X50091 only)
             6.  Freeway/highway/airport (X50091 only)
             7.  American Indian reservation (X50091 only)
             8.  Rail line (X50091 only)
             9.  Vacation homes (X50091 only)
            10.  Parking lot (X50091 only)
            11.  Museum (X50091 only)
            12.  Stadium/sports arena/convention center (X50091 only)
             0.  Inap. (Interview not conducted in R's home)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X6519       BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD ARE:

             1.  All residential
             2.  Mostly residential
             3.  About equally residential nad nonresidential
             4.  None in view
             0.  Inap. (Interview not conducted in R's home)


X6522       GENERAL CONDITION OF THE EXTERIOR OF BUILDINGS
            AROUND R'S DWELLING LOOKS:

             1.  Better than R's
             2.  As good as R's
             3.  Worse than R's
             4.  No other buildings in view
             0.  Inap. (Interview not conducted in R's home)


X6524       NEIGHBORHOOD RESIDENTS SEEM TO BE:

             1.  All or almost all black/African-American
             2.  All or almost all Hispanic
             3.  All or almost all non-Hispanic white
             4.  Mixed black/African-American and Hispanic
             5.  Mixed black/African-American and non-Hispanic white
             6.  Mixed Hispanic and non-Hispanic white
             7.  Mixed black/African-American, Hispanic and
                 non-Hispanic white
             8.  Other mixed neighborhood
             0.  Inap. (Interview not conducted in R's home)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X50095      GENERALLY, THE AREA AROUND THE R'S HU APPEARS TO BE:

             1.  Wealthy
             2.  Poor
             3.  Other
             0.  Inap. (Interview not conducted in R's home)
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


X6523      Please rate the physical condition of the interior of the HU:

            1.  EXCELLENT. WALLS AND CEILINGS HAVE NO CRACKS. PAINT OR
                PANELLING 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.
            5.  DON'T KNOW--WASN'T INSIDE HOUSE.


X6525      R's understanding of the questions was...

            1.  EXCELLENT
            2.  GOOD
            3.  FAIR
            4.  POOR


X6526      R's ability to express himself/herself was...

            1.  EXCELLENT
            2.  GOOD
            3.  FAIR
            4.  POOR


X6527      Was R suspicious about the study before the interview?

            1.  NO, NOT AT ALL SUSPICIOUS
            2.  YES, SOMEWHAT SUSPICIOUS
            5.  YES, VERY SUSPICIOUS


X6528      Was R suspicious about the study after the interview?

            1.  NO, NOT AT ALL SUSPICIOUS
            2.  YES, SOMEWHAT SUSPICIOUS
            5.  YES, VERY SUSPICIOUS


X6529      Overall, how great was R's interest in the interview?

            1.  VERY HIGH
            2.  ABOVE AVERAGE
            3.  AVERAGE
            4.  BELOW AVERAGE
            5.  VERY LOW


           Other persons present at the interview: (CODE ALL THAT APPLY)

X6530      CHILDREN UNDER AGE 6

X6531      CHILDREN 6 AND OVER

X6532      SPOUSE/PARTNER

X6533      OTHER RELATIVES

X6534      OTHER ADULTS

X6535      NO ONE

            1.  Checked
            5.  Not checked


X6536      Did R refer to documents to answer questions?

            1.  FREQUENTLY
            2.  SOMETIMES
            3.  RARELY
            4.  NEVER


X6724 X6725 X6726 X6727 X6728 X6729
           Which documents did R refer to? (CODE ALL THAT APPLY)

            1.  INCOME TAX RETURNS
            2.  PENSION DOCUMENTS
            3.  ACCOUNT STATEMENTS
            4.  INVESTMENT/BUSINESS RECORDS
            5.  LOAN DOCUMENTS
            7.  CREDIT CARDS/CREDIT CARD STATEMENTS
            8.  CHECK BOOK/CHECK REGISTRY
            9.  INCOME/PAYCHECK STUB/OTHER INCOME RECORDS
           10.  COMPUTER/PC/LAPTOP
           11.  HANDWRITTEN LEGERS/PAPERS/NOTES
           12.  HEALTH INSURANCE/LIFE INSURANCE
           13.  TAX BILLS
           14.  SECRETARY/ACCOUNTANT/FINANCIAL ADVISOR
           15.  RENT RECEIPT/APARTMENT AGREEMENTS
           18.  SOME, NOT KNOW WHAT KIND
           19.  MANY, NEC
           20.  REAL ESTATE RECORDS
           21.  SOCIAL SECURITY CHECKS/STATEMENT
           22.  VEHICLE LEASE
           23.  EMPLOYMENT RECORDS/EMPLOYEE HANDBOOK
           24.  PHONE BOOK
           25.  INHERITANCE PAPERS
           98.  DON'T KNOW
           -7.  OTHER
           .N.  NOT CODEABLE
            0.  Inap. (did not refer to any documents: X6536=4)
           *********************************************************
              IN THE PUBLIC DATASET, CODE 25 IS INCLUDED WITH -7.
           *********************************************************


X7504      In what language was the survey conducted?

