----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CODEBOOK FOR 2016 SURVEY OF CONSUMER FINANCES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- NOTE: This file contains about 45,000 lines of text, including this introduction, variable descriptions and other material. Many users will probably NOT want to print the entire document. Generally, we recommend working with the material in a text editor using a non-proportional font (e.g., courier) for display. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The codebook serves as the principal guide to the variables included on the final public version (September 2017 version) of the 2016 SCF data set. However, not every variable included in this codebook is actually in the public use data set. For example, the data set does NOT include most variables related to the sample design, details of geography, or the 3-digit industry and occupation codes. Although we have attempted to mark the variables in the codebook that are not available to the public, there may be errors and omissions. The definitive list of the variables included is given at the end of this file. Please consult that list to determine whether a given variable is available to you. The SCF is sponsored by the Board of Governors of the Federal Reserve System in cooperation with the Statistics of Income Division of the Internal Revenue Service. Data for the 2016 SCF were collected by NORC, a social science research center at the University of Chicago. For a general overview of the 2016 SCF, see Jesse Bricker, Lisa J. Dettling, Alice Henriques, Joanne W. Hsu, Lindsay Jacobs, Kevin B. Moore, John Sabelhaus, Sarah Pack, Jeffrey Thompson, and Richard A. Windle "Changes in U.S. Family Finances from 2013 to 2016: Evidence from the Survey of Consumer Finances," Federal Reserve Bulletin, www.federalreserve.gov/pubs/bulletin/2017/pdf/scf17.pdf. Results users may obtain from using this release of the 2016 SCF data may differ from those reported in this article for several reasons. First, a small number of the analysis weights used in that article may have been altered somewhat to provide robust estimates of the detailed categories shown. In brief, the data were examined for extreme outliers, and where a given case was overly influential in determining an outcome, the weight was trimmed and other weights were inflated to maintain a constant population. Second, as noted below, the public version of the data has been systematically altered to minimize the likelihood that unusual individual cases could be identified. Our analysis of the public data set suggests that these changes should not alter the conclusions of reasonable analyses of the data. Finally, over time we correct errors that we find in the data set. In our past experience, the effects of such errors on the estimates have been quite small. This codebook is intended to provide only an overview of the most critical technical elements of the survey. For more details, see "Measuring Income and Wealth at the Top Using Administrative and Survey Data," Jesse Bricker, Alice Henriques, Jacob Krimmel, John Sabelhaus, April 2016, http://www.amstat.org/sections/srms/proceedings/y2014/Files/312089_88725.pdf and references cited in that paper. The variables in the codebook are generally in the order in which the questions were asked during the interview. For an outline of the questions asked in the survey, see "Questionnaire Outline" at www.federalreserve.gov/econresdata/scf/files/2016_scfoutline.pdf. An attempt has been made to provide as much information as possible about the text available to the interviewer and the constraints imposed on the data entry. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- TABLE OF CONTENTS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- DATA FILES INCLUDED ON SCF WEB SITE FOR THIS RELEASE QUESTIONNAIRE DESCRIPTION UNIT OF ANALYSIS SAMPLE DESIGN CODEBOOK CONVENTIONS VARIABLE NAMES GENERAL DATA CONVENTIONS CASE ID NUMBERS "OTHER" CODES GRIDS CAPI EDIT CHECKS SUMMARY VARIABLES DATA REVIEW IMPUTATION DISCUSSION OF RANGE DATA COLLECTION AND J-CODES ANALYSIS WEIGHTS SAMPLING ERROR DISCLOSURE REVIEW COMPARISON WITH OTHER DATA ACKNOWLEDGMENTS VARIABLE DEFINITIONS MAPPING FROM MR INTERVIEW VARIABLES TO SCF VARIABLES LIST OF VARIABLES INCLUDED IN PUBLIC DATA SET ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- DATA FILES INCLUDED ON SCF WEB SITE FOR THIS RELEASE ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The primary data files for the survey consist of the following elements: (1) the main data set, (2) a file of replicate weights corresponding to X42001 (see below for a description of the replicate weights), and (3) an aggregated version of the main data set containing summary variables corresponding to those used in "Changes in U.S. Family Finances from 2013 to 2016: Evidence from the Survey of Consumer Finances" cited above. The data are provided in a variety of formats. There are also historical tables containing results comparable to those found in the Bulletin articles prior the article on the 2016 SCF. Two sets of tables comparable to those in the pre-2016 Bulletin articles are provided: the first set is based on the current internal version of the data, and the second version is based on the current public version of the data. Finally, a link is provided to the website of SDA at the University of California Berkeley (sda.berkeley.edu/cgi-bin36/hsda?harcscfcomb+scfcomb), which contains a version of the aggregated data set in a form that can be used to make a variety of calculations online. A variety of other documentation for the 2016 SCF is provided on the project website (www.federalreserve.gov/econresdata/scf/scfindex.htm). ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- QUESTIONNAIRE DESCRIPTION ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The 2016 SCF data were collected using computer-assisted personal interviewing (CAPI). Thus, there is no questionnaire in the usual sense. This codebook serves as the most comprehensive guide to the definitions of variables included in the survey. A copy of the computer SPSS MR Interview code that was used in data collection is provided on the project website; that program is the authoritative reference for questions relating to question ordering and skip sequences. Near the end of this file, a concordance is given of the variable names used in the MR Interview computer program and those used in this codebook. Although there is usually a direct correspondence between these variables, there are some places where the connections are indirect: In some cases, the same question is asked in two difference places, and in the final data set all instances of answers to the question are mapped into a single location; in other cases variables may be inferred from other information (for example, if a respondent reported a wage on a current job and reported that their employer contributed a certain percent of their wage to a pension plan, then the dollar contribution to the plan would be filled in). Almost always, the data rearrangements can be identified from the shadow variables associated with the variables (see section "VARIABLE NAMES" below). ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- UNIT OF ANALYSIS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Most of the data in the survey are intended to represent the financial characteristics of a subset of the household unit referred to as the "primary economic unit" (PEU). In brief, the PEU consists of an economically dominant single individual or couple (married or living as partners) in a household and all other individuals in the household who are financially interdependent with that individual or couple. For example, in the case of a household composed of a married couple who own their home, a minor child, a dependent adult child, and a financially independent parent of one of the members of the couple, the PEU would be the couple and the two children. Summary information is collected at the end of the interview for all household members who are not included in the PEU. The only variables collected separately for the respondent and the spouse or partner of the respondent are those concerning employment, pension, and demographic characteristics. The great majority of the time, the PEU and the household are identical. Throughout the codebook, we refer to the "head" of the household. The use of this term is euphemistic and merely reflects the systematic way in which the data set has been organized. The head is taken to be the single core individual in a PEU without a core couple; in a PEU with a central couple, the head is taken to be either the male in a mixed-sex couple or the older individual in the case of a same-sex couple. No judgment about the internal organization of the households is implied by this organization of the data. When the original respondent was someone other than the person determined to be the head in this sense, all data (including response codes) for the two members of the couple were systematically swapped. The variable X8000 indicates which cases have been subjected to such rearrangement. NOTE: Because only limited information is collected on the ownership of assets and liabilities within the PEU, it is not possible, in general, to make direct separate estimates of the financial characteristics of the individuals in the survey households unless one is prepared to make a number of fairly complex assumptions. To understand this point more thoroughly, there is no substitute for a careful reading of the actual survey questions. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SAMPLE DESIGN ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The SCF is based on a dual-frame sample design. One set of the survey cases was selected from a standard multi-stage area-probability design. This part of the sample, which contributed 4,754 cases to the final set of interviews, is intended to provide good coverage of characteristics, such as home ownership, that are broadly distributed in the population. The other set of the survey cases was selected as a list sample from statistical records (the Individual Research Tax File) derived from tax data by the Statistics of Income Division of the Internal Revenue Service (SOI). These records were made available under strict rules governing confidentiality, the rights of potential respondents to refuse participation in the survey, and the types of information that can be made available. This second sample was designed to disproportionately select families that were likely to be relatively wealthy (see "Modeling Wealth with Multiple Observations of Income: Redesign of the Sample for the 2001 Survey of Consumer Finances," Arthur B. Kennickell, October 2001, (www.federalreserve.gov/econresdata/scf/files/scf2001list.sampleredesign9.pdf) for a more extended discussion of the design of the list sample). The list sample contributed 1,500 cases to the final set of interviews. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CODEBOOK CONVENTIONS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- For many purposes it is useful to know which responses to categorical questions were available to the interviewer and which of them were provided, in principle, to the respondent. Responses that are noted in the codeframes below by an asterisk are ones that were available to the interviewer on the screen during the interview. In general, if a response is given in the codebook in lower case letters, this indicates that it was permissible for the interviewer to read it to the respondent. Responses listed in all upper case letters are ones that were not intended to be read to the respondent. Codes that result from the recoding of responses originally reported as "other" are also given in lower case letters. Other subsidiary question texts given in capital letters are intended as interviewer instructions. In some cases, codes were available conditional on responses to earlier questions. One such example that appears throughout the interview is the reporting of institutions where the respondent has accounts of some type. If the respondent reported fewer than seven financial institution at X305, every time the interviewer came to a question that asked about the institution where the respondent had an account, the screen displayed the names of the already listed institutions (referred to as "Institution 1" etc. in the codebook), a code for "add an institution," and a code to enter to record an unusual type of institution ("a person or other non-institution"). Once seven institutions had been recorded (either at X305 or by adding institutions later in the interview), the screen displayed the names of the seven institutions, the "a person or other non-institution" field, and a set of codes for the type of institution (i.e., commercial bank, savings and loan or savings bank, credit union, etc.). For many questions there are multiple versions. Most commonly, there are variants that are appropriate for single individuals and ones appropriate for families of two or more. Some other variants are more complicated. For example, suppose that a respondent lives in a building with multiple housing units (X702=1), the family owns the entire building (X714=1), and they own the unit they live in separately from the rest of the building. The CAPI program stores the information that there is such a property. Later in the interview when the respondent is asked about the number of investment real estate and vacation properties, one variant of question X1701 reminds the respondent to include the property mentioned earlier. There are many other such instances where the computer alters questions to suit the previous answers given by the respondent, and this codebook attempts to provide at least a summary form of all the possible questions. For example, at X1711 (correspondingly at X1811), the respondent is asked whether there are any outstanding loans on a property. If the respondent had previously reported at X1703 (correspondingly at X1803) that the property was a time-share, then the variant for time-shares is asked; otherwise a more generic question is asked. Telephone interviewing has long been important in the SCF. For the 2016 survey, the data indicate that 28 percent of all the interviews were completed by telephone. At the beginning of the interview, the interviewer entered a response to X7578 to indicate whether the respondent had available a set of cards listing the possible responses to several questions. Although interviewers attempted to make the cards available in as many cases as possible, sometime that was not feasible. When the answer to X7579 recorded that the cards were not available, the CAPI program would change the text to display the text on the card for the interviewer to read to the respondent. Throughout the codebook, such alternative versions of questions have been flagged. Of the 6,254 interviews, 182 were conducted in Spanish. The Spanish text is not provided in the main section of the codebook, but the interested user may consult the MR Interview program on the project website at the location mentioned above. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- VARIABLE NAMES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The codebook refers to the variables by the names they have in the version of the survey data set formatted for use with SAS. These names consist of a number prefixed by an "X." We have tried, insofar as it was possible, to retain the variable numbering system used in earlier SCFs. Where the content of a variable has changed in a substantive way, we have assigned a new variable number. Each of the variables in the main data set has a "shadow" variable that describes--in most all cases--the original state of the variable (i.e., whether it was missing for some reason, a range response was given, etc.). The most important exception is reported values which have been imputed or otherwise altered to protect the privacy of respondents (see "DISCLOSURE REVIEW" below). Users who so desire may use the shadow variables to restore the data to something very close to their original condition. The shadow variables have the same numbers as the main variable, but have a prefix of "J." A list of the values taken by the shadow variables is given in the section below entitled "DISCUSSION OF RANGE DATA COLLECTION AND J-CODES." The 2016 questionnaire had only moderate changes from the 2013 version. The most significant change was an updating of the education loan section. The credit card section was reworked with the removal of the 'Other' type of card. A new set of financial literacy questions was added, as well as hypotheical debt repayment questions. The following is a list of changes in the final 2016 data set. Variables added since 2013: X6791: R_IRA/KGH: CONTR TO IRA X6793: S/P_IRA/KGH: CONTR TO IRA X6795: OTH_IRA/KGH: CONTR TO IRA X6792: R_IRA/KGH: HOW MUCH CONTR ($ VAR) X6794: S/P_IRA/KGH: HOW MUCH CONTR ($ VAR) X6796: OTH_IRA/KGH: HOW MUCH CONTR ($ VAR) X7873: OTH_SS: OTH RECEIVING BENEFITS? X7592: WRITTEN PAPER CHECK X7874A: OTH_SS: TYPE OF BENEFITS X7875A: OTH_SS: TYPE OF BENEFITS X7876A: OTH_SS: TYPE OF BENEFITS X7877A: OTH_SS: TYPE OF BENEFITS X7878A: OTH_SS: TYPE OF BENEFITS X7593: ONLINE BANKING X7594: PREPAID DEBIT CARD X7595: GO TO INST? X7596: RELOADABLE PREPAID DEBIT ACCT AMT X7597: GO TO INST? X7978: EDU_LN_1: WHOSE EDUCATION? X7883: EDU_LN_2: WHOSE EDUCATION? X7888: EDU_LN_3: WHOSE EDUCATION? X7893: EDU_LN_4: WHOSE EDUCATION? X7898: EDU_LN_5: WHOSE EDUCATION? X7893: EDU_LN_6: WHOSE EDUCATION? X7879: EDU_LN_1: FEDERAL STUDENT LOAN? X7884: EDU_LN_2: FEDERAL STUDENT LOAN? X7889: EDU_LN_3: FEDERAL STUDENT LOAN? X7894: EDU_LN_4: FEDERAL STUDENT LOAN? X7899: EDU_LN_5: FEDERAL STUDENT LOAN? X7994: EDU_LN_6: FEDERAL STUDENT LOAN? X7880A: EDU_LN_1: WHEN LAST ATTEND PROGRAM X7885A: EDU_LN_2: WHEN LAST ATTEND PROGRAM X7890A: EDU_LN_3: WHEN LAST ATTEND PROGRAM X7895A: EDU_LN_4: WHEN LAST ATTEND PROGRAM X7900A: EDU_LN_5: WHEN LAST ATTEND PROGRAM X7995A: EDU_LN_6: WHEN LAST ATTEND PROGRAM X7880: EDU_LN_1: YEAR LAST ATTEND PROGRAM X7885: EDU_LN_2: YEAR LAST ATTEND PROGRAM X7890: EDU_LN_3: YEAR LAST ATTEND PROGRAM X7895: EDU_LN_4: YEAR LAST ATTEND PROGRAM X7900: EDU_LN_5: YEAR LAST ATTEND PROGRAM X7995: EDU_LN_6: YEAR LAST ATTEND PROGRAM X8030: EDU_LN_1: YEARS AGO LAST ATTEND PROGRAM X8032: EDU_LN_2: YEARS AGO LAST ATTEND PROGRAM X8034: EDU_LN_3: YEARS AGO LAST ATTEND PROGRAM X8036: EDU_LN_4: YEARS AGO LAST ATTEND PROGRAM X8038: EDU_LN_5: YEARS AGO LAST ATTEND PROGRAM X8040: EDU_LN_6: YEARS AGO LAST ATTEND PROGRAM X8031: EDU_LN_1: AGE LAST ATTEND PROGRAM X8033: EDU_LN_2: AGE LAST ATTEND PROGRAM X8035: EDU_LN_3: AGE LAST ATTEND PROGRAM X8037: EDU_LN_4: AGE LAST ATTEND PROGRAM X8039: EDU_LN_5: AGE LAST ATTEND PROGRAM X8041: EDU_LN_6: AGE LAST ATTEND PROGRAM X7881: EDU_LN_1: PROGRAM COMPLETED X7886: EDU_LN_2: PROGRAM COMPLETED X7891: EDU_LN_3: PROGRAM COMPLETED X7896: EDU_LN_4: PROGRAM COMPLETED X7901: EDU_LN_5: PROGRAM COMPLETED X7996: EDU_LN_6: PROGRAM COMPLETED X9300: EDU_LN_1: REASON NOT PAYING X9301: EDU_LN_2: REASON NOT PAYING X9302: EDU_LN_3: REASON NOT PAYING X9303: EDU_LN_4: REASON NOT PAYING X9304: EDU_LN_5: REASON NOT PAYING X9305: EDU_LN_6: REASON NOT PAYING X9306: EDU_LN_1: PAYMENT AMT DETERMINATION PROG X9307: EDU_LN_2: PAYMENT AMT DETERMINATION PROG X9308: EDU_LN_3: PAYMENT AMT DETERMINATION PROG X9309: EDU_LN_4: PAYMENT AMT DETERMINATION PROG X9310: EDU_LN_5: PAYMENT AMT DETERMINATION PROG X9311: EDU_LN_6: PAYMENT AMT DETERMINATION PROG X7421: EDU_LN_1: LOAN FORGIVEN X7423: EDU_LN_2: LOAN FORGIVEN X7425: EDU_LN_3: LOAN FORGIVEN X7427: EDU_LN_4: LOAN FORGIVEN X7429: EDU_LN_5: LOAN FORGIVEN X7431: EDU_LN_6: LOAN FORGIVEN X7422: EDU_LN_1: INCOME BASED REPAYMENT X7424: EDU_LN_2: INCOME BASED REPAYMENT X7426: EDU_LN_3: INCOME BASED REPAYMENT X7428: EDU_LN_4: INCOME BASED REPAYMENT X7430: EDU_LN_5: INCOME BASED REPAYMENT X7432: EDU_LN_6: INCOME BASED REPAYMENT X433: CRED APPLIC: CREDIT CARD X434: CRED APPLIC: INC CREDIT LIMIT X435: CRED APPLIC: MORTGAGE X436: CRED APPLIC: REFI MORTGAGE X437: CRED APPLIC: AUTO LOAN X438: CRED APPLIC: STUDENT LOAN X439: CRED APPLIC: OTHER CONSUMER CRED X440: CRED APPLIC: LIMIT INC X7775: HYPO HOW PAY OFF DEBT X7775: HYPO HOW PAY OFF DEBT OTH SP X7776: HYPO HOW PAY OFF DEBT BORR X7776: HYPO HOW PAY OFF DEBT BORR OTH SP X7777: HYPO HOW PAY OFF DEBT BORR X7777: HYPO HOW PAY OFF DEBT BORR OTH SP X7778: HYPO HOW PAY OFF DEBT SAV/INV X7778: HYPO HOW PAY OFF DEBT SAV/INV OTH SP X7779: HYPO HOW PAY OFF DEBT SAV/INV X7779: HYPO HOW PAY OFF DEBT SAV/INV OTH SP X7780: HYPO HOW PAY OFF DEBT PAYM POST X7780: HYPO HOW PAY OFF DEBT PAYM POST OTH SP X7781: HYPO HOW PAY OFF DEBT PAYM POST X7781: HYPO HOW PAY OFF DEBT PAYM POST OTH SP X7782: HYPO HOW PAY OFF DEBT CUT BACK X7782: HYPO HOW PAY OFF DEBT CUT BACK OTH SP X7783: HYPO HOW PAY OFF DEBT CUT BACK X7783: HYPO HOW PAY OFF DEBT CUT BACK OTH SP X7556: KNOWLEDGE ABOUT PERSONAL FINANCES X7557: FIN RISK WILLINGNESS X7558: FIN LIT: STOCK RISK X7559: FIN LIT: INTEREST RATES X7560: FIN LIT: INFLATION X3031: EVER HAD A FORECLOSURE X3032: FORECLOSURE: NUMBER OF YEARS X3033: FORECLOSURE: YEAR X3034: FORECLOSURE: LOSE PROPERTY X3035: FORECLOSURE: STILL IN FORECLOSURE X7561: SEARCHING FOR BORR TERMS X7562: SEARCHING FOR CREDIT INFO X7648: GOVT BENEFIT CARD X441: CRED APPLIC: WHY NO CREDIT? X6032: R: MOTH EDUCATION LEVEL X6033: R: FATH EDUCATION LEVEL X6132: S/P: MOTH EDUCATION LEVEL X6133: S/P: FATH EDUCATION LEVEL X5931: R: GRADE COMPLETED X5932: R: DIPLOMA/GED? X5933: R: YEARS OF COLLEGE CREDIT X6111: S/P: GRADE COMPLETED X6112: S/P: DIPLOMA/GED? X6113: S/P: YEARS OF COLLEGE CREDIT X5827: TYPE OF INHERITANCE OTH SP X5832: TYPE OF INHERITANCE OTH SP X5837: TYPE OF INHERITANCE OTH SP X7563: KINDS OF DIRECT DEPOSITS Variables removed since 2013: X5901,X5902,X5903,X5904,X5905,X6101,X6102,X6103,X6104,X6105,X6788,X6497, X6442,X302,X7100,X7111,X7127,X7128,X6790,X6854,X6855,X6856,X7129,X6857, X6860,X7129,X6600,X6871,X6601,X6602,X6603,X6604,X6605,X6606,X6607,X6870, X6608,X6875,X6609,X6610,X6611,X6612,X6613,X6614,X6615,X6874,X6616,X6879, X6617,X6618,X6619,X6620,X6621,X6622,X6623,X6878,X6624,X6883,X6625,X6626, X6627,X6628,X6629,X6630,X6631,X6882,X6632,X6887,X6633,X6634,X6635,X6636, X6637,X6638,X6639,X6886,X6640,X6891,X6641,X6642,X6643,X6644,X6645,X6646, X6647,X6890,X6656,X6895,X6657,X6658,X6659,X6660,X6661,X6662,X6663,X6894, X6873,X6877,X6881,X6885,X6889,X6893,X6897,X7065,X7066,X7067,X7068,X7069, X7070,X7076,X7079,X7082,X7085,X7088,X7091,X404,X7131,X7803,X7826,X7849, X7903,X7926,X7949,X7584,X7804,X7827,X7850,X7904,X7927,X7950,X7173,X7174, X7175,X7176,X7177,X7178,X7584,X7812,X7835,X7858,X7912,X7935,X7958,X7817, X7840,X7863,X7917,X7940,X7963,X7818,X7841,X7864,X7918,X7941,X7964,X7818, X7841,X7864,X7918,X7941,X7964,X410,X7071,X7072,X7073,X7977,X428,X429 X430,X6872,X6876,X6880,X6884,X6888,X6892,X6896 For more information about changes to the survey, please consult www.federalreserve.gov/econres/files/2016_scf_changes.txt ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- GENERAL DATA CONVENTIONS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Throughout the SCF data set, a value of zero has only one meaning: that the item in question is inapplicable. That is, if a family does not have a checking account, then the number of checking accounts they own would be coded as a zero. Whenever zero is a legitimate response to a question, a value of -1 is used to signify that value. Other specialized codes are defined for specific variables in the codebook. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CASE ID NUMBERS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Under the original case numbering system (XX1 and ALT_XX1), important aspects of the sample design are apparent from the identification numbers. Because such information is not releasable under the agreements which allow us to collect the data, each case included in the public version of the data set has been given a random identification number (YY1). Users should note that it is not possible to know with certainty from the information provided in the public version of this data set which cases derive from the list sample. The record ID numbers (X1 and Y1) correspond to the case ID number times 10, plus the number of the implicate (imputation replicate--see below). ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- "OTHER" CODES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- In almost every case where a respondent could supply a response that did not fit in the codeframe offered to interviewers on their computer screens, the CAPI program was constructed to allow the entry of a verbatim response. There were a few open-ended questions that were set up to accept only a verbatim response. All of these verbatim responses were run through a standard coding process at NORC. Once the data were at the FRB, strenuous efforts were made to resolve all instances of responses that were unresolved by the NORC coders. Any responses that remain coded "other" in the final data set are very unusual, but legitimate responses which do not fit within the existing codeframe; because these responses appeared unlikely to reoccur in future surveys, the codeframe would not be not augmented. Responses that were not informative (or were not answers to the questions that were asked) were treated as missing values and were imputed. An identical process has been followed since the 1995 SCF. In earlier surveys, the information recorded for "other" responses was not as complete, and consequently the efforts to recode the available verbatim data were somewhat less stringent. Thus, analysts should exercise caution in time series comparisons of "other" responses from the 1995 and later surveys with those in earlier years. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- GRIDS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Some sets of questions in the SCF have a natural iterative pattern. For example, the survey asks for detailed information on up to the first six checking accounts owned by the PEU, and summary information is collected about all remaining accounts. The detailed questions are the same for each account. In past interviews done with paper and pencil, some respondents resisted answering the detailed questions but were willing to provide summary information. Typically, interviewers recorded the summary information in the margins of the questionnaire, and editors allocated the data to the skipped questions according to a set of fixed rules. To allow for a variety of respondent-interviewer interactions in the SCF CAPI program, the grid questions were organized to provide a way of collecting summary information in a systematic way. We refer to the associated summary variables as "mopup variables." Past surveys also indicated that some respondents recalled additional instances of items once they began answering questions in a grid, but interviewers often did not revise the originally reported number. The CAPI procedures were set up to allow for this possibility of recalling additional items. Consider first a respondent who gives a non-missing response to the question that asks for the number of items of the type to be queried in the grid. The interviewer would ask the respondent the first set of detailed questions on the item. Then, the interviewer would be confronted with a question (not to be read to the respondent); INTERVIEWER: CONTINUE, OR GO TO MOPUP OF LOOP? The intention of this question was to allow the interviewer to deal with a potentially hostile respondent and immediately branch to the mopup questions. If the respondent was cooperative, the interviewer entered a CONTINUE response and followed an identical procedure at each iteration until either the number of items reported was exhausted, or the maximum number of detailed questions was asked and the mopup question was asked to get summary information on all remaining items. If the respondent reported a number of items less than the maximum number about which the detailed questions are asked, the following question was asked at the end of the final iteration: Do you (or your family living here) have another xxxx? A YES response here indicates that the respondent recalled an additional instance in the process of answering the detailed questions. A respondent could continue to "add" iterations until the maximum number of iterations is reached and the mopup questions are asked. Another possibility is that a respondent initially may either not know or not be unwilling to tell the number of instances of an item. Because it is known that there is at least one such instance, the first set of detailed questions is asked. Then the respondent is asked: Do you (or your family living here) have another xxxx? The questioning then proceeds exactly as it would for a respondent who recalled additional instances after providing an initial number of instances. In processing the data, several steps were taken to attribute the data collected to their correct location. First, in some cases interviewers answered the question "INTERVIEWER: CONTINUE, OR GO TO MOPUP OF LOOP?" with the latter response, even though only one more instance remained. In such cases, the mopup data were mapped into the appropriate position in the grid. This data movement is not directly recorded in the J-variables for such cases, although the movement can be deduced from the patterns of J-variables of other questions within the iteration of the grid that do not have mopup equivalents: the value of the J-variables for such variables without mopup equivalents would normally be 2052. Second, when respondents added instances, the originally reported number was updated and stored in the customary SCF variable number. The originally reported number of instances has been retained in the data set since such information cannot be recovered in any other way from the data made available. Third, when summary information was given by respondents who broke off their responses in a grid prematurely, that information was used to bound the imputations of the detailed data. Data items that have an associated J-variable with a value of 90 are ones where a complete response was given in the parallel mopup variable, and those with a J-variable of 91 are ones where a range response was given in the parallel mopup variable. There are some complicated mixed cases where a respondent gave a missing value for the number of instances, but was willing to provide non-missing mopup data. Though tedious, it is possible to deduce this information from the J-variables provided. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SUMMARY VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Summary variables (e.g., NET WORTH) are not included in the main data set. Although it is complicated to construct such variables, it is our belief that a substantial amount of judgment is involved in defining variables, and that other analysts should make their own decisions. However, as a convenience to users, we have included on the SCF web site a program written in the SAS language that was used to create the variables used in the 2016 Federal Reserve Bulletin article on the survey and an Excel file containing the summary variables. Users who wish to use the definitions in this program are encouraged to review the definitions to be certain that classifications are appropriate for their analytical purposes. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CAPI EDIT CHECKS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Like earlier SCF CAPI programs, the one constructed for the 2016 survey contained some simple tests of the appropriateness of data entered. Most variables have a limit on the acceptable range of the values that can be entered. Sometimes a test may block a clearly illogical response until it is corrected. Other times it may simply require the interviewer to confirm that the response entered was correct. This codebook contains a specification of all such tests in the CAPI program. A new system of data checking was first introduced in the 2007 survey for a subset of particularly important variables. If the interviewer entered an answer to one of those questions that was questionable, the interviewer was given two options. First, the interviewer could choose to clarify or correct the answer with the respondent at that point and record a comment as appropriate. Second, if the time pressure in the interview or the sensitivity of the issue to the respondent was such that the interviewer could not take time to explore the answer or explain the situation, the interviewer could choose to defer explaining the situation until the debriefing for the case was completed after the interview. Such a debriefing is completed for every completed interview. Throughout the codebook, such tests are noted under the heading "EDIT CHECK" for the variable where such tests applied. Information from the interviewer's responses to these tests was a key input into the data editing. In some instances, the specification of the edit in the codebook differs somewhat from the one actually applied during the interview; generally, such differences are small and they reflect errors in programming the CAPI instrument; any such omissions were enforced at the editing stage. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- DATA REVIEW ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- A very large amount of time has been spent in searching for errors in the data and resolving those errors to the extent possible. Many seeming inconsistencies appear in the raw data and appear to have no obvious reconciliation. Our initial presumption is always that the respondent understood each question and reported accurately, and that the process of transcription and coding did not distort that information. In cases where other information led us beyond a reasonable doubt of the validity of the data, we have changed data, either by altering values directly or by setting them to missing and imputing them; in all such cases, the shadow variables indicate that we have overridden reported data (for an overview of the extent of data changes, see "Measuring Data Quality In the 1998 Survey of Consumer Finances," Arthur B. Kennickell, August 1999, www.federalreserve.gov/econresdata/scf/scf_workingpapers.htm. For a briefer, more recent update, see "Hesitant Respondents and Data Quality on a Financial Survey," Catherine C. Haggerty, Shannon Nelson, Richard Windle, August 2017, www.federalreserve.gov/econres/files/data_quality_respondent_hesitancy.pdf. Comments provided by interviewers during the course of the interview or in the mandatory debriefing completed for each interview are a key source of information in evaluating the content of the interviews. We ask our colleagues who use this data set to help us in finding any remaining resolvable inconsistencies in the data. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- IMPUTATION ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Most of the variables that originally contained a missing value code have been imputed. The exceptions include such variables as X6695 (which reports the original number of checking accounts reported by the survey respondent) and X6504 (which is the interviewer's description of the property where the respondent lives). The nature of any originally missing values may be understood by examining the J-codes associated with the variables. A multiple imputation procedure yielding five values for each missing value is used to approximate the distribution of the missing data. The individual imputation are made by drawing repeatedly from an estimate of the conditional distribution of the data. The imputations are stored as five successive replicates ("implicates") of each data record. Thus, the number of observations in the full data set (31,270) is five times the actual number of respondents (6,254) (see DISCLOSURE REVIEW below for information on the public version of the data set). The imputation procedure is described in "Multiple Imputation in the Survey of Consumer Finances" (Arthur B. Kennickell, September 1998, www.federalreserve.gov/ econresdata/scf/scf_workingpapers.htm). For a general discussion of multiple imputation and its uses, see "Multiple Imputation for Nonresponse in Surveys" by Donald B. Rubin, John Wiley and Sons, 1987. Multiple imputation offers two distinct advantages compared with singly-imputed data. First, because multiple imputation yields multiple outcomes from a random process, it supports more efficient estimation than singly-imputed data. Second, multiple imputation allows users to make straightforward estimates of the degree of uncertainty associated with the missing information. For users who want to estimate only simple statistics such as sums, means and medians ignoring the effects of imputation error on the standard errors of these estimates, it will probably be sufficient to divide the weights by 5. Software to compute means and medians and their associated standard errors with respect to imputation and sampling error is provided in the section on sampling error later in this codebook. Users who want to estimate more complex statistics, particularly regressions, should be cautious in their treatment of the implicates. Some regression packages will treat each of the five implicates as an independent observation and correspondingly inflate the reported statistical significance of results. Users who want to calculate regression estimates, but who have no immediate use for proper significance tests, could either average the dependent and independent values across the implicates or multiply their standard errors by the square root of five. For an easily understandable discussion of multiple imputation in the SCF from a user's point of view, see Catherine Montalto and Jaimie Sung, "Multiple Imputation in the 1992 Survey of Consumer Finances," Financial Counseling and Planning, Volume 7, 1996, pages 133-146 (http://afcpe.org/assets/pdf/vol7_133-146multipleimputation.pdf). That article also contains a set of simple SAS macros to use to compute correct standard errors from multiply imputed data. Two alternatives for processing general model estimates are offered here, one written in SAS (MACRO MISECOMP) and the other in a Stata ado file (micombine). (NOTE: both SAS and Stata now include regression packages for the analysis of multiply imputed data.) See the section "ANALYSIS WEIGHTS" below for a brief discussion of the inclusion of sample design effects in the estimation of complex statistics. The imputations for missing data are subject to hierarchical logical constraints, but otherwise they reflect the data, whether they be consistent or inconsistent. For example, total income (X5729) in the reported data is sometimes not equal to the sum of the individual components (X5702 etc.), so this constraint is not automatically applied to the imputed data. Variability in the imputations for a variable in a given case may sometimes be large. This variation is a reflection of the fundamental uncertainty about the true value of the item. *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; ******************************************************************************; ***** MACRO MISECOMP *****; ******************************************************************************; * MACRO MISECOMP computes standard errors corrected for multiple imputation; * The input may be regression results, or any other results (e.g., probits) that include a point estimate and a standard error estimate for each implicate; * The data sets are named &DSN.1-&DSN&NIMP (where &DSN and &NIMP are defined below); * The form of the input data set is described above; * Often, it is quite easy to copy output directly from a statistical procedure into the form of this program without deleting extraneous information; * The required input variables are VARN (a name of the statistic of interest in all NIMP data sets), B1-B&NIMP (a working name for the point estimate of interest for each implicate--where the terminal number corresponds to the terminal number of the input data set), and S1-S&NIMP (a working name for