            1.  ENGLISH
            2.  SPANISH
           ************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ************************************************


           Other than inheritances, do you believe that the R reported
           the same asset or debt more than once in the interview?

           Which assets and/or debts are these?


           Do you believe that any important assets or debts were not
           collected in the interview?

           Which assets and/or debts are these?


           Do you believe there are any important consistency problems
           with this interview?

           What are these problems?


           Is there anything about this case that would be helpful in
           resolving problems with this case, or anything else you
           believe we need to know?

           Please specify.


           INTERVIEWER: THANK YOU FOR COMPLETING ANOTHER INTERVIEW AND
           THIS IMPORTANT BACKGROUND INFORMATION. YOUR CARE AND
           ATTENTION ARE ESSENTIAL TO THE SUCCESS OF THIS PROJECT.

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END OF QUESTION DEFINITIONS

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SAMPLE DESIGN VARIABLES - NOT INCLUDED ON PUBLIC DATASET

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ZZ1        Internal ID including postcard refusals etc.
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30007     SEQID for the 1993 SOI file.
           ONLY AVAILABLE IN LOCKED LINK FILE
           NOT TO BE INCLUDED ON ***ANY*** ROUTINE USE FILE!

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X2         Interviewer ID Number.

           999999. Case not assigned (list sample cases for which
                   postcard returned indicating desire not to be
                   interviewed; stratum 8 cases)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X4         Day case logged in.

           1-31
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X3         Month case logged in.

            1. January
            2. February
               Non-interviews cases logged in January and February 1996

            5. May
               A mixture of returned postcard refusals for list cases
               and a failure of the date stamp for early returns-->
               fix the latter using the HEF data!!!!!               

            7. July
            8. August
            9. September
           10. October
           11. November
           12. December
           NOTE: The official field period for the survey was between
           July and December of 1995.
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X8095      Year case logged in
           1995.
           1996.
           NOTE: values of 1996 for completed cases reflects one of
           two factors: (1) Some completed cases were left on the laptop
           computers when interviewers returned them to the central
           office, and the computer date on some of these cases may be
           in 1996 even though the data were collected in 1995.  (2)
           Other errors.
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X9         List sample indicator.

           1.  List sample case
           5.  Not list sample case
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

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

X30006     Sample disposition code.

           COMPLETE CASES
            61 Completed Case (In Person)
            62 Completed Case (Telephone)
            63 Complete, not otherwise classified
            65 Converted Case (In Person)
            66 Converted Case (Telephone)
            67 Accepted Partial Complete
            68 Complete (In Person/Telephone)
            69 Converted (In Person/Telephone)

           INELIGIBLE CASES
            71 Vacant HU
            72 Not an HU
            73 Seasonal HU
            75 Vacant Trailer Space
            76 Sample Incorrect
            77 No Eligible Respondent
            81 R Deceased (list sample only)
            84 R Moved Out of Range (list sample only)
            86 R Institutionalized (list sample only)

           OTHER NON-INTERVIEWS
            80 Refusal/Postcard Returned (list sample only)
            74 No Contact
            82 Unable to Locate
            83 Unavailable During Field Period
            88 Closed Domain
            90 Language Barrier
            91 Refusal by Gatekeeper
            92 Refusal/Break-Off/Too Long
            93 Refusal/Break-Off/Too Invasive-Personal
            94 Refusal Government Involvement
            95 Incompetent/Ill/Handicapped
            96 HEF Completed/Quex Refusal
            97 NIR, not otherwise classified

           101 List case deleted in sample review for cases that might
               be too easily identifiable in the data
           102 Stratum 8 list cases deleted from the sample

           997 Case did not validate, not redone
           998 Technically complete case, but interview done with
               wrong person (most of these were removed before the
               shipment of the final control file and main data)
           999 Technically complete case, but nearly all data missing.
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30001     PSU number