the standard error of the point estimate in each implicate--where the terminal number corresponds to the terminal number of the input data set; * The parameters of the MACRO are: NIMP: number of implicates (default is 5) DSN: first part of name of each of the NIMP input data sets (e.g., DSN11, DSN12,...,DSN15 could be results for implicates 1-5 for model 1) (default is DSN1i, where "i" ranges from 1 to NIMP) PRNTPR: determines the number of digits of the output data (default is SAS format 10.6); * The output includes three lines for each unique VARN in the input data sets: the final point estimate, the final standard error, and the final t-statistic; ******************************************************************************; * Steps to compute standard errors; * (1) run each model (regressions, probits, etc.) for each of the five implicates separately; * (2) copy the model outputs into program code as described above; /* For example, DATA DSNij; INPUT VARN $ Bi Si; CARDS; data here ; RUN; where "i" ranges over the number of distinct models treated, and "j" ranges over the number of implicates. NOTE: any technique that reads VARN, Bi and Si into the data sets will work. */ * (3) call MISECOMP (MACRO defaults will work correctly for the SCF if the data set names are DSN11, DSN12, DSN13, DSN14, DSN15); ******************************************************************************; ******************************************************************************; %MACRO MISECOMP(NIMP=5,DSN=DSN1,PRNTPR=10.6); DATA &DSN.1; SET &DSN.1; ORD=_N_; RUN; %DO I=1 %TO &NIMP; PROC SORT DATA=&DSN&I; BY VARN; RUN; %END; DATA ALL; MERGE %DO I=1 %TO &NIMP; &DSN&I %END; ;; BY VARN; ARRAY BMOD {*} %DO I=1 %TO &NIMP; B&I %END;; ARRAY SMOD {*} %DO I=1 %TO &NIMP; S&I %END;; BETA=0; SIGMA=0; ST=0; DO J=1 TO &NIMP; BETA=BMOD{J}+BETA; SIGMA=SMOD{J}**2+SIGMA; END; BETA=BETA/&NIMP; SIGMA=SIGMA/&NIMP; DO I=1 TO &NIMP; ST=ST+(BETA-BMOD{I})**2; END; SIGMA=SQRT(SIGMA+(1+1/5)*ST/(5-1)); TSTAT=BETA/SIGMA; RUN; PROC SORT DATA=ALL; BY ORD; RUN; DATA ALL; SET ALL; PUT VARN @15 BETA &PRNTPR / @15 SIGMA &PRNTPR / @15 TSTAT &PRNTPR; RUN; %MEND MISECOMP; %MISECOMP; ******************************************************************************; ******************************************************************************; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++* *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++* For Stata users, the easiest way to correct your coefficients and standard errors for various estimation models is to use the Stata micombine ado file. This ado file was created by Patrick Royston and can be downloaded at http://ideas.repec.org/c/boc/bocode/s446602.html. When using micombine with the SCF data, users need to create a variable that denotes the implicate of the data. The implicate variable is used in the impid() option and the Y1 case id variable is used in the obsid() option in micombine. An example is below. micombine regress 'insert model here', obsid(y1) impid(imp) detail *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- DISCUSSION OF RANGE DATA COLLECTION AND J-CODES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Since the 1995 SCF, the CAPI program has allowed interviewers a variety of ways to enter partial information on dollar amounts (for a detailed description and analysis of range data in the 1995 survey, see "Using Range Techniques with CAPI in the 1995 Survey of Consumer Finances," Arthur B. Kennickell, January 1997, www.federalreserve.gov/ econresdata/scf/scf_workingpapers.htm. In the past, we had evidence that some respondents volunteered figures in ranges. Good interviewers have always tried to get respondents to settle on a single "best" figure, but sometimes it may be that there is no firm figure (e.g., the value of a privately-held business may be known only at the point it is actually sold) and probing too far could cause the respondent to answer "don't know" or to refuse to answer. The CAPI program allows respondents to report a range of possible value in such cases. There is another class of respondents who may not volunteer a range, who do not know (or will not give) an exact figure, but who will give some information about the value. To obtain information from this second group of people, the CAPI program includes two options. First, a respondent who is uncomfortable actually saying an amount may report a letter from a card that specifies a number of ranges. The range card has been used very successfully in earlier waves of the SCF, but CAPI allows the option to be presented consistently. Second, a respondent who declines the use of the range card is asked a series of questions in a "decision tree" that are designed to specify a range. The dollar breaks in the decision tree vary by question (so that, for example, monthly rent is not subject to the same ranges as the value of corporate stock). The computer sequences used for range follow-up for all dollar values in the survey (known as "DollarProbe") are outlined schematically in a section below. It should be noted that interviewers were strongly instructed that a single dollar value is the best answer to each of these questions. Although there is the distinct possibility that respondents may become "trained" in the use of the range questions during the course of the interview (the effect of this training is unclear at present: respondents may tend to report "too many" ranges because they know that they are allowed; alternatively, respondents may learn that it is much quicker to give a single dollar figure), interviewers should be using all of the standard techniques to get respondents to give a single figure where possible. Evidence from the SCF suggests that this approach dramatically reduces the frequency of "don't know" responses, but it has little effect on refusals. Although the overall proportion of respondents reporting no information is much lower, generally the proportion providing apparently complete responses declined. *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; Schematic diagram of the sequence used for all dollar questions: Qnn. How much is your [******]? level 1: $________ Volunteer a range Don't know Refuse |________________| (A) (B) (C) level 2: Confirm Range card Give a range? or dollar range? RC DR RC DR NO/DK Refuse level 3: OUT Letter Upper bound Letter/Own range Decision Lower bound tree level 4: Confirm Confirm Letter Own Confirm Confirm level 5: OUT OUT Confirm Confirm OUT OUT level 6: OUT OUT (OUT=proceed to next question) At the first level, the respondent has the option of providing a dollar amount (interviewers were strongly urged to obtain a single dollar value where possible), volunteering a range, answering "don't know," or refusing to answer. These responses require a variety of different follow-up questions. In the case of a single dollar figure, the CAPI program displays in words the number the interviewer has typed into the computer and proceeds to the next question. If the respondent volunteers a range, there is an option to report either a range in dollars (in some cases the upper or lower bound of a range may be missing--e.g., as in the case where a respondent answers "greater than a million dollars") or to give a letter from a range card (the ranges are given below). If the respondent answers "don't know" or refuses to answer, the program will request a range; if the respondent agrees, the program will accept the same types of range that may be volunteered directly from the initial dollar screen. If the respondent is unable to provide a range in this way (that is the respondent answers "no" or "don't know"), the program presents a series of questions known as a "decision tree," which is specified in greater detail below. If the respondent refuses at any point beyond the initial dollar screen or answers "don't know" at any point after entering the decision tree, the program proceeds to the confirmation screen. The exact question text for this sequence is given below. For some of the range options, it was not possible for the interviewer to note directly that a value was negative. Where it was necessary to record a negative range and could not be accommodated directly, the interviewer was instructed to operate on the absolute value of the amount and to make a comment explaining to the data editor that the range referred to a negative amount. If R volunteers a range at level 1, the following is displayed at level 2: SELECT TYPE OF RANGE: ENTER LETTER FROM RANGE CARD R WILL GIVE RANGE If the range card option is chosen, the screen displays: ENTER LETTER FROM RANGE CARD: and any of the following letters on the range card may be entered: A ...... $1 - $100 B ...... $101 - $500 C ...... $501 - $1,000 D ...... $1,001 - $2,500 E ...... $2,501 - $5,000 F ...... $5,001 - $7,500 G ...... $7,501 - $10,000 H ...... $10,001 - $25,000 I ...... $25,001 - $50,000 J ...... $50,001 - $75,000 K ...... $75,001 - $100,000 L ...... $100,001 - $250,000 M ...... $250,001 - $500,000 N ...... $500,001 - $1 million O ...... $1 million - $5 million P ...... $5 million - $10 million Q ...... $10 million - $25 million R ...... $25 million - $50 million S ...... $50 million - $100 million T ...... More than $100 million If R offers to give a dollar range, the screen displays: ENTER LOW END OF RANGE : $___,___,___.__ ENTER HIGH END OF RANGE : $___,___,___.__ Whichever type of range is selected, after the range information is entered, the program skips to the confirmation screen. If R answers "don't know" or "refuse" at level 1, the following text is presented: IF IN-PERSON READ: Can you give me a range--either your own range or one from the range card? IF TELEPHONE: Can you give me a range? YES, OWN RANGE YES, RANGE CARD NO If one of the YES options is chosen, the sequence is as given above for directly volunteered ranges. If R refuses at this point, the program skips directly to the confirmation screen. If R answers "no/don't know", level three is a decision tree designed to guide the R into a range response where possible. In the decision tree, respondents are asked a series of questions to bound the true response within an interval. The intervals are defined in terms of seven values; let those values be denoted generically by V1, V2, V3, V4, V5, V6, V7. The questions asked take the following form: Q1. Was it more than V4 dollars, less than V4 dollars, or about V4 dollars? MORE --> GO TO Q2 LESS --> GO TO Q5 SAME, DK, REF --> CONFIRMATION SCREEN Q2. Was it more than V5 dollars, less than V5 dollars, or about V5 dollars? MORE --> GO TO Q3 LESS, SAME, DK, REF --> CONFIRMATION SCREEN Q3. Was it more than V6 dollars, less than V6 dollars, or about V6 dollars? MORE --> GO TO Q4 LESS, SAME, DK, REF --> CONFIRMATION SCREEN Q4. Was it more than V7 dollars, less than V7 dollars, or about V7 dollars? MORE, LESS, SAME, DK, REF --> CONFIRMATION SCREEN Q5. Was it more than V1 dollars, less than V1 dollars, or about V1 dollars? MORE --> GO TO Q6 LESS, SAME, DK, REF --> CONFIRMATION SCREEN Q6. Was it more than V2 dollars, less than V2 dollars, or about V2 dollars? MORE --> GO TO Q7 LESS, SAME, DK, REF --> CONFIRMATION SCREEN Q7. Was it more than V3 dollars, less than V3 dollars, or about V3 dollars? MORE, LESS, SAME, DK, REF --> CONFIRMATION SCREEN To allow for appropriate ranges for all dollar questions, there are eight different versions of the V1 to V7 variables given below. Version V1 V2 V3 V4 V5 V6 V7 1 50,000 100,000 250,000 500,000 1,000,000 5,000,000 10,000,000 2 10 25 50 100 200 300 500 3 25,000 100,000 150,000 250,000 500,000 1,000,000 5,000,000 4 10,000 25,000 50,000 100,000 250,000 500,000 1,000,000 5 5,000 10,000 25,000 50,000 100,000 250,000 750,000 6 500 1,000 5,000 10,000 25,000 75,000 250,000 7 100 250 500 1,000 2,000 10,000 50,000 8 50 100 250 500 1,000 5,000 10,000 9 1,000 5,000 10,000 25,000 50,000 100,000 250,000 There are 22 possible unique outcomes of each version of each of the 8 versions of the decision tree: 1. Q1=LESS, Q5=LESS 2. Q1=LESS, Q5=DK 3. Q1=LESS, Q5=Ref 4. Q1=LESS, Q5=MORE, Q6=LESS 5. Q1=LESS, Q5=MORE, Q6=DK 6. Q1=LESS, Q5=MORE, Q6=Ref 7. Q1=LESS, Q5=MORE, Q6=MORE, Q7=LESS 8. Q1=LESS, Q5=MORE, Q6=MORE, Q7=DK 9. Q1=LESS, Q5=MORE, Q6=MORE, Q7=Ref 10. Q1=LESS, Q5=MORE, Q6=MORE, Q7=MORE 11. Q1=MORE, Q2=LESS 12. Q1=MORE, Q2=DK 13. Q1=MORE, Q2=Ref 14. Q1=MORE, Q2=MORE, Q3=LESS 15. Q1=MORE, Q2=MORE, Q3=DK 16 Q1=MORE, Q2=MORE, Q3=Ref 17. Q1=MORE, Q2=MORE, Q3=MORE, Q4=LESS 18. Q1=MORE, Q2=MORE, Q3=MORE, Q4=DK 19. Q1=MORE, Q2=MORE, Q3=MORE, Q4=Ref 20. Q1=MORE, Q2=MORE, Q3=MORE, Q4=MORE 21. Q1=Ref ---> NOTE: RESULTS IN NO BOUNDING INFORMATION 22. Q1=DK ---> NOTE: RESULTS IN NO BOUNDING INFORMATION If R answers "don't know" or "refuse" at any point in the decision tree, the program skips to the confirmation screen. The confirmation screen: Where the R has given a complete dollar response the confirmation screen displays: I would like to confirm that that amount is... (amount in words) Where the R has given a letter from the range card, the confirmation screen displays: I would like to confirm that is range card letter (letter). Where the R enters and completes any questions in the decision tree, the confirmation screen displays" I would like to confirm that the amount is in a range around... (midpoint of a fully bounded range or the endpoint of an open-ended range) Where the R refuses or answers "don't know" in a way that no range information at all is obtained, the confirmation screen indicates to the interviewer that no information has been obtained. Nothing on the confirmation screen is read to the R in this case. The data entry on the confirmation screen offers the following two options: THIS IS CORRECT GO BACK AND FIX *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; The shadow variables fall into three large groups. Codes of less than 90 indicate that data were not originally missing (or that they could be inferred with high confidence from other information). Codes with an integer value from 90 through 1096 indicate that the respondent provided a type of range response. The extensive form of the paths through the range questions encompasses a large number of outcomes, as is reflected in the number of possible range codes. For the codes that indicate a range response, there may also be a decimal component. A code with a decimal part equal to 0.5 indicates that the initial response that the respondent gave to the associated dollar question was "don't know." In every other case, there should be no decimal component to the shadow variable. Codes of 1097 or more indicate that the associated data value was completely missing. There is an important exception to the normal assignment of J-codes. In some cases, it is not known where a reported value should actually be reported, because a higher-order question was missing. For example, if the respondent does not know if a car loan is a regular installment loan, by default the CAPI program asks a generic question about the typical payment on the loan; if the loan is a regular installment loan, the appropriate question would be about regular payments; in the initial data processing, the payment amount is inserted into both potential locations and one of them is set to the code for inapplicable (zero) after the loan types is imputed. In such cases, the original J-code for the reported data is retained in all relevant locations. As a quality control mechanism, the imputation software is set up so that it can never alter an original J-code. *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; Definitions of the "J" Variables (2016 version) 0 = Originally reported value. See above for an exception. 1 = Question is inapplicable (e.g., R has no checking account so value of checking account is coded as zero.) NOTE: all values of zero in the data set are in some sense inapplicable [also see J-code value 14]; reported values of zero are typically stored as -1. 2 = Data taken from (or moved from) another location (e.g., a motorcycle misclassified in the automobile grid moved to the other vehicle grid); data moved from another location and added to data already at the new location (e.g., wage income from spouse reported in independent adult part of the questionnaire added to data reported for R in the section on total family income); data reported in a "mopup" field that could be directly mapped into the correct final location. These moves and changes may be the result of verbatim responses, interviewer comment, or other information. 4 = CAPI program error: resolution yields a non-missing (non-range) value. 5 = Indicates a value coded directly by FRB staff from a verbatim ("other/specify") response or interviewer comments that translate directly into a valid response. This code indicates that there was the exercise of a bare minimum of judgment in encoding the content of the text data. ("Super-no" corrections are included here.) 6 = Indicates a value coded directly by NORC from a verbatim ("other/specify") response. 8 = variable computed from other non-missing variables. 9 = variable overridden by logically equivalent information to maintain consistency of data (e.g., when type of property is a time share (X1703=25), but R says they own the share alone (X1704=1)--rather than saying that the property is a time share (X1704=5)--then the response to X1704 is changed to 5). 10 = This code applies to variables where part of the original value reported should have been (or was also) reported elsewhere and is edited out here (e.g., in the case where the wage income of NPEU member is reported at X6403 and at X5702 along with income of the PEU, the NPEU value is removed from X5702 and J5702=10). 11 = Assumption made in CAPI program to guide questions dependent on marital history (applies at X107 only): value originally answered "don't know" or "refuse". 12 = Assumption made in CAPI program to guide questions dependent on marital history (applies at X107 and X7020 only); except code 11. Question not directly asked. 13 = Data change in editing; based on information in interviewer comments made during or after the interview, data structures elsewhere in the interview, data retrieval from interviewers, or mechanical review of data patterns. Judgment is implied in the use of this code. 14 = Inapplicable code generated by any data adjustment, (particularly adjustments associated with J-codes 2, 4, 10, 13, 15, 16, and 17). 15 = Non-stochastic imputation of missing data (typically based at least in part on other, non-codeable data). 17 = Value of originally missing data item implied by/computed from other variable(s). Relatively more judgment is implied by this code than a code 8. 30 = Respondent agreed to provide a dollar range as a response (either as a directly volunteered range or in response to the question soliciting a range after an initial response or "don't know" or "refuse"), but the upper and lower bounds of the range given were identical. 31 = Respondent entered the decision tree, but chose one of the boundary points of a range as the approximate value. 36 = A "don't know" response was given as an answer other than the first one to a code-all-that-apply question where the order of the responses is taken to matter. This response is set to blank for purposes of data processing. 37 = A "refuse" response was given as an answer other than the first one to a code-all-that-apply question where the order of the responses is taken to matter. This response is set to blank for purposes of data processing. ALL RESPONSES THAT FOLLOW HAVE AT LEAST SOME MISSING INFORMATION 90 = Bounding information available based on summary information provided by respondent (typically, if a R does not know information about items beyond a certain number in a set of detailed questions about a larger number of such items, the R is asked one or a number of summary questions about all remaining instances). 91 = Same as 90, but R gave range data for the summary information. RANGE RESPONSES: POSITIVE RANGES DECISION TREE RESPONSES THAT RESULTED IN A BOUND FOR POSITIVE NUMBERS (NOTE: for decision tree codes, responses that resulted in no usable bounding information are collected separately below) '*' indicates an open-ended interval NOTE: for J-code outcomes from 101-978, 1021-1040, and 1071-1090, .5 is added to the J-code if the original response was DK check range definitions with spreadsheet! 101 = Decision tree response, version 1: outcome 1 (*,<=V1):($50K,*) 102 = Decision tree response, version 1: outcome 2 (*,<=V4):($500K,*) 103 = Decision tree response, version 1: outcome 3 (*,<=V4):($500K,*) 104 = Decision tree response, version 1: outcome 4 (>V1,<=V2):(>$50K,<=$100K) 105 = Decision tree response, version 1: outcome 5 (>V1,<=V4):(>$50K,<=$500K) 106 = Decision tree response, version 1: outcome 6 (>V1,<=V4):(>$50K,<=$500K) 107 = Decision tree response, version 1: outcome 7 (>V2,<=V3):(>$100K,<=$250K) 108 = Decision tree response, version 1: outcome 8 (>V2,<=V4):(>$100K,<=$500K) 109 = Decision tree response, version 1: outcome 9 (>V2,<=V4):(>$100K,<=$500K) 110 = Decision tree response, version 1: outcome 10 (>V3,<=V4):(>$250K,<=$500K) 119 = Decision tree response, version 1: outcome 11 (>V4,<=V5):(>$500K,<=$1M) 120 = Decision tree response, version 1: outcome 12 (>V4,*):(>$500K,*) 121 = Decision tree response, version 1: outcome 13 (>V4,*):(>$500,*) 122 = Decision tree response, version 1: outcome 14 (>V5,<=V6):(>$1M,<=$5M) 123 = Decision tree response, version 1: outcome 15 (>V5,*):(>$1M,*) 124 = Decision tree response, version 1: outcome 16 (>V5,*):(>$1M,*) 125 = Decision tree response, version 1: outcome 17 (>V6,<=V7):(>$5M,<=$10M) 126 = Decision tree response, version 1: outcome 18 (>V6,*):(>$5M,*) 127 = Decision tree response, version 1: outcome 19 (>V6,*):(>$5M,*) 128 = Decision tree response, version 1: outcome 20 (>V7,*):(>$10M,*) 201 = Decision tree response, version 2: outcome 1 (*,<=V1):(*,<=$10) 202 = Decision tree response, version 2: outcome 2 (*,<=V4):(*,<=$100) 203 = Decision tree response, version 2: outcome 3 (*,<=V4):(*,<=$100) 204 = Decision tree response, version 2: outcome 4 (>V1,<=V2:(>$10,<=$25) 205 = Decision tree response, version 2: outcome 5 (>V1,<=V4):(>$10,<=$100) 206 = Decision tree response, version 2: outcome 6 (>V1,<=V4):(>$10,<=$100) 207 = Decision tree response, version 2: outcome 7 (>V2,<=V3):(>$25,<=$50) 208 = Decision tree response, version 2: outcome 8 (>V2,<=V4):(>$25,<=$100) 209 = Decision tree response, version 2: outcome 9 (>V2,<=V4):(>$25,<=$100) 210 = Decision tree response, version 2: outcome 10 (>V3,<=V4):(>$50,<=$100) 219 = Decision tree response, version 2: outcome 11 (>V4,<=V5):(>$100,<=$200) 220 = Decision tree response, version 2: outcome 12 (>V4,*):(>$200,*) 221 = Decision tree response, version 2: outcome 13 (>V4,*):(>$200,*) 222 = Decision tree response, version 2: outcome 14 (>V5,<=V6):(>$200,<=$300) 223 = Decision tree response, version 2: outcome 15 (>V5,*):(>$200,*) 224 = Decision tree response, version 2: outcome 16 (>V5,*):(>$200,*) 225 = Decision tree response, version 2: outcome 17 (>V6,<=V7):(>$300,<=$500) 226 = Decision tree response, version 2: outcome 18 (>V6,*):(>$300,*) 227 = Decision tree response, version 2: outcome 19 (>V6,*):(>$300,*) 228 = Decision tree response, version 2: outcome 20 (>V7,*):(>$500,*) 301 = Decision tree response, version 3: outcome 1 (*,<=V1):(*,<=$25K) 302 = Decision tree response, version 3: outcome 2 (*,<=V4):(*,<=$250K) 303 = Decision tree response, version 3: outcome 3 (*,<=V4):(*,<=$250K) 304 = Decision tree response, version 3: outcome 4 (>V1,<=V2:(>$25K,<=$100K) 305 = Decision tree response, version 3: outcome 5 (>V1,<=V4):(>$25K,<=$250K) 306 = Decision tree response, version 3: outcome 6 (>V1,<=V4):(>$25K,<=$250K) 307 = Decision tree response, version 3: outcome 7 (>V2,<=V3):(>$100K,<=$150K) 308 = Decision tree response, version 3: outcome 8 (>V2,<=V4):(>$100K,<=$250K) 309 = Decision tree response, version 3: outcome 9 (>V2,<=V4):(>$100K,<=$250K) 310 = Decision tree response, version 3: outcome 10 (>V3,<=V4):(>$150K,<=$250K) 319 = Decision tree response, version 3: outcome 11 (>V4,<=V5):(>$250K,<=$500K) 320 = Decision tree response, version 3: outcome 12 (>V4,*):(>$250K,*) 321 = Decision tree response, version 3: outcome 13 (>V4,*):(>$250K,*) 322 = Decision tree response, version 3: outcome 14 (>V5,<=V6):(>$500K,<=$1M) 323 = Decision tree response, version 3: outcome 15 (>V5,*):(>$500K,*) 324 = Decision tree response, version 3: outcome 16 (>V5,*):(>$500K,*) 325 = Decision tree response, version 3: outcome 17 (>V6,<=V7):(>$1M,<=$5M) 326 = Decision tree response, version 3: outcome 18 (>V6,*):(>$1M,*) 327 = Decision tree response, version 3: outcome 19 (>V6,*):(>$1M,*) 328 = Decision tree response, version 3: outcome 20 (>V7,*):(>$5M,*) 401 = Decision tree response, version 4: outcome 1 (*,<=V1):(*,<=$10K) 402 = Decision tree response, version 4: outcome 2 (*,<=V4):(*,<=$100K) 403 = Decision tree response, version 4: outcome 3 (*,<=V4):(*,<=$100K) 404 = Decision tree response, version 4: outcome 4 (>V1,<=V2):(>$10K,<=$25K) 405 = Decision tree response, version 4: outcome 5 (>V1,<=V4):(>$10K,<=$100K) 406 = Decision tree response, version 4: outcome 6 (>V1,<=V4):(>$10K,<=$100K) 407 = Decision tree response, version 4: outcome 7 (>V2,<=V3):(>$25K,<=$50K) 408 = Decision tree response, version 4: outcome 8 (>V2,<=V4):(>$25K,<=$100K) 409 = Decision tree response, version 4: outcome 9 (>V2,<=V4):(>$25K,<=$100K) 410 = Decision tree response, version 4: outcome 10 (>V3,<=V4):(>$50K,<=$100K) 419 = Decision tree response, version 4: outcome 11 (>V4,<=V5):(>$100K,<=$250K) 420 = Decision tree response, version 4: outcome 12 (>V4,*):(>$100K,*) 421 = Decision tree response, version 4: outcome 13 (>V4,*):(>$100K,*) 422 = Decision tree response, version 4: outcome 14 (>V5,<=V6):(>$250K,<=$500K) 423 = Decision tree response, version 4: outcome 15 (>V5,*):(>$250K,*) 424 = Decision tree response, version 4: outcome 16 (>V5,*):(>$250K,*) 425 = Decision tree response, version 4: outcome 17 (>V6,<=V7):(>$500K,<=$1M) 426 = Decision tree response, version 4: outcome 18 (>V6,*):(>$500K,*) 427 = Decision tree response, version 4: outcome 19 (>V6,*):(>$500K,*) 428 = Decision tree response, version 4: outcome 20 (>V7,*):(>$1M,*) 501 = Decision tree response, version 5: outcome 1 (*,<=V1):(*,<=$5K) 502 = Decision tree response, version 5: outcome 2 (*,<=V4):(*,<=$50K) 503 = Decision tree response, version 5: outcome 3 (*,<=V4):(*,<=$50K) 504 = Decision tree response, version 5: outcome 4 (>V1,<=V2):(>$5K,<=$10K) 505 = Decision tree response, version 5: outcome 5 (>V1,<=V4):(>$5K,<=$50K) 506 = Decision tree response, version 5: outcome 6 (>V1,<=V4):(>$5K,<=$50K) 507 = Decision tree response, version 5: outcome 7 (>V2,<=V3):(>$10K,<=$25K) 508 = Decision tree response, version 5: outcome 8 (>V2,<=V4):(>$10K,<=$50K) 509 = Decision tree response, version 5: outcome 9 (>V2,<=V4):(>$10K,<=$50K) 510 = Decision tree response, version 5: outcome 10 (>V3,<=V4):(>$25K,<=$50K) 519 = Decision tree response, version 5: outcome 11 (>V4,<=V5):(>$50K,<=$100K) 520 = Decision tree response, version 5: outcome 12 (>V4,*):(>$50K,*) 521 = Decision tree response, version 5: outcome 13 (>V4,*):(>$50K,*) 522 = Decision tree response, version 5: outcome 14 (>V5,<=V6):(>$100K,<=$250K) 523 = Decision tree response, version 5: outcome 15 (>V5,*):(>$100K,*) 524 = Decision tree response, version 5: outcome 16 (>V5,*):(>$100K,*) 525 = Decision tree response, version 5: outcome 17 (>V6,<=V7):(>$250K,<=$750K) 526 = Decision tree response, version 5: outcome 18 (>V6,*):(>$250K,*) 527 = Decision tree response, version 5: outcome 19 (>V6,*):(>$250K,*) 528 = Decision tree response, version 5: outcome 20 (>V7,*):(>$750K,*) 601 = Decision tree response, version 6: outcome 1 (*,<=V1):(*,<=$500) 602 = Decision tree response, version 6: outcome 2 (*,<=V4):(*,<=$10K) 603 = Decision tree response, version 6: outcome 3 (*,<=V4):(*,<=$10K) 604 = Decision tree response, version 6: outcome 4 (>V1,<=V2:(>$500,<=$1K) 605 = Decision tree response, version 6: outcome 5 (>V1,<=V4):(>$500,<=$10K) 606 = Decision tree response, version 6: outcome 6 (>V1,<=V4):(>$500,<=$10K) 607 = Decision tree response, version 6: outcome 7 (>V2,<=V3):(>$1K,<=$5K) 608 = Decision tree response, version 6: outcome 8 (>V2,<=V4):(>$1K,<=$10K) 609 = Decision tree response, version 6: outcome 9 (>V2,<=V4):(>$1K,<=$10K) 610 = Decision tree response, version 6: outcome 10 (>V3,<=V4):(>$5K,<=$10K) 619 = Decision tree response, version 6: outcome 11 (>V4,<=V5):(>$10K,<=$25K) 620 = Decision tree response, version 6: outcome 12 (>V4,*):(>$10K,*) 621 = Decision tree response, version 6: outcome 13 (>V4,*):(>$10K,*) 622 = Decision tree response, version 6: outcome 14 (>V5,<=V6):(>$25K,<=$75K) 623 = Decision tree response, version 6: outcome 15 (>V5,*):(>$25K,*) 624 = Decision tree response, version 6: outcome 16 (>V5,*):(>$25K,*) 625 = Decision tree response, version 6: outcome 17 (>V6,<=V7):(>$75K,$250K) 626 = Decision tree response, version 6: outcome 18 (>V6,*):(>$75K,*) 627 = Decision tree response, version 6: outcome 19 (>V6,*):(>$75K,*) 628 = Decision tree response, version 6: outcome 20 (>V7,*):(>$250K,*) 701 = Decision tree response, version 7: outcome 1 (*,<=V1):(*,<=$100) 702 = Decision tree response, version 7: outcome 2 (*,<=V4):(*,<=$250) 703 = Decision tree response, version 7: outcome 3 (*,<=V4):(*,<=$250) 704 = Decision tree response, version 7: outcome 4 (>V1,<=V2:(>$100,<=$1K) 705 = Decision tree response, version 7: outcome 5 (>V1,<=V4):(>$100,<=$1K) 706 = Decision tree response, version 7: outcome 6 (>V1,<=V4):(>$100,<=$1K) 707 = Decision tree response, version 7: outcome 7 (>V2,<=V3):(>$250,<=$500) 708 = Decision tree response, version 7: outcome 8 (>V2,<=V4):(>$250,<=$1K) 709 = Decision tree response, version 7: outcome 9 (>V2,<=V4):(>$250,<=$1K) 710 = Decision tree response, version 7: outcome 10 (>V3,<=V4):(>$500,<=$1K) 719 = Decision tree response, version 7: outcome 11 (>V4,<=V5):(>$1K,<=$2K) 720 = Decision tree response, version 7: outcome 12 (>V4,*):(>$1K,*) 721 = Decision tree response, version 7: outcome 13 (>V4,*):(>$1K,*) 722 = Decision tree response, version 7: outcome 14 (>V5,<=V6):(>$2K,<=$10K) 723 = Decision tree response, version 7: outcome 15 (>V5,*):(>$2K,*) 724 = Decision tree response, version 7: outcome 16 (>V5,*):(>$2K,*) 725 = Decision tree response, version 7: outcome 17 (>V6,<=V7):(>$10K,<=$50K) 726 = Decision tree response, version 7: outcome 18 (>V6,*):(>$10K,*) 727 = Decision tree response, version 7: outcome 19 (>V6,*):(>$10K,*) 728 = Decision tree response, version 7: outcome 20 (>V7,*):(>$50K,*) 801 = Decision tree response, version 8: outcome 1 (*,<=V1):(*,<=$50) 802 = Decision tree response, version 8: outcome 2 (*,<=V4):(*,<=$500) 803 = Decision tree response, version 8: outcome 3 (*,<=V4):(*,<=$500) 804 = Decision tree response, version 8: outcome 4 (>V1,<=V2):(>$50,<=$100) 805 = Decision tree response, version 8: outcome 5 (>V1,<=V4):(>$50,<=$500) 806 = Decision tree response, version 8: outcome 6 (>V1,<=V4):(>$50,<=$500) 807 = Decision tree response, version 8: outcome 7 (>V2,<=V3):(>$100,<=$250) 808 = Decision tree response, version 8: outcome 8 (>V2,<=V4):(>$100,<=$500) 809 = Decision tree response, version 8: outcome 9 (>V2,<=V4):(>$100,<=$500) 810 = Decision tree response, version 8: outcome 10 (>V3,<=V4):(>$250,<=$500) 819 = Decision tree response, version 8: outcome 11 (>V4,<=V5):(>$500,<=$1K) 820 = Decision tree response, version 8: outcome 12 (>V4,*):(>$500,*) 821 = Decision tree response, version 8: outcome 13 (>V4,*):(>$500,*) 822 = Decision tree response, version 8: outcome 14 (>V5,<=V6):(>$1K,<=$5K) 823 = Decision tree response, version 8: outcome 15 (>V5,*):(>$1K,*) 824 = Decision tree response, version 8: outcome 16 (>V5,*):(>$1K,*) 825 = Decision tree response, version 8: outcome 17 (>V6,<=V7):(>$5K,<=$10K) 826 = Decision tree response, version 8: outcome 18 (>V6,*):(>$5K,*) 827 = Decision tree response, version 8: outcome 19 (>V6,*):(>$5K,*) 828 = Decision tree response, version 8: outcome 20 (>V7,*):(>$10K,*) 901 = Decision tree response, version 9: outcome 1 (*,<=V1):(*,<=$1K) 902 = Decision tree response, version 9: outcome 2 (*,<=V4):(*,<=$25K) 903 = Decision tree response, version 9: outcome 3 (*,<=V4):(*,<=$25K) 904 = Decision tree response, version 9: outcome 4 (>V1,<=V2):(>$1K,<=$5K) 905 = Decision tree response, version 9: outcome 5 (>V1,<=V4):(>$1K,<=$25K) 906 = Decision tree response, version 9: outcome 6 (>V1,<=V4):(>$1K,<=$25K) 907 = Decision tree response, version 9: outcome 7 (>V2,<=V3):(>$5K,<=$10K) 908 = Decision tree response, version 9: outcome 8 (>V2,<=V4):(>$5K,<=$25K) 909 = Decision tree response, version 9: outcome 9 (>V2,<=V4):(>$5K,<=$25K) 910 = Decision tree response, version 9: outcome 10 (>V3,<=V4):(>$10K,<=$25K) 919 = Decision tree response, version 9: outcome 11 (>V4,<=V5):(>$25K,<=$50K) 920 = Decision tree response, version 9: outcome 12 (>V4,*):(>$25K,*) 921 = Decision tree response, version 9: outcome 13 (>V4,*):(>$25K,*) 922 = Decision tree response, version 9: outcome 14 (>V5,<=V6):(>$50K,<=$100K) 923 = Decision tree response, version 9: outcome 15 (>V5,*):(>$50K,*) 924 = Decision tree response, version 9: outcome 16 (>V5,*):(>$50K,*) 925 = Decision tree response, version 9: outcome 17 (>V6,<=V7):(>$100K,<=$250K) 926 = Decision tree response, version 9: outcome 18 (>V6,*):(>$100K,*) 927 = Decision tree response, version 9: outcome 19 (>V6,*):(>$100K,*) 928 = Decision tree response, version 9: outcome 20 (>V7,*):(>$250K,*) RANGE CARD RESPONSES FOR POSITIVE NUMBERS 1001 = Range card response via [Alt-Z]: range A. $1 to $100 1002 = Range card response via [Alt-Z]: range B. $101 to $500 1003 = Range card response via [Alt-Z]: range C. $501 to $1,000 1004 = Range card response via [Alt-Z]: range D. $1,001 to $2,500 1005 = Range card response via [Alt-Z]: range E. $2,501 to $5,000 1006 = Range card response via [Alt-Z]: range F. $5,001 to $7,500 1007 = Range card response via [Alt-Z]: range G. $7,501 to $10,000 1008 = Range card response via [Alt-Z]: range H. $10,001 to $25,000 1009 = Range card response via [Alt-Z]: range I. $25,001 to $50,000 1010 = Range card response via [Alt-Z]: range J. $50,001 to $75,000 1011 = Range card response via [Alt-Z]: range K. $75,001 to $100,000 1012 = Range card response via [Alt-Z]: range L. $100,001 to $250,000 1013 = Range card response via [Alt-Z]: range M. $250,001 to $500,000 1014 = Range card response via [Alt-Z]: range N. $500,001 to $1,000,000 1015 = Range card response via [Alt-Z]: range O. $1,000,001 to $5,000,000 1016 = Range card response via [Alt-Z]: range P. $5,000,001 to $10,000,000 1017 = Range card response via [Alt-Z]: range Q. $10,000,001 to $25,000,000 1018 = Range card response via [Alt-Z]: range R. $25,000,001 to $50,000,000 1019 = Range card response via [Alt-Z]: range S. $50,000,001 to $100,000,000 1020 = Range card response via [Alt-Z]: range T. More than $100,000,000 1021 = Range card response via DKDOL: range A. $1 to $100 1022 = Range card response via DKDOL: range B. $101 to $500 1023 = Range card response via DKDOL: range C. $501 to $1,000 1024 = Range card response via DKDOL: range D. $1,001 to $2,500 1025 = Range card response via DKDOL: range E. $2,501 to $5,000 1026 = Range card response via DKDOL: range F. $5,001 to $7,500 1027 = Range card response via DKDOL: range G. $7,501 to $10,000 1028 = Range card response via DKDOL: range H. $10,001 to $25,000 1029 = Range card response via DKDOL: range I. $25,001 to $50,000 1030 = Range card response via DKDOL: range J. $50,001 to $75,000 1031 = Range card response via DKDOL: range K. $75,001 to $100,000 1032 = Range card response via DKDOL: range L. $100,001 to $250,000 1033 = Range card response via DKDOL: range M. $250,001 to $500,000 1034 = Range card response via DKDOL: range N. $500,001 to $1,000,000 1035 = Range card response via DKDOL: range O. $1,000,001 to $5,000,000 1036 = Range card response via DKDOL: range P. $5,000,001 to $10,000,000 1037 = Range card response via DKDOL: range Q. $10,000,001 to $25,000,000 1038 = Range card response via DKDOL: range R. $25,000,001 to $50,000,000 1039 = Range card response via DKDOL: range S. $50,000,001 to $100,000,000 1040 = Range card response via DKDOL: range T. More than $100,000,000 RESPONDENT-PROVIDED DOLLAR RANGE FOR POSITIVE NUMBERS 1041 = Upper and lower bounds given: Reached via [Alt-Z] 1042 = Upper bound given, lower bound missing: Reached via [Alt-Z] 1043 = Lower bound given, upper bound missing: Reached via [Alt-Z] 1044 = Upper and lower bounds given: Reached via Level2B/Level2C 1045 = Upper bound given, lower bound missing: Reached via Level2B/Level2C 1046 = Lower bound given, upper bound missing: Reached via Level2B/Level2C INTERVIEW COMMENT INDICATES THAT RANGES ARE NEGATIVE DECISION TREE RESPONSES THAT RESULTED IN A BOUND FOR NEGATIVE NUMBERS (NOTE: for decision tree codes, responses that resulted in no usable bounding information are collected separately below) 151 = Decision tree response, version 1: outcome 1 (negative value) 152 = Decision tree response, version 1: outcome 2 (negative value) 153 = Decision tree response, version 1: outcome 3 (negative value) 154 = Decision tree response, version 1: outcome 4 (negative value) 155 = Decision tree response, version 1: outcome 5 (negative value) 156 = Decision tree response, version 1: outcome 6 (negative value) 157 = Decision tree response, version 1: outcome 7 (negative value) 158 = Decision tree response, version 1: outcome 8 (negative value) 159 = Decision tree response, version 1: outcome 9 (negative value) 160 = Decision tree response, version 1: outcome 10 (negative value) 169 = Decision tree response, version 1: outcome 11 (negative value) 170 = Decision tree response, version 1: outcome 12 (negative value) 171 = Decision tree response, version 1: outcome 13 (negative value) 172 = Decision tree response, version 1: outcome 14 (negative value) 173 = Decision tree response, version 1: outcome 15 (negative value) 174 = Decision tree response, version 1: outcome 16 (negative value) 175 = Decision tree response, version 1: outcome 17 (negative value) 176 = Decision tree response, version 1: outcome 18 (negative value) 177 = Decision tree response, version 1: outcome 19 (negative value) 178 = Decision tree response, version 1: outcome 20 (negative value) 251 = Decision tree response, version 2: outcome 1 (negative value) 252 = Decision tree response, version 2: outcome 2 (negative value) 253 = Decision tree response, version 2: outcome 3 (negative value) 254 = Decision tree response, version 2: outcome 4 (negative value) 255 = Decision tree response, version 2: outcome 5 (negative value) 256 = Decision tree response, version 2: outcome 6 (negative value) 257 = Decision tree response, version 2: outcome 7 (negative value) 258 = Decision tree response, version 2: outcome 8 (negative value) 259 = Decision tree response, version 2: outcome 9 (negative value) 260 = Decision tree response, version 2: outcome 10 (negative value) 269 = Decision tree response, version 2: outcome 11 (negative value) 270 = Decision tree response, version 2: outcome 12 (negative value) 271 = Decision tree response, version 2: outcome 13 (negative value) 272 = Decision tree response, version 2: outcome 14 (negative value) 273 = Decision tree response, version 2: outcome 15 (negative value) 274 = Decision tree response, version 2: outcome 16 (negative value) 275 = Decision tree response, version 2: outcome 17 (negative value) 276 = Decision tree response, version 2: outcome 18 (negative value) 277 = Decision tree response, version 2: outcome 19 (negative value) 278 = Decision tree response, version 2: outcome 20 (negative value) 351 = Decision tree response, version 3: outcome 1 (negative value) 352 = Decision tree response, version 3: outcome 2 (negative value) 353 = Decision tree response, version 3: outcome 3 (negative value) 354 = Decision tree response, version 3: outcome 4 (negative value) 355 = Decision tree response, version 3: outcome 5 (negative value) 356 = Decision tree response, version 3: outcome 6 (negative value) 357 = Decision tree response, version 3: outcome 7 (negative