           SELF-REPRESENTING PSU
             1  New York CMSA                                 
             2  Los Angeles CMSA                   
             3  Chicago CMSA                       
             4  San Francisco-Oakland-San Jose     
             5  Philadelphia CMSA                  
             6  Detroit CMSA                       
             7  Dallas-Ft. Worth CMSA              
             8  Washington DC MSA                  
             9  Houston CMSA                       
            10  Boston NECMA                       
            11  Atlanta MSA                        
            12  Tampa-St. Petersburg-Clearwater    
            13  St. Louis MSA                      
            14  Minneapolis-St. Paul MSA           
            15  Phoenix MSA                        
            16  San Diego, CA MSA                  
            17  Baltimore MSA                      
            18  Pittsburgh PMSA                    
            19  Seattle PMSA                       

           NON-SELF-REPRESENTING PSU
            20  Burlington, VT NECMA               
            21  Worcester, MA NECMA         
            22  New Haven, CT NECMA         
            23  Buffalo PMSA                
            24  Rochester, NY MSA           
            25  Allentown-Bethlehem-Easton  
            26  Syracuse, NY MSA            
            27  York, PA MSA                
            28  Eau Claire, WI MSA          
            29  Evansville, IN MSA          
            30  Jackson, MI MSA             
            31  Ft. Wayne, IN MSA           
            32  Indianapolis, IN MSA        
            33  Cleveland, OH MSA           
            34  Cincinnati, OH MSA          
            35  Columbus, OH MSA            
            36  Lansing, MI MSA             
            37  Saginaw-Bay City MSA        
            38  Kansas City MSA             
            39  Rapid City, SD MSA          
            40  Springfield, MO MSA         
            41  Hickory-Morganton, NC MSA   
            42  Ft. Myers-Cape Coral MSA    
            43  West Palm Beach-Boca Raton  
            44  Charlotte-Gastonia MSA      
            45  Wilmington, NC MSA            
            46  Lynchburg, VA MSA             
            47  Richmond-Petersburg, VA MSA   
            48  Ft. Lauderdale, FL PMSA       
            49  Miami, FL PMSA                
            50  Norfolk-Virginia Beach-Newport
            51  Charleston, SC MSA            
            52  Memphis, TN MSA               
            53  Birmingham, AL MSA            
            54  Nashville, TN  MSA            
            55  Knoxville, TN MSA             
            56  Enid, OK MSA                  
            57  Oklahoma City, OK MSA         
            58  Waco, TX MSA                  
            59  Austin, TX MSA                
            60  New Orleans, LA MSA           
            61  Corpus Christi, TX MSA        
            62  Pueblo, CO MSA                
            63  Denver, CO MSA                
            64  Tucson, AZ MSA                
            65  Boulder, CO PMSA              
            66  Bellingham, WA MSA            
            67  Tacoma, WA                    
            68  Modesto, CA MSA               
            69  Santa Barbara, CA MSA         

            70  Windham Co., CT               
            71  Franklin Co., NY              
            72  Franklin Co., PA              
            73  Windham Co., VT               
            74  Lee Co., IL                   
            75  Lawrence Co., IN              
            76  Riley Co., KS                 
            77  Allegan Co., MI               
            78  Crow Wing Co., MN             
            79  Barry Co., MO                 
            80  Burke Co., ND                 
            81  Sandusky Co., OH              
            82  Waushara Co., WI              
            83  Choctaw Co., AL               
            84  Sussex Co., DE                
            85  Floyd Co., GA                 
            86  Cumberland Co., KY            
            87  St. Landry Parish, LA         
            88  Copiah Co., MS                
            89  Iredell Co., NC               
            90  Edgecombe Co., NC                
            91  Horry County, SC                 
            92  Greene County, TN                
            93  Chambers Co., TX                 
            94  Hopkins Co., TX                  
            95  Caroline Co., VA                 
            96  Coconino Co., AZ                 
            97  Mesa County, CO                  
            98  Richland Co., MT                 
            99  Wasco County, OR                 
           100  Anchorage MSA                    
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X30055     PSU name (character variable)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30029     State where respondent's residence is located.
           Standard two-character code
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30030     State where (population center of) PSU is located.
           Standard two-character code
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30045     State-County (FIPS) code
           NOTE: this variable is stored as numeric, and all variables
           are implicitly 5 digits wide: thus, a value of 1001 is
           implicitly 01001.
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30041     Metro indicator for PSU

           1 Self-representing PSU
           2 Other MSA/NECMA
           3 Non-MSA
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30021     Area probability segment number

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30040     Census tract number

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30052     Census block code

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30054     5-digit ZIP code
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************



X30056     Number of segments in PSU

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30042     Number of lines listed in PSU

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30049     Lines listed for AP sample within segment.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30043     Lines in PSU expected from 1990 Census

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30050     Lines expected in segment from 1990 Census.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30044     Number of missed HUs in PSU

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30051     Number of missed HUs in segment.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30002     Number of sample cases in PSU.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30003     Number of ineligible cases in PSU.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30004     Number of completed cases in PSU.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30053     Lines listed in block.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30067     Indicator of cases added to the sample.