value) 358 = Decision tree response, version 3: outcome 8 (negative value) 359 = Decision tree response, version 3: outcome 9 (negative value) 360 = Decision tree response, version 3: outcome 10 (negative value) 369 = Decision tree response, version 3: outcome 11 (negative value) 370 = Decision tree response, version 3: outcome 12 (negative value) 371 = Decision tree response, version 3: outcome 13 (negative value) 372 = Decision tree response, version 3: outcome 14 (negative value) 373 = Decision tree response, version 3: outcome 15 (negative value) 374 = Decision tree response, version 3: outcome 16 (negative value) 375 = Decision tree response, version 3: outcome 17 (negative value) 376 = Decision tree response, version 3: outcome 18 (negative value) 377 = Decision tree response, version 3: outcome 19 (negative value) 378 = Decision tree response, version 3: outcome 20 (negative value) 451 = Decision tree response, version 4: outcome 1 (negative value) 452 = Decision tree response, version 4: outcome 2 (negative value) 453 = Decision tree response, version 4: outcome 3 (negative value) 454 = Decision tree response, version 4: outcome 4 (negative value) 455 = Decision tree response, version 4: outcome 5 (negative value) 456 = Decision tree response, version 4: outcome 6 (negative value) 457 = Decision tree response, version 4: outcome 7 (negative value) 458 = Decision tree response, version 4: outcome 8 (negative value) 459 = Decision tree response, version 4: outcome 9 (negative value) 460 = Decision tree response, version 4: outcome 10 (negative value) 469 = Decision tree response, version 4: outcome 11 (negative value) 470 = Decision tree response, version 4: outcome 12 (negative value) 471 = Decision tree response, version 4: outcome 13 (negative value) 472 = Decision tree response, version 4: outcome 14 (negative value) 473 = Decision tree response, version 4: outcome 15 (negative value) 474 = Decision tree response, version 4: outcome 16 (negative value) 475 = Decision tree response, version 4: outcome 17 (negative value) 476 = Decision tree response, version 4: outcome 18 (negative value) 477 = Decision tree response, version 4: outcome 19 (negative value) 478 = Decision tree response, version 4: outcome 20 (negative value) 551 = Decision tree response, version 5: outcome 1 (negative value) 552 = Decision tree response, version 5: outcome 2 (negative value) 553 = Decision tree response, version 5: outcome 3 (negative value) 554 = Decision tree response, version 5: outcome 4 (negative value) 555 = Decision tree response, version 5: outcome 5 (negative value) 556 = Decision tree response, version 5: outcome 6 (negative value) 557 = Decision tree response, version 5: outcome 7 (negative value) 558 = Decision tree response, version 5: outcome 8 (negative value) 559 = Decision tree response, version 5: outcome 9 (negative value) 560 = Decision tree response, version 5: outcome 10 (negative value) 569 = Decision tree response, version 5: outcome 11 (negative value) 570 = Decision tree response, version 5: outcome 12 (negative value) 571 = Decision tree response, version 5: outcome 13 (negative value) 572 = Decision tree response, version 5: outcome 14 (negative value) 573 = Decision tree response, version 5: outcome 15 (negative value) 574 = Decision tree response, version 5: outcome 16 (negative value) 575 = Decision tree response, version 5: outcome 17 (negative value) 576 = Decision tree response, version 5: outcome 18 (negative value) 577 = Decision tree response, version 5: outcome 19 (negative value) 578 = Decision tree response, version 5: outcome 20 (negative value) 651 = Decision tree response, version 6: outcome 1 (negative value) 652 = Decision tree response, version 6: outcome 2 (negative value) 653 = Decision tree response, version 6: outcome 3 (negative value) 654 = Decision tree response, version 6: outcome 4 (negative value) 655 = Decision tree response, version 6: outcome 5 (negative value) 656 = Decision tree response, version 6: outcome 6 (negative value) 657 = Decision tree response, version 6: outcome 7 (negative value) 658 = Decision tree response, version 6: outcome 8 (negative value) 659 = Decision tree response, version 6: outcome 9 (negative value) 660 = Decision tree response, version 6: outcome 10 (negative value) 669 = Decision tree response, version 6: outcome 11 (negative value) 670 = Decision tree response, version 6: outcome 12 (negative value) 671 = Decision tree response, version 6: outcome 13 (negative value) 672 = Decision tree response, version 6: outcome 14 (negative value) 673 = Decision tree response, version 6: outcome 15 (negative value) 674 = Decision tree response, version 6: outcome 16 (negative value) 675 = Decision tree response, version 6: outcome 17 (negative value) 676 = Decision tree response, version 6: outcome 18 (negative value) 677 = Decision tree response, version 6: outcome 19 (negative value) 678 = Decision tree response, version 6: outcome 20 (negative value) 751 = Decision tree response, version 7: outcome 1 (negative value) 752 = Decision tree response, version 7: outcome 2 (negative value) 753 = Decision tree response, version 7: outcome 3 (negative value) 754 = Decision tree response, version 7: outcome 4 (negative value) 755 = Decision tree response, version 7: outcome 5 (negative value) 756 = Decision tree response, version 7: outcome 6 (negative value) 757 = Decision tree response, version 7: outcome 7 (negative value) 758 = Decision tree response, version 7: outcome 8 (negative value) 759 = Decision tree response, version 7: outcome 9 (negative value) 760 = Decision tree response, version 7: outcome 10 (negative value) 769 = Decision tree response, version 7: outcome 11 (negative value) 770 = Decision tree response, version 7: outcome 12 (negative value) 771 = Decision tree response, version 7: outcome 13 (negative value) 772 = Decision tree response, version 7: outcome 14 (negative value) 773 = Decision tree response, version 7: outcome 15 (negative value) 774 = Decision tree response, version 7: outcome 16 (negative value) 775 = Decision tree response, version 7: outcome 17 (negative value) 776 = Decision tree response, version 7: outcome 18 (negative value) 777 = Decision tree response, version 7: outcome 19 (negative value) 778 = Decision tree response, version 7: outcome 20 (negative value) 851 = Decision tree response, version 8: outcome 1 (negative value) 852 = Decision tree response, version 8: outcome 2 (negative value) 853 = Decision tree response, version 8: outcome 3 (negative value) 854 = Decision tree response, version 8: outcome 4 (negative value) 855 = Decision tree response, version 8: outcome 5 (negative value) 856 = Decision tree response, version 8: outcome 6 (negative value) 857 = Decision tree response, version 8: outcome 7 (negative value) 858 = Decision tree response, version 8: outcome 8 (negative value) 859 = Decision tree response, version 8: outcome 9 (negative value) 860 = Decision tree response, version 8: outcome 10 (negative value) 869 = Decision tree response, version 8: outcome 11 (negative value) 870 = Decision tree response, version 8: outcome 12 (negative value) 871 = Decision tree response, version 8: outcome 13 (negative value) 872 = Decision tree response, version 8: outcome 14 (negative value) 873 = Decision tree response, version 8: outcome 15 (negative value) 874 = Decision tree response, version 8: outcome 16 (negative value) 875 = Decision tree response, version 8: outcome 17 (negative value) 876 = Decision tree response, version 8: outcome 18 (negative value) 877 = Decision tree response, version 8: outcome 19 (negative value) 878 = Decision tree response, version 8: outcome 20 (negative value) 951 = Decision tree response, version 9: outcome 1 (negative value) 952 = Decision tree response, version 9: outcome 2 (negative value) 953 = Decision tree response, version 9: outcome 3 (negative value) 954 = Decision tree response, version 9: outcome 4 (negative value) 955 = Decision tree response, version 9: outcome 5 (negative value) 956 = Decision tree response, version 9: outcome 6 (negative value) 957 = Decision tree response, version 9: outcome 7 (negative value) 958 = Decision tree response, version 9: outcome 8 (negative value) 959 = Decision tree response, version 9: outcome 9 (negative value) 960 = Decision tree response, version 9: outcome 10 (negative value) 969 = Decision tree response, version 9: outcome 11 (negative value) 970 = Decision tree response, version 9: outcome 12 (negative value) 971 = Decision tree response, version 9: outcome 13 (negative value) 972 = Decision tree response, version 9: outcome 14 (negative value) 973 = Decision tree response, version 9: outcome 15 (negative value) 974 = Decision tree response, version 9: outcome 16 (negative value) 975 = Decision tree response, version 9: outcome 17 (negative value) 976 = Decision tree response, version 9: outcome 18 (negative value) 977 = Decision tree response, version 9: outcome 19 (negative value) 978 = Decision tree response, version 9: outcome 20 (negative value) RANGE CARD RESPONSES FOR NEGATIVE NUMBERS 1051 = Range card response via [Alt-Z]: range A. -$1 to -$100 1052 = Range card response via [Alt-Z]: range B. -$101 to -$500 1053 = Range card response via [Alt-Z]: range C. -$501 to -$1,000 1054 = Range card response via [Alt-Z]: range D. -$1,001 to -$2,500 1055 = Range card response via [Alt-Z]: range E. -$2,501 to -$5,000 1056 = Range card response via [Alt-Z]: range F. -$5,001 to -$7,500 1057 = Range card response via [Alt-Z]: range G. -$7,501 to -$10,000 1058 = Range card response via [Alt-Z]: range H. -$10,001 to -$25,000 1059 = Range card response via [Alt-Z]: range I. -$25,001 to -$50,000 1060 = Range card response via [Alt-Z]: range J. -$50,001 to -$75,000 1061 = Range card response via [Alt-Z]: range K. -$75,001 to -$100,000 1062 = Range card response via [Alt-Z]: range L. -$100,001 to -$250,000 1063 = Range card response via [Alt-Z]: range M. -$250,001 to -$500,000 1064 = Range card response via [Alt-Z]: range N. -$500,001 to -$1,000,000 1065 = Range card response via [Alt-Z]: range O. -$1,000,001 to -$5,000,000 1066 = Range card response via [Alt-Z]: range P. -$5,000,001 to -$10,000,000 1067 = Range card response via [Alt-Z]: range Q. -$10,000,001 to -$25,000,000 1068 = Range card response via [Alt-Z]: range R. -$25,000,001 to -$50,000,000 1069 = Range card response via [Alt-Z]: range S. -$50,000,001 to -$100,000,000 1070 = Range card response via [Alt-Z]: range T. Less than -$100,000,000 1071 = Range card response via DKDOL: range A. -$1 to -$100 1072 = Range card response via DKDOL: range B. -$101 to -$500 1073 = Range card response via DKDOL: range C. -$501 to -$1,000 1074 = Range card response via DKDOL: range D. -$1,001 to -$2,500 1075 = Range card response via DKDOL: range E. -$2,501 to -$5,000 1076 = Range card response via DKDOL: range F. -$5,001 to -$7,500 1077 = Range card response via DKDOL: range G. -$7,501 to -$10,000 1078 = Range card response via DKDOL: range H. -$10,001 to -$25,000 1079 = Range card response via DKDOL: range I. -$25,001 to -$50,000 1080 = Range card response via DKDOL: range J. -$50,001 to -$75,000 1081 = Range card response via DKDOL: range K. -$75,001 to -$100,000 1082 = Range card response via DKDOL: range L. -$100,001 to -$250,000 1083 = Range card response via DKDOL: range M. -$250,001 to -$500,000 1084 = Range card response via DKDOL: range N. -$500,001 to -$1,000,000 1085 = Range card response via DKDOL: range O. -$1,000,001 to -$5,000,000 1086 = Range card response via DKDOL: range P. -$5,000,001 to -$10,000,000 1087 = Range card response via DKDOL: range Q. -$10,000,001 to -$25,000,000 1088 = Range card response via DKDOL: range R. -$25,000,001 to -$50,000,000 1089 = Range card response via DKDOL: range S. -$50,000,001 to -$100,000,000 1090 = Range card response via DKDOL: range T. Less than -$100,000,000 RESPONDENT-PROVIDED DOLLAR RANGE FOR NEGATIVE NUMBERS 1091 = Upper and lower bounds given (negative amount): Reached via [Alt-Z] 1092 = Upper bound given, lower bound missing (negative amount): Reached via [Alt-Z] 1093 = Lower bound given, upper bound missing (negative amount): Reached via [Alt-Z] 1094 = Upper and lower bounds given (negative amount): Reached via Level2B/Level2C 1095 = Upper bound given, lower bound missing (negative amount): Reached via Level2B/Level2C 1096 = Lower bound given, upper bound missing (negative amount): Reached via Level2B/Level2C OTHER RANGE RESPONSES THAT YIELDED NO NUMERICAL BOUNDING INFORMATION: ALL VARIABLES WITH J-CODE VALUES BELOW THIS POINT INITIALLY CONTAIN MISSING VALUE CODES AND ALL VARIABLES WITH RANGE J-CODE VALUES ABOVE THIS POINT INITIALLY CONTAIN A RANGE MID-POINT OR OTHER SUCH VALUE 1200 = R answered DK/REF to main $ question, and refused following question requesting a range from the range card (negative amount) 1201 = R answered DK/Ref to main $ question, and refused following question requesting type of range (negative amount) 1202 = R answered DK to main $ question, and DK (entered with a function key) to the following question requesting a range from the range card (negative amount) 1203 = R answered Ref to main $ question, and DK (entered with a function key) to the following question requesting a range from the range card (negative amount) 1294 = Exit decision tree at Q1 with Ref, any version: outcome 21 1295 = Exit Decision tree at Q1 with DK, any version: outcome 22 1300 = R answered DK/REF to main $ question, and refused following question requesting a range from the range card 1301 = R answered DK/Ref to main $ question, and refused following question requesting type of range 1302 = R answered DK to main $ question, and DK (entered with a function key) to the following question requesting a range from the range card 1303 = R answered Ref to main $ question, and DK (entered with a function key) to the following question requesting a range from the range card 1304 = Interviewer entered R's initial response as [Alt-Z], but R subsequently did not provide any range information within DOLLARPROBE OTHER CODES FOR MISSING DATA 2050 = Original response was DK. 2052 = Original response missing as a result of missing information for a higher-order question. For example, if the respondent refused to say whether or not the family had a checking account, then the number of checking accounts would be missing in this sense. In a few circumstances a different procedure is followed: (1) if a dollar variable was missing and the answers in DOLLARPROBE yielded a missing value that variable has an associated frequency question that is only asked when a positive value of the dollar variable is reported, then the frequency variable is given the same J-code as the dollar variable; (2) for clusters of variables containing a dollar amount and percent options (for example, employer match rate percentage contribution and dollar amount of contribution to a pension plan) that can be computed from each other (perhaps given some other variable--in the case of the example, this other variable would be the worker's wage). 2053 = Original response was refused 2054 = Original response was "some, DK how many" (see B6). 2056 = Missing value determined from verbatim response by NORC coders. 2060 = Unresolved data problem (none should remain in final data set). 2079 = Data missing because of questionnaire error. 2080 = Recode variable, missing because data not collected for sub-group, data to be imputed. 2081 = Recode variable, some, but not all components originally missing. 2082 = Recode variable, all components originally missing. 2097 = Override of reported information with (at least partially) imputed data 2098 = Override of reported/inap./other information with a missing value. 2099 = Used for absent spouse for J104 or J105 when X104 or X105 < 0. 3000 = Data missing because R broke off the interview (each of these cases reviewed to be sure that sufficient information is reported that the case can count as a "partial accepted as complete") 3001 = CAPI program error yielding a missing value. 3002 = Temporary value given to variables containing illegal values. These will all be resolved in editing and converted to other existing codes. (includes "range U") 3003 = Illegal zero response 3004 = Uninformative/irrelevant verbatim response 3005 = Data not available (applies to data from survey screener) 3500 = Data set to missing and imputed for disclosure avoidance General instructions for J variable coding for recoded variables: When a recoded variable is taken directly from another single X-variable, it should have the same J-variable code. When a recoded variable may come from a single variable in the original X-variables, or as the result of a calculation based on some number of X-variables, it is important to distinguish the information content in the J-variables. As noted above, when the value is taken directly, the J-variable should have exactly the same value as that for the X-variable's shadow J-variable. However, when some calculation is involved, this should be reflected in the J-variable -- codes 8, 2081, and 2082. When a recoded variable cannot be computed because some part of the underlying information was not collected for some subset of cases, the recoded variable's J-variable should be coded 9 or 2080. *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ANALYSIS WEIGHTS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Because the SCF sample is not an equal-probability design, weights play a critical role in interpreting the survey data. The main data set contains the final nonresponse-adjusted sampling weights. These weights are intended to compensate for unequal probabilities of selection in the original design and for unit nonresponse (failure to obtain an interview). The weight (X42001) is a partially design-based weight constructed at the Federal Reserve using original selection probabilities and frame information along with aggregate control totals estimated from the Current Population Survey. This weight is a relatively minor revision of the consistent weight series (X42000) maintained for the SCFs beginning with 1989 (For a detailed discussion of these weights, see "Consistent Weight Design for the 1989, 1992, and 1995 SCFs and the Distribution of Wealth," by Arthur B. Kennickell and R. Louise Woodburn, Review of Income and Wealth, Series 45, Number 2, June 1999, pp. 193-215 or the longer version given on the SCF web site at www.federalreserve.gov/econresdata/scf/scf_workingpapers.htm). The nature of the revisions to the consistent weights is described in "Revisions to the SCF Weighting Methodology: Accounting for Race/Ethnicity and Homeownership" (Arthur B. Kennickell, January 1999, www.federalreserve.gov/econresdata/ scf/scf_workingpapers.htm). A version of the revised weight has been computed for all the surveys beginning with 1989, and this variable has been added to the public versions of the SCF data sets. Users should be aware that the population defined by the weights for *each implicate* (see above) is 126.0 million households: the sum of each of the weights over all sample cases and imputation replicates is equal to five times the number of households in the sample universe. Although the weights should produce reliable results at the level of broad aggregates (e.g., net worth and income ), it is important to note that many of the variables collected in the SCF are highly skewed in their distributions and that many such variables will apply to only a relatively small fraction of the sample; thus, estimates of characteristics of such variables may be distorted by outliers. In the SCF group at the Federal Reserve, we routinely review our calculations for the presence of overly-influential outliers, and robust techniques are applied when appropriate. We encourage other users to exercise similar care in analyzing the data. The issue of weighting in regressions has long been controversial. Users of the SCF may find two references particularly useful: (1) Analysis of Complex Surveys, C.J. Skinner, D. Holt, and T.M.F. Smith (editors), John Wiley and Sons, 1989 (see particularly pages 8-10, 154-157, and 286-287). (2) The Analysis of Household Surveys: A Microeconometric Approach to Development Policy, Angus Deaton, Johns Hopkins University Press, 1997 (see particularly pages 67-73). At the least, users should think carefully about the effects of weights in their particular models. Weighted estimates may be dramatically less efficient than unweighted estimates, particularly in the SCF. If one is interested in estimating descriptions of the population--rather than "structural models"--there are some clear justifications for weighting and making estimates of sampling error (see below) to test for statistical significance. If weights make a substantial difference in regression estimates, analysts may want to consider the possibly that their models omit some key structure that could be controlled for in a way other than weighting. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- SAMPLING ERROR ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The SCF is a designed as a scientific instrument for the measurement of behavior. However, even under ideal operational conditions, the measurements of the survey are limited in a fundamental way by the fact that it is based on a sample of respondents rather than the entire population. Variability of estimates due to sampling can be estimated. Because we are unable to release any of the basic sample information about the cases in the data set, users are unable on their own to compute reasonable estimates of the sampling variances of their estimates using standard packages. To facilitate such estimation, we provide a file of replicate weights and multiplicity factors corresponding to X42001. Using detailed information about the original sample design, we selected 999 sample replicates from the final set of completed cases in a way intended to capture the important dimensions of sample variation (for details see "Weighting design for the 1992 Survey of Consumer Finances," Arthur Kennickell, Douglas McManus and Louise Woodburn, December 1996, www.federalreserve.gov/econresdata/scf/scf_workingpapers.htm For each survey case and each replicate, the file contains a weight (WT1B1-WT1B999) and the number of times the case was selected in the replicate (MM1-MM999). We computed weights for each replicate using exactly the same procedures we used for the main weights. Replicate weights were computed only for the first implicate of each case. For many purposes, users of the replicate weight files will probably want to multiply the weight times the multiplicity: in all cases the sum of each of the weights times the corresponding multiplicities of the cases equals the total number of households. To estimate the sampling variance of the mean of family income, for example, a user would estimate the mean 999 times using the replicate weights and compute the standard error of that estimate. An estimate of the total standard error attributable to imputation and sampling is given by SQRT((6/5)*imputation variance + sampling variance). A simple SAS program to compute the standard error due to sampling and imputation for the mean and median of a given variable is provided below. This program may be adapted easily for other types of calculations. For example, to compute the standard error of a proportion, create a zero/one dummy variable to indicate the presence of the item; the standard error of the mean will be the correct standard error of the proportion. To reduce the computer memory requirement, the program computes sampling error using blocks of 100 replicate weights rather than the full set at once. Users with large amounts of RAM may wish to increase the size of these blocks, and those with smaller amounts may wish to decrease the size. *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; * MACRO MEANIT; * AK November 12, 2002; * DSN specifies the name of the data set to be used (the data set should contain the following: the main weight renamed as WGT0, a set of variables WGT1-WGT999 equal to the replicate weights multiplied by the multiplicity factors, a variable for which one wishes to compute the standard error due to imputation and sampling for the mean and median, and a variable IMPLIC equal to the implicate number of each case) VAR contains the name of the variable for which one desires standard errors PFLAG: blank prints interim statistics/any character string (e.g., NO) suppresses printing WHERE: defines subsets of data (use IML conventions, e.g., ((X333=3 | X444=4) & X555=5 & X666^=6); * WARNING: this MACRO is not intended to be used with subsets of the full survey data where the population total varies across subsetted implicates: to use this MACRO to make calculations for a subset of the full data set, invoke the WHERE statement; * NOTE: the calculation excludes observations with missing values from the calculation. Thus, if one wants to make the calculation for only non-INAP values, a convenient short cut might be to set all such values (normally zero in the main SCF database) to a missing value (a WHERE condition would also work). The program assumes that missing value patterns are consistent across implicates--if this is not the case, a WHERE condition should be used; * WARNING: if one uses this MACRO to compute variances for very small sub-populations, there is a chance that some of the replicates may contain no cases where the condition defining the sub-population holds. In this case, the program will return a fatal error; %MACRO MEANIT(DSN=,VAR=NW2,PFLAG=,WHERE=); PROC SORT DATA=&DSN; BY &VAR; RUN; * compute pooled (over implicates) global mean/median; PROC UNIVARIATE DATA=&DSN; %IF (&WHERE NE ) %THEN %DO; WHERE (&WHERE & &VAR>.Z); %END; %ELSE %DO; WHERE (&VAR>.Z); %END; FREQ WGT0; VAR &VAR; RUN; PROC IML WORKSPACE=9000 SYMSIZE=5000; RESET LOG LINESIZE=78; PRINT "CALCULATION FOR &VAR"; * first imputation variance; EDIT &DSN; TEMP={IMPLIC &VAR WGT0}; %IF (&WHERE EQ ) %THEN %DO; READ ALL VAR TEMP WHERE (&VAR>.Z) INTO MDATA; %END; %ELSE %DO; READ ALL VAR TEMP WHERE (&WHERE) INTO MDATA; %END; * total population; %IF (&WHERE EQ ) %THEN %DO; POP=SUM(MDATA[,3])/5; %END; * create matrix to hold values of means/medians by implicates; IM=SHAPE(0,1,5); ID=SHAPE(0,1,5); * compute mean/median; DO I=1 TO 5; IMP=MDATA[LOC(MDATA[,1]=I),2:3]; * compute mean; MM=IMP[,1]#IMP[,2]; %IF (&WHERE NE ) %THEN %DO; POP=SUM(IMP[,2]); %END; IM[1,I]=MM[+,]/POP; * compute median; IMP[,2]=CUSUM(IMP[,2])/POP; ID[1,I]=IMP[MIN(LOC(IMP[,2]>=.5)),1]; FREE IMP MM; END; IMEAN=IM[,+]/5; IMEDIAN=ID[,+]/5; PRINT "MEAN OVER IMPLICATES " IMEAN; PRINT "MEDIAN OVER IMPLICATES " IMEDIAN; FREE MDATA IMEAN IMEDIAN; %IF (&PFLAG EQ ) %THEN %DO; PRINT IM ID; %END; * next sampling variance; * create matrix to hold values of means/medians by replicates; RM=SHAPE(0,1,999); RD=SHAPE(0,1,999); %DO I=1 %TO 10; %IF (&PFLAG EQ ) %THEN %PUT CLUMP NUMBER &I; %IF (&I EQ 1) %THEN %DO; %LET TOP=99; %LET BOT=1; %LET LEN=100; %END; %ELSE %DO; %LET BOT=%EVAL(&TOP+1); %LET TOP=%EVAL(&TOP+100); %LET LEN=101; %END; %LET WSTR=%STR(); %DO J=&BOT %TO &TOP; %LET WSTR=&WSTR WGT&J; %END; EDIT &DSN; TEMP={&VAR &WSTR}; %IF (&WHERE EQ ) %THEN %DO; READ ALL VAR TEMP WHERE (IMPLIC=1 & &VAR>.Z) INTO MDATA; %END; %ELSE %DO; READ ALL VAR TEMP WHERE (IMPLIC=1 & &WHERE) INTO MDATA; %END; * compute means; MEAN=MDATA[,2:&LEN]#MDATA[,1]; %IF (&WHERE NE ) %THEN %DO; POP=MDATA[+,2:&LEN]; RM[,&BOT:&TOP]=MEAN[+,]/POP[,1:&LEN-1]; %END; %ELSE %DO; RM[,&BOT:&TOP]=MEAN[+,]/POP; %END; * compute medians; DO I=2 TO &LEN; %IF (&WHERE NE ) %THEN %DO; MDATA[,I]=CUSUM(MDATA[,I])/POP[I-1]; %END; %ELSE %DO; MDATA[,I]=CUSUM(MDATA[,I])/POP; %END; RD[&BOT+I-2]=MDATA[MIN(LOC(MDATA[,I]>=.5)),1]; END; FREE MDATA; %END; %IF (&PFLAG EQ ) %THEN %DO; PRINT RM RD; %END; * finally, compute standard error wrt imputation/sampling; * (X-X-bar)**2/(n-1); IVM=(IM-IM[,+]/5)##2; IVM=IVM[,+]/4; IVD=(ID-ID[,+]/5)##2; IVD=IVD[,+]/4; RVM=(RM-RM[,+]/999)##2; RVM=RVM[,+]/998; RVD=(RD-RD[,+]/999)##2; RVD=RVD[,+]/998; * SQRT((((ni+1)/ni))*(SIGMAI**2) + SIGMAR**2); TVM=SQRT((6/5)*IVM+RVM); TVD=SQRT((6/5)*IVD+RVD); IVM=SQRT(IVM); IVD=SQRT(IVD); RVM=SQRT(RVM); RVD=SQRT(RVD); PRINT "STD DEV IMPUTATION: MEAN: " IVM " MEDIAN: " IVD; PRINT "STD DEV SAMPLING: MEAN: " RVM " MEDIAN: " RVD; PRINT "COMBINED STD DEV: MEAN: " TVM " MEDIAN: " TVD; QUIT; %MEND MEANIT; * create data set from main data set and replicate weight file; DATA DAT(KEEP=NW IMPLIC WGT0-WGT999); MERGE xxx.main_ds(KEEP=Y1 X42001 ...) xxx.rep_wgts(KEEP=Y1 MM1-MM999 WT1B1-WT1B999); BY Y1; * multiply replicate weights by the multiplicity; ARRAY MULT {*} MM1-MM999; ARRAY RWGT {*} WT1B1-WT1B999; ARRAY WGTS {*} WGT1-WGT999; DO I=1 TO DIM(MULT); * take max of multiplicity/weight: where cases not selected for a replicate, there are missing values in these variables; WGTS{I}=MAX(0,MULT{I})*MAX(0,RWGT{I}); END; WGT0=X42001; * define implicate number of case; IMPLIC=Y1-10*YY1; * define net worth (for example); NW=.......; RUN; * run the macro; %MEANIT(DSN=DAT,VAR=NW); *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; *++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++*; ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- DISCLOSURE REVIEW ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Variables not included in the public data set are available only to members of the Microeconomic Surveys Statistical Unit at the Federal Reserve Board. Not even other researchers at the Federal Reserve Board are allowed access to the non-public data. There is no provision whatsoever for allowing direct access to such information for external researchers. Occasionally, when a researcher outside of the SCF project staff has a topic that complements the research interest of the Federal Reserve Board and when there has been time for the project staff to engage with the researcher, the project staff have made limited runs against the internal data of computer programs that have been specified and fully tested by external researchers. A special case must be made for each such instance. THERE IS NO ROUTINE PROVISION FOR ACCESS TO THE RESTRICTED SCF DATA. A paramount goal of the survey is to protect the privacy of the participants, who generously shared their personal information. In light of this goal, the data in this release have been systematically altered by several means to minimize the possibility of identifying any survey respondent. For some discrete variables, small or unusual cells were collapsed as noted in the individual variable descriptions below with the descriptions of the variables. Continuous variables were rounded. Data were also blurred by other means intentionally not specified. In addition, a number of other cases were identified for more extensive treatment. Some of these cases were selected on the basis of extreme or unusual data values; other cases were selected at random. For each of these cases, a selection of critical variables was set to missing and statistically imputed subject to constraints designed to ensure that any distortions induced in key population statistics would be minimal. Where relevant, the codebook provides more detailed information on cell collapsing and other techniques. By design, the SCF sample excludes people who are included in the Forbes Magazine list of the 400 wealthiest people in the U.S. (see references in "SAMPLE DESIGN" above). However, there are several reasons why respondents with wealth at this level could appear in the sample anyway. In the 2016 survey, there were 6 observations that had net worth at least equal to the minimum level needed to qualify for the Forbes list. Because it would be very difficult to obscure sufficiently the identity of such people without rendering their data virtually useless, it was decided to remove them from the public version of the data set. Thus, the public version of the data set contains 6,248 of the 6,254 observations in the full data set. It is important to note that aside from the cell collapsing, there is no key in this codebook or in the data set that would allow users to identify with certainty either which data items have been smoothed or otherwise altered, or which cases were selected for imputation of critical values (that is, the shadow variables in this data set may not always reflect the true original status of every variable). Although this blurring of the data will have some effect on analysis, that effect should be negligible in most cases. For further details on the procedures taken to protect the identity of respondents, see "Analyzing the Disclosure Review Procedures for the 1995 Survey of Consumer Finances," Gerhard Fries, Barry W. Johnson, and R. Louise Woodburn, September 1997, www.federalreserve.gov/econresdata/scf/ scf_workingpapers.htm) and "Multiple Imputation and Disclosure Protection: The Case of the 1995 SCF" (Arthur B. Kennickell, November 1997, www.federalreserve.gov/econresdata/scf/scf_workingpapers.htm). The disclosure protections applied to the data are the product of an agreement between the Federal Reserve Board, NORC, and SOI. Users who feel that the restrictions imposed on the public data set are too constraining are encouraged to submit written proposals for expanded data release, and those requests will be given serious consideration in the release of data from future surveys. Note that dollar variables in the public data set have been rounded according to the following scheme which preserves the population mean on average: * All dollar variables except wages; ARRAY AMT {*} X412 X413 X414 X420 X421 X426 X427 X7575 X505 X510 X513 X518 X521 X526 X602 X604 X607 X612 X614 X617 X619 X623 X627 X631 X635 X703 X708 X716 X717 X721 X7138 X804 X805 X808 X813 X812 X904 X905 X908 X913 X912 X1004 X1005 X1008 X1013 X1012 X1035 X1039 X1040 X1044 X7141 X1108 X1109 X1104 X7142 X1119 X1120 X1115 X7143 X1130 X1131 X1126 X1136 X8401 X1202 X1206 X1210 X1211 X1215 X1219 X1220 X1224 X1306 X1309 X1310 X1311 X1316 X1318 X1325 X1328 X1329 X1330 X1335 X1337 X1339 X8495 X1342 X8498 X1706 X1709 X1714 X1715 X1718 X1723 X1722 X1730 X1806 X1809 X1814 X1815 X1818 X1823 X1822 X1830 X2002 X2003 X2006 X2007 X2010 X2012 X2013 X2016 X2017 X2020 X8406 X8407 X8410 X8411 X8414 X8416 X8417 X8420 X8421 X8424 X3121 X3124 X3126 X3129 X3130 X3131 X3132 X3221 X3224 X3226 X3229 X3230 X3231 X3232 X3335 X8425 X3336 X8426 X3337 X8427 X3408 X3409 X3410 X3412 X3413 X3414 X3416 X3417 X3418 X3420 X3421 X3422 X3452 X3453 X3454 X3428 X8452 X3429 X8453 X3430 X8454 X2105 X2112 X2117 X8428 X2209 X2213 X2214 X2218 X2309 X2313 X2314 X2318 X2409 X2413 X2414 X2418 X7158 X7162 X7164 X7169 X2422 X8430 X2424 X8432 X2425 X8433 X2506 X2510 X2514 X2515 X2519 X2606 X2610 X2614 X2615 X2619 X2623 X8435 X2625 X8437 X2626 X8438 X7805 X7815 X7824 X7828 X7838 X7847 X7851 X7861 X7870 X7905 X7915 X7924 X7928 X7938 X7947 X7951 X7961 X7970 X7179 X8440 X7180 X8441 X2714 X2718 X2719 X2723 X2731 X2735 X2736 X2740 X2814 X2818 X2819 X2823 X2831 X2835 X2836 X2840 X2914 X2918 X2919 X2923 X2931 X2935 X2936 X2940 X7183 X8443 X7184 X8444 X3024 X3027 X3029 X7187 X3506 X3510 X3514 X3518 X3522 X3526 X3529 X8446 X6551-X6554 X6558-X6562 X6566-X6570 X6574 X6756-X6758 X3721 X3730 X3736 X3742 X3748 X3754 X3760 X3765 X8473 X3822 X3824 X3826 X3828 X3830 X7787 X6704 X3833 X3835 X3902 X3906 X7635 X3908 X7636 X3910 X7637 X7633 X7638 X7634 X7639 X6705 X6706 X3915 X3922 X7641 X3918 X3920 X3930 X3932 X6577 X6578 X6580 X8480 X3960 X6587 X6588 X6590 X8490 X4003 X4005 X4006 X4010 X4011 X4014 X4018 X4022 X4026 X4030 X4032 X11015 X11023 X11027 X11028 X11032 X11042 X11045 X11051 X11056 X11115 X11123 X11127 X11128 X11132 X11142 X11145 X11151 X11156 X11259 X8465 X11315 X11323 X11327 X11328 X11332 X11342 X11345 X11351 X11356 X11415 X11423 X11427 X11428 X11432 X11442 X11445 X11451 X11456 X11559 X8466 X5306 X5311 X6462 X6464 X5318 X6467 X6469 X5326 X6472 X6474 X5334 X6477 X6479 X5418 X6957 X8467 X6958 X8468 X5504 X5507 X5510 X5513 X6806 X8457 X5604 X5608 X6965 X5612 X5616 X6971 X5620 X5624 X6977 X5628 X5632 X6983 X6997 X8470 X6998 X8471 X5702 X5704 X5706 X5708 X5710 X5712 X5714 X5716 X5718 X5720 X5722 X5724 X5729 X7362 X5732 X5734 X5804 X5809 X5814 X5818 X8451 X5821 X5823 X7661 X6403 X6415 X6418 X6421 X6432 X6436 X6437 X6439 X8163 X8164 X8166 X8167 X8168 X8188; DO I = 1 TO DIM(AMT); IF (0 < AMT{I} < 5) THEN AMT{I}=1; ELSE IF (5 <= AMT{I} < 1000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT{I},10); IF (RAN>PROB/10) THEN AMT{I}=10*(INT(AMT{I}/10)); ELSE AMT{I}=10*(1+INT(AMT{I}/10)); IF AMT{I}=0 THEN AMT{I}=5; END; ELSE IF (1000 <= AMT{I} < 10000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT{I},100); IF (RAN>PROB/100) THEN AMT{I}=100*(INT(AMT{I}/100)); ELSE AMT{I}=100*(1+INT(AMT{I}/100)); END; ELSE IF (10000 <= AMT{I} < 1000000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT{I},1000); IF (RAN>PROB/1000) THEN AMT{I}=1000*(INT(AMT{I}/1000)); ELSE AMT{I}=1000*(1+INT(AMT{I}/1000)); END; ELSE IF (1000000 <= AMT{I}) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT{I},10000); IF (RAN>PROB/10000) THEN AMT{I}=10000*(INT(AMT{I}/10000)); ELSE AMT{I}=10000*(1+INT(AMT{I}/10000)); END; ELSE IF (-1000 <= AMT{I} < - 5) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT{I},10)); IF (RAN>PROB/10) THEN AMT{I}=10*(INT(AMT{I}/10)); ELSE AMT{I}=10*(-1+INT(AMT{I}/10)); END; ELSE IF (-10000 <= AMT{I} < -1000) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT{I},100)); IF (RAN>PROB/100) THEN AMT{I}=100*(INT(AMT{I}/100)); ELSE AMT{I}=100*(-1+INT(AMT{I}/100)); END; ELSE IF (-1000000 < AMT{I} < -10000) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT{I},1000)); IF (RAN>PROB/1000) THEN AMT{I}=1000*(INT(AMT{I}/1000)); ELSE AMT{I}=1000*(-1+INT(AMT{I}/1000)); END; ELSE IF .Z < AMT{I} <= -1000000 THEN AMT{I}=-1000000; END; * wages: special treatment for hourly wages <= 25; ARRAY AMT2 {*} X4112 X4131 X4509 X4520 X4532 X4540 X4605 X4613 X4712 X4731 X5109 X5120 X5132 X5140 X5205 X5213; ARRAY PER2 {*} X4113 X4132 X4510 X4521 X4533 X4541 X4606 X4614 X4713 X4732 X5110 X5121 X5133 X5141 X5206 X5214; DO I=1 TO DIM(AMT2); IF PER2{I}=18 THEN DO; IF (AMT2{I} < 25 AND AMT2{I} > 0) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},.1); IF (RAN>PROB/.1) THEN AMT2{I}=.1*(INT(AMT2{I}/.1)); ELSE AMT2{I}=.1*(1+INT(AMT2{I}/.1)); END; ELSE IF (25 <= AMT2{I} < 1000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},10); IF (RAN>PROB/10) THEN AMT2{I}=10*(INT(AMT2{I}/10)); ELSE AMT2{I}=10*(1+INT(AMT2{I}/10)); END; ELSE IF (1000 <= AMT2{I} < 10000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},100); IF (RAN>PROB/100) THEN AMT2{I}=100*(INT(AMT2{I}/100)); ELSE AMT2{I}=100*(1+INT(AMT2{I}/100)); END; ELSE IF (10000 <= AMT2{I} < 1000000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},1000); IF (RAN>PROB/1000) THEN AMT2{I}=1000*(INT(AMT2{I}/1000)); ELSE AMT2{I}=1000*(1+INT(AMT2{I}/1000)); END; ELSE IF (1000000 <= AMT2{I}) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},10000); IF (RAN>PROB/10000) THEN AMT2{I}=10000*(INT(AMT2{I}/10000)); ELSE AMT2{I}=10000*(1+INT(AMT2{I}/10000)); END; ELSE IF (-1000 <= AMT2{I} < - 5) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT2{I},10)); IF (RAN>PROB/10) THEN AMT2{I}=10*(INT(AMT2{I}/10)); ELSE AMT2{I}=10*(-1+INT(AMT2{I}/10)); END; ELSE IF (-10000 <= AMT2{I} < -1000) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT2{I},100)); IF (RAN>PROB/100) THEN AMT2{I}=100*(INT(AMT2{I}/100)); ELSE AMT2{I}=100*(-1+INT(AMT2{I}/100)); END; ELSE IF (-1000000 < AMT2{I} < -10000) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT2{I},1000)); IF (RAN>PROB/1000) THEN AMT2{I}=1000*(INT(AMT2{I}/1000)); ELSE AMT2{I}=1000*(-1+INT(AMT2{I}/1000)); END; ELSE IF .Z < AMT2{I} <= -1000000 THEN AMT2{I}=-1000000; END; ELSE DO; IF (0 < AMT2{I} < 5) THEN AMT2{I}=1; ELSE IF (5 <= AMT2{I} < 1000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},10); IF (RAN>PROB/10) THEN AMT2{I}=10*(INT(AMT2{I}/10)); ELSE AMT2{I}=10*(1+INT(AMT2{I}/10)); IF AMT2{I}=0 THEN AMT2{I}=5; END; ELSE IF (1000 <= AMT2{I} < 10000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},100); IF (RAN>PROB/100) THEN AMT2{I}=100*(INT(AMT2{I}/100)); ELSE AMT2{I}=100*(1+INT(AMT2{I}/100)); END; ELSE IF (10000 <= AMT2{I} < 