           1. Missed AP HU
           2. Case part of AP replicates added during field period
           3. Spouse of a divorced list sample case
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30064     Number of missed HUs found at address.  The variable is
           associated with both the original address and the addresses
           actually added to the sample.  A maximum of 3 misssed
           addresses were added.  In one instance, 33 additional HUs
           were found, but only 3 cases were added.

           0.  Inap. (not a missed AP HU; not an AP case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30065     Number of missed HUs added to the sample.  This variable
           has the same value as X30064 except for one value.  As
           noted in the definition of X30064, 33 missed HUs were
           discovered, but only 3 of these were added to the sample.
           This variable is associated with both the original address
           and the addresses added to the sample.

           0.  Inap. (not a missed AP HU; not an AP case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30033     PSU selection probability.
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30015     Original EPSEM weight for AP cases.
           Total Census households (102263678) divided by (the total
           number of AP lines originally selected (4466) + the total
           number of lines from added sample replicates (232)).

           For all AP cases.  Sums to 1990 population.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30005     Design-based nonresponse-adjusted area-probability weight.
           X30015*(X30002-X30003)/X30004.

           0. Inap. (not an area-probability sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30068    Nonresponse and growth-adjusted area-probability weight.
          X30015*(sample cases in segment/completes in segment)*(lines
          in segment/1990 census lines in segment)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30025     Paired PSUs (segments for self-representing PSUs) for
           variance estimation: a 3-digit variable that identifies
           pseudo-strata combinations by pairing segments in the
           self-representing PSUs and PSUs in the non-self-representing
           areas.  (X30076 is given in parentheses.)
     
           SELF-REPRESENTING PSUs

             11  New York CMSA (1)
             12  New York CMSA (1)

             21  Los Angeles CMSA (2)
             22  Los Angeles CMSA (2)

             31  Chicago CMSA (3)
             32  Chicago CMSA (3)

             41  San Francisco-Oakland-San Jose (4)
             42  San Francisco-Oakland-San Jose (4)

             51  Philadelphia CMSA (5)
             52  Philadelphia CMSA (5)

             61  Detroit CMSA (6)
             62  Detroit CMSA (6)

             71  Dallas-Ft. Worth CMSA (7)
             72  Dallas-Ft. Worth CMSA (7)

             81  Washington DC MSA (8)
             82  Washington DC MSA (8)

             91  Houston CMSA (9)
             92  Houston CMSA (9)

            101  Boston NECMA (10)
            102  Boston NECMA (10)

            111  Atlanta MSA (11)
            112  Atlanta MSA (11)

            121  Tampa-St. Petersburg-Clearwater (12)
            122  Tampa-St. Petersburg-Clearwater (12)

            131  St. Louis MSA (13)
            132  St. Louis MSA (13)

            141  Minneapolis-St. Paul MSA (14)
            142  Minneapolis-St. Paul MSA (14)

            151  Phoenix MSA (15)
            152  Phoenix MSA (15)

            161  San Diego, CA MSA (16)
            162  San Diego, CA MS (16)

            171  Baltimore MSA (17)
            172  Baltimore MSA (17)

            181  Pittsburgh PMSA (18)
            182  Pittsburgh PMSA (18)

            191  Seattle PMSA (19)
            192  Seattle PMSA (19)

           NON-SELF-REPRESENTING PSUs

            201  Burlington VT (20)
            202  Worcester MA (21)

            211  New Haven CT (22)
            212  Buffalo NY (23)

            221  Rochester NY (24)
            222  Allentown-Bethlehem-Easton PA (25)

            231  Syracuse NY (26)
            232  York PA (27)

            241  Eau Claire WI (28)
            242  Evansville IN, (29)

            251  Jackson MI (30)
            252  Ft. Wayne IN (31)

            261  Indianapolis IN (32)
            262  Cleveland OH (33)
            263  Kansas City MO (38)

            271  Cincinnati OH (34)
            272  Columbus OH (35)

            281  Lansing MI (36)
            282  Saginaw-Bay City MI (37)

            291  Rapid City SD (39)
            292  Springfield MO (40)

            301  Ft. Myers-Cape Coral FL (42)
            302  West Palm Beach-Boca Raton FL (43)

            311  Hickory-Morganton, NC (41)
            312  Charlotte-Gastonia NC (44)
            313  Wilmington NC (45)

            321  Lynchburg VA (46)
            322  Richmond-Petersburg VA (47)

            331  Ft. Lauderdale FL (48)
            332  Miami FL (49)

            341  Norfolk-Virginia Beach-Newport News VA (50)
            342  Charleston SC (51)

            351  Memphis TN (52)
            352  Birmingham AL (53)

            361  Nashville TN (54)
            362  Knoxville TN (55)

            371  Enid OK (56)
            372  Oklahoma City OK (57)

            381  Waco TX (58)
            382  Austin TX (59)

            391  New Orleans LA (60)
            392  Corpus Christi TX (61)

            401  Pueblo CO (62)
            402  Denver CO (63)

            411  Tucson AZ (64)
            412  Boulder CO (65)

            421  Bellingham WA (66)
            422  Tacoma WA (67)
            423  Anchorage AK (100) 

            431  Modesto CA (68)
            432  Santa Barbara CA (69)

            441  Windham Co. CT (70)
            442  Franklin Co. NY (71)

            451  Franklin Co. PA (72)
            452  Windham Co. VT (73)

            461  Lee Co. IL (74)
            462  Lawrence Co. IN (75)

            471  Riley Co. KS (76)
            472  Allegan Co. MI (77)

            481  Crow Wing Co. MN (78)
            482  Barry Co. MO (79)

            491  Burke Co. IN (80)
            492  Sandusky Co. OH (81)
            493  Waushara Co WI (82)

            501  Sussex Co. DE (84)
            502  Floyd Co. GA (85)

            511  Cumberland Co. KY (86)
            512  St. Landry Parish LA (87)

            521  Choctaw Co. AL (83)
            522  Copiah Co. MS (88)
            523  Iredell Co. NC (89)

            531  Edgecombe Co. NC (90)
            532  Horry Co. SC (91)

            541  Greene Co. TN (92)
            542  Chambers Co. TX (93)

            551  Hopkins Co. TX (94)
            552  Caroline Co. VA (95)

            561  Coconino Co. AZ (96)
            562  Mesa Co. CO (97)

            571  Richland Co. MT (98)
            572  Wasco Co. OR (99)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************
           

X30035     Wealth index estimated by grossing up income flows
           (1992-type wealth index).

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30037     Regression model based wealth index.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30038    Merged wealth index.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30039     Percentile of wealth index distribution in SOI file.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30009     List sample wealth-index stratum number.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30058     Divorced list case indicator.

           1.  Both of divorced pair interviewed
           2.  Only one of divorced pair interviewed
           0.  Inap. (not a divorced list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30059     Divorce-adjusted wealth index (grossed up income flow version): 
           If list case divorced: X30035/2,
           Otherwise: X30035.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30060     Divorce-adjusted regression model based wealth index: 
           If list case divorced: X30037/2,
           Otherwise: X30037.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30061     Divorce-adjusted merged wealth index (average of "centered
           and rescaled" X30059 and X30060).

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30062     Percentile of divorce-adjusted wealth index distribution in
           SOI file.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30024     Divorce-adjusted wealth index stratum.  When joint filers
           had divorced since the sample was drawn, the capitalized income
           flows input to 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)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30023     List sample financial income post-stratum, defined in terms
           of all interest and dividend income reported on page 1 of
           IRS Form 1040.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30063     Divorce-adjusted 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)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30032     List sample type indicator

           1. Certainty case
           2. Main sample
           3. Supplemental sample
           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30073     Indicator of PSU that would be selected as
           self-representing if the measure of size were the number of
           units in stratum 5 or higher.

           1. Self representing
           0. Not self-representing; AP case
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30034     Smoothed PSU selection probability.
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30031     Original SOI weight for list sample cases

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30069     Population estimate of number of non-certainty cases in
           list sample stratum.

            0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30070     Number of non-certainty cases in list sample stratum.

            0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30071     Population estimate of number of all cases in list sample
           stratum.

            0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30072     Number of cases in list sample stratum.

            0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30008     List sample selection weight:
           For certainty cases=X30031/X30034
           For other cases=estimate of total non-certainty
             cases/number non-certainty sample cases

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


X30036     List weight at last stage of adjustment before merger with
           AP sample.

           0.  Inap. (not a list sample case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************

X30080     Cases that were subject to special disclosure adjustments.

           0.  Inap. (not a special disclosure case)
           ******************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           ******************************************


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Last update: February 29, 2000, 5:00pm