1000000) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},1000); IF (RAN>PROB/1000) THEN AMT2{I}=1000*(INT(AMT2{I}/1000)); ELSE AMT2{I}=1000*(1+INT(AMT2{I}/1000)); END; ELSE IF (1000000 <= AMT2{I}) THEN DO; RAN=UNIFORM(5555555); PROB=MOD(AMT2{I},10000); IF (RAN>PROB/10000) THEN AMT2{I}=10000*(INT(AMT2{I}/10000)); ELSE AMT2{I}=10000*(1+INT(AMT2{I}/10000)); END; ELSE IF (-1000 <= AMT2{I} < - 5) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT2{I},10)); IF (RAN>PROB/10) THEN AMT2{I}=10*(INT(AMT2{I}/10)); ELSE AMT2{I}=10*(-1+INT(AMT2{I}/10)); END; ELSE IF (-10000 <= AMT2{I} < -1000) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT2{I},100)); IF (RAN>PROB/100) THEN AMT2{I}=100*(INT(AMT2{I}/100)); ELSE AMT2{I}=100*(-1+INT(AMT2{I}/100)); END; ELSE IF (-1000000 < AMT2{I} < -10000) THEN DO; RAN=UNIFORM(5555555); PROB=ABS(MOD(AMT2{I},1000)); IF (RAN>PROB/1000) THEN AMT2{I}=1000*(INT(AMT2{I}/1000)); ELSE AMT2{I}=1000*(-1+INT(AMT2{I}/1000)); END; ELSE IF .Z < AMT2{I} <= -1000000 THEN AMT2{I}=-1000000; END; END; ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- COMPARISON WITH OTHER DATA ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- In general, medians of financial characteristics estimated from the SCF should compare well with medians estimated from other surveys using comparable population definitions. However, estimates of means will often differ, largely for two reasons. First, means of many financial characteristics may not be very robustly estimated in surveys that interview only a relatively small number of wealthy households. The distribution of many financial characteristics (e.g., net worth) is highly skewed, and sparse representation of the upper tail will translate into a noisy estimate of statistics, such as the mean, that are strongly affected by the top of the distribution. Second, there may also be a degree of bias in the measurement of some financial characteristics. Evidence suggests that there is differentially higher nonresponse among wealthy households. Failure to account for such differences in the creation of analysis weights leads to a misrepresentation of the size of the upper tail of wealth and characteristics associated with being in that tail. By using frame data for the list sample, the SCF has the means to identify and make some corrections for such nonresponse. However, this option is not available in most other surveys. The SCF may also be compared with aggregate statistics, such as the Financial Accounts of the United States, which are constructed by the Board of Governors of the Federal Reserve System, the National Income and Product Accounts (NIPA), which are constructed by the Bureau of Economic Analysis (BEA), and data published by the Statistics of Income (SOI) division of the Internal Revenue Service (IRS). An analysis of the differences between the SCF and these sources is provided in "Comparing Micro and Macro Sources for Household Accounts in the United States: Evidence from the Survey of Consumer Finances", Lisa Dettling, Sebastian Devlin-Foltz, Jacob Krimmel, Sarah Pack, Jeffrey Thompson, Federal Reserve Board, June 2015, https://www.federalreserve.gov/econresdata/feds/2015/files/2015086pap.pdf As discussed in that paper in detail, there are many conceptual differences between the SCF and the aggregate data that researchers should keep in mind when comparing the data sources. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ACKNOWLEDGMENTS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The SCF is a large project that involves intense commitment by many people. At the Federal Reserve, the main project staff involved with the creation of the data included Jesse Bricker, Lisa Dettling, Sebastian Devlin-Foltz, Peter Hansen, Alice Henriques, Joanne Hsu, Lindsay Jacobs, Elizabeth Llanes, Kevin Moore, Sarah Pack, John Sabelhaus, Jeffrey Thompson and Richard Windle. Important support has come from the FRB officer corps, particularly John Sabelhaus and Diana Hancock, and from the Director of the Division of Research and Statistics, David Wilcox. Support from the Statistics of Income Division (SOI) at the IRS has been essential. Barry Johnson, director of SOI, and David Paris have been essential in negotiating access to the SOI data needed for the SCF sample design. Barry Johnson also has been tireless in his work to facilitate the relationship between the Federal Reserve and SOI and well as in consulting on the disclosure review for the SCF and in sharing the insights he has gained in working with the IRS estate tax data. Justin Bryan, Adrian Dungan and Michael Parisi were particularly helpful in reviewing the confidentiality protectiong procedures used in creating the public version of the SCF data. At NORC, very many people have touched the project in important ways. Catherine Haggerty was the Project Director and her Deputy was Micah Sjoblom. Chet Bowie served as the NORC corporate liaison to the SCF. Steven Pedlow lead the statistical team; Katie Archambeau, Becki Curis, Shannon McEwen and Ned English assisted Steven Pedlow with statistical and data quality tasks. A large number of people in the NORC central office helped with preparation of materials, training and various parts of the survey management; these people include Kate Bachtell, Katie Burda, Nella Coleman, Anna Joyce, Rachel Miller, Shannon Nelson, Karen Veldman and many others. Amy Bartolini was the budget monitor for the project. Lili Perez managed the IT team. Ming Yang, Geoff Walker, Chris Payne, Yan Zeng, Pooja Dawani, and Sneha Praveen provided many critical elements of Case Management system development. Val Cooke, Taifoor Beg, William Erdmann were the CAPI programmers. Other key IT support was provided by Tina Abraham, Steven Ross, Ryan Meagher, Haider Baig, Geoff Walker, Paul Silver, Mario Tejeda, Serena Sampson, Damian Meier, Ryan Enk, Robin Dillard, Lars Suggs, Richard Duda, Eric Jensen, and Richard Martinez. Logistical support was provided by Lynda Branden. Field operations are the heart of survey research, and a very large share of the credit for the success of the project goes to the people involved in that area. Judith Petty was the NORC Central Office representative who coordinated field operations. The Field Project Managers for the study were Suzanne Bard, Vivian Howard, Ella Kemp, and Susan Miller. Wendy Wilson provided oversight for our pretest. Special locating support was provided by Nina Walker and Wendy Wilson. The Field Managers were Theresa Creighton, Lindsay Crozier, Cythnia Dollahite, Anne Domanski, Pamela Engquist, Jayne Garcia, Sholenn Lenoir, Chuck Lasasso, Mamta Malhotra, Veretta Padilla, Darla Ramsbottom, Dawn Remondet, Tracy Sales-Anderson, Darlene Sumner, Pamela Ulrich, Nina Walker, Deborah Waters, and Wendy Wilson. The interviewers for the main field work, some of whom may prefer not to be named, are always the people who do the hardest work. In 2016, the field team included many experienced interviewers--some who had worked on earlier SCFs--and others from a wide variety of backgrounds. They deserve the deep gratitude of users of the SCF data. We humbly apologize to any other colleagues in the Central Office or the field who worked on the 2016 SCF and whose names do not appear here through our oversight. The largest debt is always owed to the survey respondents, who are necessarily anonymous. May every user of the data remember that some person gave his or her time in the public interest to create the data that make their analysis possible. No set of acknowledgements would be complete without mentioning five people: Arthur Kennickell, who spent the majority of his career at the Federal Reserve Board building and evolving the SCF in so many aspects that continue to be a part of the survey ; Gerhard Fries, who worked with such dedication and committment to the ideal of producing the highest quality data; Fritz Scheuren, who provided early and continuing encouragement, insights, and support for the SCF project; Robert Avery, the director of the first SCF, who not only created the atmosphere that made the current development of the project possible, but who continues to contribute as a sounding board for our ideas; and Dorothy S. Projector, the project director of the Federal Reserve's landmark 1962-63 Survey of Financial Characteristics of Consumers, set a very high standard for all future work on household wealth surveys. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CONTACT INFORMATION ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- It is likely that some users will have trouble understanding the organization of the data at first. IF AFTER HAVING FRAMED A FOCUSED QUESTION AND EXHAUSTED ALL OF YOUR LOCAL RESOURCES, YOUR PROBLEM PERSISTS, you may contact the project staff at RSMA-SCF-PublicFeedback@frb.gov. While we would like to be helpful to you, please realize that WE DO NOT HAVE THE RESOURCES TO BE ABLE TO PROVIDE EXTENSIVE SERVICES TO USERS. We hope that by persistence, you will almost always be able to figure out what you need by consulting the questionnaire and the codebook below. We should be your very last resort. Users should feel free to report data errors at any time. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LIST OF VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! IMPORTANT NOTE: not all variables listed below appear in the public use data set -- see list of included variables near the end of this file. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- MISC. CONTROL FILE DATA AND WEIGHTS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- XX1 Internal case ID (8-digit) -- identical for all imputation replicates ("implicates") NOTE: includes IDs of cases not released to the field (list sample replicate cases and postcard refusals) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1 Internal ID/replicate number -- XX1*10 + imputation replicate number (1-5) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* 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) X30075 Data shipment that first contained the observation. The first data shipment was received on May 6, 2016, and subsequent shipments continued until April, 28 2017. 1. Wave 1 2. Wave 2 3. Wave 3 4. Wave 4 5. Wave 5 6. Wave 6 7. Wave 7 8. Wave 8 9. Wave 9 10. Wave 10 11. Wave 11 12. Wave 12 13. Wave 13 14. Wave 14 15. Wave 15 16. Wave 16 17. Wave 17 18. Wave 18 19. Wave 19 20. Wave 20 21. Wave 21 22. Wave 22 23. Wave 23 24. Wave 24 25. Wave 25 26. Wave 26 27. Wave 27 28. Wave 28 29. Wave 29 30. Wave 30 31. Wave 31 32. Wave 32 33. Wave 33 34. Wave 34 35. Wave 35 36. Wave 36 37. Wave 37 38. Wave 38 39. Wave 39 40. Wave 40 ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X33001 Wilshire index as of the day of the interview. ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO THE NEAREST 100 ********************************************************* X30022 Census region 1. Northeast 2. North Central 3. South 4. West ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* 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) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* 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 2016 SCF data for which weights are appropriate. ----------------------------------------------------------------------------- REPLICATE WEIGHTS AND MULTIPLICITY FACTORS ----------------------------------------------------------------------------- As noted in the introduction, there is one additional data file which contains replicate weights and multiplicity factors to be used in estimating sampling variances. The file corresponds to the main weight 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 DATA SET ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- HOUSEHOLD LISTING ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X7504 INTERVIEWER: CHOOSE LANGUAGE TO CONDUCT INTERVIEW IN. 1. *ENGLISH 2. *SPANISH ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7578 INTERVIEWER: ARE SHOWCARDS AVAILABLE TO THE R FOR THIS INTERVIEW? 1. *SHOWCARDS AVAILABLE 5. *SHOWCARDS NOT AVAILABLE X7579 INTERVIEWER: PLEASE CONFIRM THAT YOU ARE CONDUCTING THIS INTERVIEW WITH (SHOWCARDS AVAILABLE/SHOWCARDS NOT AVAILABLE). 1. *YES 5. *NO THIS STATEMENT MUST BE READ TO ALL RESPONDENTS: This interview is completely voluntary and confidential, and all the information collected will be used for statistical purposes only. Because this interview is a part of the Survey of Consumer Finances, I will be asking a number of questions that have dollar answers. The most useful answer is always an exact amount that truly reflects your situation. However, this is not always possible--you may not know the figure, or you may not feel comfortable answering. Because your answers are so important to the study, you may provide rounded amounts or dollar ranges instead of exact amounts. Of course, if there is a question you cannot answer or do not want to answer, we will move on at that point. Feel free to consult any knowledgeable person or use any records and notes at any time during this interview. And please ask questions when anything is not clear. IN PERSON: HAND THE INSTITUTIONS CARD TO THE RESPONDENT AND SAY: As we go through the interview, I will ask you to write a few things on this card to help keep us on track. At the end of the interview, I will either leave this card with you or tear it up, whichever you prefer. ON THE PHONE: As we go through the interview, I will ask you to write down the names of institutions with which you do business. This will help us to keep on track. At the end of the interview, feel free to discard this list as you wish. 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 DATA SET 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 NOT INCLUDED IN THE INTERVIEW (X100=5). 1. Reversed 5. Not reversed In the 2016 SCF, the definitions used in determining whether a spouse or partner is a part of the primary economic unit changed somewhat from earlier SCFs. Most of these changes affect small groups of the population. Two groups account for most of the changes. First, cases where the respondent initially reports being married, but the spouse is not there (or it is questionable whether the spouse is there) and does not share in the finances of the unit (or it is questionable whether the spouse does so). The second group is a roughly comparable group of partners. Where respondents have not been willing to answer questions about the presence of spouses or partner, default assumptions were made. X7019 The following variable summarizes the sets of possible marital arrangements and specifies the assumption about whether a spouse or partner is included in the primary economic unit. The information used in this classification is based on the answers of the original respondent; when X8000=5, this information is contained in the first position of the household listing variables below, and when X8000=1 the information in the second position was used. Note that unlike the case with other variables in the main interview, variables in the initial household listing describing the respondent's marital status are not imputed. Initially-reported marital status=MARRIED 1. Spouse there now=YES, Spouse usually there=YES: Spouse in PEU 2. Spouse there now=YES, Spouse usually there=NO, Have shared finances=SHARED: Spouse in PEU 3. Spouse there now=YES, Spouse usually there=NO, Have shared finances=NOT SHARED: Spouse not in PEU 4. Spouse there now=YES, Spouse usually there=NO, Have shared finances=DK/REF: Spouse not in PEU 5. Spouse there now=YES, Spouse usually there=DK/REF: Spouse in PEU 6. Spouse there now=NO, Spouse usually there=YES, Live with a partner=YES, Partner usually there=YES: Partner in PEU 7. Spouse there now=NO, Spouse usually there=YES, Live with a partner=YES, Partner usually there=NO, Have shared finances=SHARED: Partner in PEU 8. Spouse there now=NO, Spouse usually there=YES, Live with a partner=YES, Partner usually there=NO, Have shared finances=NOT SHARED: Neither spouse nor partner in PEU 9. Spouse there now=NO, Spouse usually there=YES, Live with a partner=YES, Partner usually there=NO, Have shared finances=DK/REF: Neither spouse nor partner in PEU 10. Spouse there now=NO, Spouse usually there=YES, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=SHARED: Partner in PEU 11. Spouse there now=NO, Spouse usually there=YES, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=NOT SHARED: Neither spouse nor partner in PEU 12. Spouse there now=NO, Spouse usually there=YES, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=DK/REF: Neither spouse nor partner in PEU 13. Spouse there now=NO, Spouse usually there=YES, Live with a partner=NO: Spouse in PEU 14. Spouse there now=NO, Spouse usually there=YES, Live with a partner=DK/REF: Spouse in PEU 15. Spouse there now=NO, Spouse usually there=NO, Live with a partner=YES, Partner usually there=YES: Partner in PEU 16. Spouse there now=NO, Spouse usually there=NO, Live with a partner=YES, Partner usually there=NO, Have shared finances= SHARED: Partner in PEU 17. Spouse there now=NO, Spouse usually there=NO, Live with a partner=YES, Partner usually there=NO, Have shared finances= Not SHARED: Neither spouse nor partner in PEU 18. Spouse there now=NO, Spouse usually there=NO, Live with a partner=YES, Partner usually there=NO, Have shared finances=DK/REF: Neither spouse nor partner in PEU 19. Spouse there now=NO, Spouse usually there=NO, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances= SHARED: Partner in PEU 20. Spouse there now=NO, Spouse usually there=NO, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances= NOT SHARED: Neither spouse nor partner in PEU 21. Spouse there now=NO, Spouse usually there=NO, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=DK/REF: Neither spouse nor partner in PEU 22. Spouse there now=NO, Spouse usually there=NO, Live with a partner=NO, Have shared finances= SHARED: Spouse in PEU 23. Spouse there now=NO, Spouse usually there=NO, Live with a partner=NO, Have shared finances= Not SHARED: Spouse not in PEU 24. Spouse there now=NO, Spouse usually there=NO, Live with a partner=NO, Have shared finances= DK/REF: Spouse not in PEU 25. Spouse there now=NO, Spouse usually there=NO, Live with a partner=DK/REF Have shared finances= SHARED: Spouse in PEU 26. Spouse there now=NO, Spouse usually there=NO, Live with a partner=DK/REF Have shared finances= Not SHARED: Spouse not in PEU 27. Spouse there now=NO, Spouse usually there=NO, Live with a partner=DK/REF Have shared finances= DK/REF: Spouse not in PEU 28. Spouse there now=DK/REF, Spouse usually there=NO: Spouse not in PEU 29. Spouse there now=DK/REF, Spouse usually there=YES: Spouse in PEU 30. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=YES, Partner usually there=YES: Partner in PEU 31. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=YES, Partner usually there=NO, Have shared finances= SHARED: Partner in PEU 32. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=YES, Partner usually there=NO, Have shared finances= Not SHARED: Neither spouse nor partner in PEU 33. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=YES, Partner usually there=NO, Have shared finances= DK/REF: Neither spouse nor partner in PEU 34. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances= SHARED: Partner in PEU 35. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances= Not SHARED: Neither spouse nor partner in PEU 36. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=YES, Partner usually there=DK/REF, Have shared finances= DK/REF: Neither spouse nor partner in PEU 37. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=NO, Have shared finances= SHARED: Spouse in PEU 38. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=NO, Have shared finances= Not SHARED: Spouse not in PEU 39. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=NO, Have shared finances= DK/REF: Spouse not in PEU 40. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=DK/REF Have shared finances= SHARED: Spouse in PEU 41. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=DK/REF Have shared finances= Not SHARED: Spouse not in PEU 42. Spouse there now=NO, Spouse usually there=DK/REF, Live with a partner=DK/REF Have shared finances= DK/REF: Spouse not in PEU 43. Spouse there now=DK/REF, Spouse usually there=DK/REF: Spouse not in PEU Initially-reported marital status=LIVING WITH PARTNER 44. Partner usually there=YES: Partner in PEU 45. Partner usually there=NO, Have shared finances=SHARED: Partner in PEU 46. Partner usually there=NO, Have shared finances=NOT SHARED: Partner not in PEU 47. Partner usually there=NO, Have shared finances=DK/REF: Partner not in PEU 48. Partner usually there=DK/REF, Have shared finances=SHARED: Partner in PEU 49. Partner usually there=DK/REF, Have shared finances=NOT SHARED: Partner not in PEU 50. Partner usually there=DK/REF, Have shared finances=DK/REF: Partner not in PEU Initially-reported marital status=SEPARATED 51. Live with a partner=YES, Partner usually there=YES: Partner in PEU 52. Live with a partner=YES, Partner usually there=NO, Have shared finances=SHARED: Partner in PEU 53. Live with a partner=YES, Partner usually there=NO, Have shared finances=NOT SHARED: Partner not in PEU 54. Live with a partner=YES, Partner usually there=NO, Have shared finances=DK/REF: Partner not in PEU 55. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=SHARED: Partner in PEU 56. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=NOT SHARED: Partner not in PEU 57. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=DK/REF: Partner not in PEU 58. Live with a partner=NO: No partner in PEU 59. Live with a partner=DK/REF: No partner in PEU Initially-reported marital status=DIVORCED OR WIDOWED 60. Live with a partner=YES, Partner usually there=YES: Partner in PEU 61. Live with a partner=YES, Partner usually there=NO, Have shared finances=SHARED: Partner in PEU 62. Live with a partner=YES, Partner usually there=NO, Have shared finances=NOT SHARED: Partner not in PEU 63. Live with a partner=YES, Partner usually there=NO, Have shared finances=DK/REF: Partner not in PEU 64. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=SHARED: Partner in PEU 65. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=NOT SHARED: Partner not in PEU 66. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=DK/REF: Partner not in PEU 67. Live with a partner=NO: No spouse/partner in PEU 68. Live with a partner=DK/REF: no spouse/partner in PEU Initially-reported marital status=NEVER MARRIED 69. Live with a partner=YES, Partner usually there=YES: Partner in PEU 70. Live with a partner=YES, Partner usually there=NO, Have shared finances=SHARED: Partner in PEU 71. Live with a partner=YES, Partner usually there=NO, Have shared finances=NOT SHARED: Partner not in PEU 72. Live with a partner=YES, Partner usually there=NO, Have shared finances=DK/REF: Partner not in PEU 73. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=SHARED: Partner in PEU 74. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=NOT SHARED: Partner not in PEU 75. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=DK/REF: Partner not in PEU 76. Live with a partner=NO: no spouse/partner in PEU 77. Live with a partner=DK/REF: no spouse/partner in PEU Initially-reported marital status=DK/REF 78. Live with a partner=YES, Partner usually there=YES: Partner in PEU 79. Live with a partner=YES, Partner usually there=NO, Have shared finances=SHARED: Partner in PEU 80. Live with a partner=YES, Partner usually there=NO, Have shared finances=NOT SHARED: Partner not in PEU 81. Live with a partner=YES, Partner usually there=NO, Have shared finances=DK/REF: Partner not in PEU 82. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=SHARED: Partner in PEU 83. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=NOT SHARED: Partner not in PEU 84. Live with a partner=YES, Partner usually there=DK/REF, Have shared finances=DK/REF: Partner not in PEU 85. Live with a partner=NO: no spouse/partner in PEU 86. Live with a partner=DK/REF: no spouse/partner in PEU X7020 Spouse or partner assumed to be a part of the PEU. 1. No spouse or partner in the PEU 2. Spouse or partner included in the PEU (X7019 EQUALS (1 2 5 6 7 10 13 14 15 16 19 22 25 29 30 31 34 37 40 44 45 48 51 52 55 60 61 64 69 70 73 78 79 82)) X100 This variables indicates when there is information in the initial household listing that indicates that the respondent has a spouse or partner, but that person is not included as a part of the PEU. 1. Included in Iw 5. Not included in Iw 0. Inap. (spouse present; legally married and partner present; absent partner; no spouse/partner) X101 Number of people in the household according to the HHL. Excludes people included in the household listing who do not usually live there and who are financially independent. TOTAL # OF PERSONS IN HHL: 12. 12 or more people NOTE: detailed data (X8020 etc.) are collected on at most 12 people in the household. Respondents who provide information on 12 people are asked whether there are any other people in the household; X101 is coded 12 for respondents who answer this question YES. NOTE: in some cases, it is not known precisely whether a spouse or partner is included in the household; in such cases, an assumption is made and that assumption is contained in X7020; the determination of X101 relies on the assumption in X7020. X7001 Number of people in the primary economic unit. TOTAL # OF PERSONS: 12. 12 or more people NOTE: in some cases, it is not known precisely whether a spouse or partner is included in the household; in such cases, an assumption is made and that assumption is contained in X7020; the determination of X7001 relies on the assumption in X7020. X7050 Number of people in the NPEU. TOTAL # OF PERSONS: -1. None X8020(#1) Before we start the interview, I need to list the people who X102(#2) live with you 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) CODE RELATIVES OF SPOUSE/PARTNER THE SAME AS R'S RELATIVES. X202(#8) X208(#9) 1. *RESPONDENT X214(#10) 2. *SPOUSE; Spouse of R X220(#11) 3. *PARTNER; Partner of R X226(#12) 4. *CHILD (in-law) (of R or Spouse/Partner) 5. *GRANDCHILD 6. *PARENT 7. *GRANDPARENT 8. *AUNT/UNCLE 9. *COUSIN 10. *NIECE/NEPHEW 11. *SISTER/BROTHER 12. *GREAT GRANDCHILD 29. *OTHER RELATIVE 31. *ROOMMATE 32. *FRIEND 34. *BOARDER OR ROOMER/LODGER 35. *PAID HELP; maid, etc. 36. *FOSTER CHILD 39. *OTHER UNRELATED PERSON 0. Inap. (no further persons) ********************************************************* EDIT CHECK: If not a list case, parent is reported, and parent's age is less than 65 or Respondent's age is less than 35: IF X102/X108/X114/X120/X126/X132/X202/X208/X214/ X220/X226 = 6 and (X110/X116/X122/X128/X134/ X204/X210/X216/X222/X228 < 65 or X8022 < 35): CAPI test displayed: ATTENTION: PLEASE CONFIRM THAT THE R HAS BEEN SELECTED CORRECTLY. IF ANY DOUBT, CONTACT YOUR FM. COMMENT LATER COMMENT NOW ********************************************************* FOR THE PUBLIC DATA SET, CODE 12 IS COMBINED WITH CODE 5; CODES 31, 32, AND 36 ARE COMBINED WITH CODE 39; CODES 9 AND 10 ARE COMBINED WITH CODE 29 ********************************************************* NOTE: position #2 contains only spouse/partner information; in all other cases the #2 position contains all zeroes. NOTE: position #12 contains non-zero data only in cases where there were 11 or more people in the household and the respondent had no spouse/partner. X8021(#1) CODE SEX WITHOUT ASKING. IF NECESSARY, SAY: X103(#2) I am required to ask your sex. X109(#3) X115(#4) What is (your spouse's/your partner's/that person's) sex? X121(#5) X127(#6) 1. *MALE X133(#7) 2. *FEMALE X203(#8) 0. Inap. (/no further persons) X209(#9) X215(#10) X221(#11) ********************************************************* X227(#12) X109, X115, X121, X127, X133, X203, X209, X215, X221 AND X227 NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* What is (your/his/her/his or her) date of birth? X5907(#1) MONTH: X6107(#2) 0. Inap. (no spouse or partner) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7003(#1) DAY: X7382(#2) 0. Inap. (no spouse or partner) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,31] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X5908(#1) YEAR: X6108(#2) 0. Inap. (no spouse or partner) ********************************************************* FOR (#1): ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095-17] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE FOR (#2): ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095-15] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-95 ********************************************************* 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 (are you/is [your spouse/partner/he/she/that person])? X128(#6) CODE LESS THAN ONE YEAR AS 0. X134(#7) X204(#8) AGE: X210(#9) -1. LESS THAN ONE YEAR X216(#10) 0. Inap. (no further persons) X222(#11) X228(#12) ********************************************************* FOR (#1): ORIGINALLY ALLOWED VALUES: [12,...,120] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE FOR (#2-#12): ORIGINALLY ALLOWED VALUES: [0,...,120] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK (#1): If R's calculated age is incorrect, and R's reported corrected age differs from R's calculated age by more than 6 years: IF (X7005=3 & ABS(X8095-X5908-X8022)) >= 7 CAPI text displayed: ATTENTION: POSSIBLE R AGE ERROR. Rs COMPUTED AGE OF X8095-X5908 DIFFERENT FROM REPORTED AGE OF X8022. PLEASE EXPLAIN DIFFERENCE. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK (#2): If S/P's age differs from R's calculated age or R's reported corrected age by more than 20 years: IF ((ABS(X8095-X5908)| ABS(X8022))-X104) >= 21 CAPI text displayed: ATTENTION: SILENT: LARGE DIFFERENCE IN Rs AGE OF ((X8095-X5908)| X8022) AND S/P's AGE OF X104. PLEASE CONFIRM. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK (#3-#12): If the larger of R's calculated age, R's reported corrected age and S/P's age is not at least 13 years greater than child's, grandchild's, or foster child's age: IF ((X108/.../X226=4,5, OR 36) & MAX((X8095-X5908),X8022,X104)-(X110/.../X228)) <= 12 CAPI text displayed: ATTENTION: SILENT: SMALL DIFFERENCE BETWEEN RESPONDENT/[S/P] AGE AND CHILD'S/GRANDCHILD'S/FOSTER CHILD'S AGE. PLEASE CONFIRM. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK (#3-#12): If the smaller of R's calculated age, R's reported corrected age, and S/P's age is not at least 13 years less than parent's or grandparent's age: IF ((X108/.../X226=6 OR 7) & (X110/.../X228) - MIN((X8095-X5908),X8022,X104) <= 12 CAPI text displayed: ATTENTION: UNUSUAL DIFFERENCE IN THE YOUNGER OF R'S AGE AND S/P'S AGE AND AGE OF PARENT/GRANDPARENT COMMENT LATER COMMENT NOW ********************************************************* FOR THE PUBLIC DATA SET (EXCEPT X8022 AND X104): IF (1 <= age <=3 OR age =-1) THEN age=3; ELSE IF (age > 3 & age <=6) THEN age=6; ELSE IF (age > 6 & age <=12) THEN age=12; ELSE IF (age > 12 & age <=17) THEN age=17; ELSE IF (age > 17 & age <=25) THEN age=25; ELSE IF (age > 0) THEN age=MIN(ROUND(age,5),95); FOR X8022 AND X104, TOP-CODED AT 95 ********************************************************* CRITICAL VARIABLE: If the age of the R is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: Age is a critical detail in family finances. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND CHANGE DOB/AGE ********************************************************* X14 Respondent: "Reconciled age" X19 Spouse: "Reconciled age" IN THE CAPI PROGRAM USED IN THE SURVEY, DESIGNATED R's 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 QUESTIONNAIRE. 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. AGE: 0. Inap. (no further persons) ********************************************************* FOR THE PUBLIC DATA SET, 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) AGE: 0. Inap. (no further persons) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7005(#1) So, you are (COMPUTED AGE) years old? X7015(#2) (ASKED ONLY OF DESIGNATED RESPONDENT) X7006(#3) X7007(#4) 1. *YES, CONTINUE X7008(#5) 3. *NO, FIX BIRTHDATE X7009(#6) 5. Missing value for year or month of birth X7010(#7) 9. Not asked X7011(#8) 0. Inap. (no spouse/partner) X7012(#9) X7013(#10) X7014(#11) X7035(#12) X8023(#1) (Are you/Is your [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) X123(#5) (NOTE: if R lives with a partner who is financially X129(#6) interdependent, this variable is always coded '2' for the X135(#7) head and partner. The legal marital status of R and of the X205(#8) partner are given by X7372 and X7018 respectively.) X211(#9) X217(#10) 1. *MARRIED X223(#11) 2. *LIVING WITH PARTNER X229(#12) 3. *SEPARATED 4. *DIVORCED 5. *WIDOWED 6. *NEVER MARRIED 0. Inap. (person age 17 or less; No Further persons) ********************************************************* FOR THE PUBLIC DATA SET (EXCEPT X8023 AND X105), CODES 3 AND 5 ARE COMBINED WITH CODE 4; CODE 2 IS COMBINED WITH CODE 1 ********************************************************* 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": such instances may be detected by the fact that J8023=8 and X102=3. X7000(#1) Does your (spouse/partner) live with you now? X7016(#2) 1. *YES 5. *NO 9. Not asked 0. Inap. (no spouse/partner) X7021(#1) Does your (spouse/partner) usually live with you? X7022(#2) 1. *YES 5. *NO 9. Not asked 0. Inap. (does not initially report being either married or living with a partner: X8023^=(1, 2)) X7002(#1) Do you live with a partner? X7017(#2) 1. *YES 5. *NO 9. Not asked 0. Inap. (spouse living there) X8024(#1) Does (he/she) usually live with you? 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 other than #1/#2 under 18; no X136(#7) further persons) X206(#8) X212(#9) X218(#10) X224(#11) X230(#12) (NOTE: X8024/X106 and X7021/X7022 may contain different values: (1) R does not report being married or living with a partner at X8023, but reports living with a partner at X7002 (2) R reports being married at X8023, but reports living with a partner at X7002.) X8098(#1) Do you and your (husband/wife/partner) have shared X107(#2) finances? X113(#3) X119(#4) (ASKED ONLY IF SPOUSE/PARTNER DOES NOT USUALLY LIVE X125(#5) THERE, OTHERWISE ASSUMED TO BE SHARED FINANCES.) X131(#6) X137(#7) Does your (RELATIONSHIP) depend on you (and your X207(#8) [husband/wife/partner]) for most of (his/her) X213(#9) support or is (he/she) financially independent for X219(#10) the most part? X225(#11) X231(#12) TREAT LIVE-IN SERVANTS AS FINANCIALLY INDEPENDENT. (THIS QUESTION IS KEY IN DEFINING THE PRIMARY 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 FINANCIALLY INTERRELATED WITH THE R. SIMILARLY, CHILDREN UNDER THE AGE OF 18 ARE ALSO ASSUMED TO BE FINANCIALLY DEPENDENT ON THE R, EVEN THOUGH IT IS POSSIBLE THAT SOME CHILDREN OF PEOPLE OUTSIDE THE PEU MAY BE INCLUDED BY THIS RULE.) 1. FINANCIALLY DEPENDENT; SHARED FINANCES (TRIVIALLY FOR R) 5. FINANCIALLY INDEPENDENT; NOT SHARED FINANCES 0. Inap. (no further persons) ********************************************************* EDIT CHECK: If paid help is financially dependent: IF (X108/.../X226=35 & X107/.../X225) = 1 CAPI text displayed: ATTENTION: PAID HELP IS USUALLY FINANCIALLY INDEPENDENT. YOU HAVE SELECTED FINANCIALLY DEPENDENT. PLEASE CONFIRM. COMMENT LATER COMMENT NOW ********************************************************* As we go through the interview, I will be asking you about various kinds of financial matters--sometimes just for you, but usually for you and your family living here. By "your family living here" I mean only the following people... (AT THIS POINT, A CHART IS DISPLAYED OF THE PEU MEMBERS) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ECONOMIC EXPECTATIONS, CREDIT ATTITUDES, AND FINANCIAL INSTITUTIONS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 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 X7489 Over the next year, do you expect the economy to perform better, worse, or about the same as now? 1. *Better 2. *Worse 3. *About the same X7556 (SHOW CARD 1) Some people are very knowledgeable about personal finances, while others are less knowledgeable about personal finances. On a scale from zero to ten, where zero is not at all knowledgeable about personal finance and ten is very knowledgeable about personal finance, what number would you (and your {husband/wife/partner}) be on the scale? -1. *NOT AT ALL KNOWLEDGEABLE ABOUT PERSONAL FINANCE 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *VERY KNOWLEDGEABLE ABOUT PERSONAL FINANCE NOTE: CARD 1 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "Not at all knowledgeable about personal finance" and below 10 is printed "Very knowledgeable about personal finance." Nothing is printed below 1 through 9. X7557 (SHOW CARD 2) Some people are fully prepared to take financial risks when they save or make investments, while others try to avoid taking financial risks. On a scale from zero to ten, where zero is not at all willing to take risks and ten is very willing to take risks, what number would you (and your {husband/wife/partner}) be on the scale? -1. *NOT AT ALL WILLING TO TAKE FINANCIAL RISKS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *VERY WILLING TO TAKE RISKS NOTE: CARD 2 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "Not at all willing to take risks" and below 10 is printed "Very willing to take risks." Nothing is printed below 1 through 9. X7561 (SHOW CARD 3) When making major decisions about borrowing money or obtaining credit, some people search for the very best terms while others don't. On a scale from zero to ten, where zero is no searching and ten is a great deal of searching, what number would you (and your {husband/wife/partner}) be on the scale? IF R SAYS "I DON'T BORROW", SAY: What did you do the last time you borrowed? -1. *NO SEARCHING 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *A GREAT DEAL OF SEARCHING NOTE: CARD 3 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "No shopping" and below 10 is printed "A great deal of shopping." Nothing is printed below 1 through 9. Note: X7561 will be mapped back into the five categories used for X7100, a variable from previous survey years. For details on this variable, see previous codebooks. X7101 X7102 X7103 X7104 X7105 X7106 X7107 X7108 X7109 X7110 X6849 X6861 X6862 X6863 X6864 IN PERSON VERSION: (SHOW CARD 2) Please look at this list. What sources of information do you (and your {husband/wife/partner}) use to make decisions about borrowing or credit? (Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else?) TELEPHONE VERSION: I am going to read you a list. Please tell me which sources of information you (and your {husband/wife/partner}) use to make decisions about borrowing or credit. Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. 1. *CALL AROUND 2. *MAGAZINES/NEWSPAPERS; books 3. *MATERIAL IN THE MAIL 4. *TELEVISION/RADIO 5. *INTERNET/ONLINE SERVICE 6. *ADVERTISEMENTS 7. *FRIEND/RELATIVE 8. *LAWYER 9. *ACCOUNTANT 10. *BANKER 11. *BROKER 12. *FINANCIAL PLANNER 13. *SELF (NOT SHOWN ON CARD); spouse/partner 14. *NEVER BORROW 16. Don't shop around; always use same institution 17. Past experience 18. Material from work/business contacts 19. Other personal research 20. Real estate broker; builder 21. Other institutional source (e.g., college, social service agency, etc.) 22. Shop around 23. Store; dealer 24. Insurance agent 32. Telemarketer -7. *OTHER 0. Inap. (no further responses) X7562 (SHOW CARD 3) When making saving and investment decisions, some people search for the very best terms while others don't. On a scale from zero to ten, where zero is no searching and ten is a great deal of searching, what number would you (and your {husband/wife/partner}) be on the scale? -1. *NO SEARCHING 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. *A GREAT DEAL OF SEARCHING NOTE: CARD 3 contains the following information: The numbers 0 through 10 in a horizontal row bounded by dark lines. Below 0 is printed "No shopping" and below 10 is printed "A great deal of shopping." Nothing is printed below 1 through 9. Note: X7562 will be mapped back into the five categories used for X7111 in previous surveys. For details on this variable, see previous codebooks. X7112 X7113 X7114 X7115 X7116 X7117 X7118 X7119 X7120 X7121 X6865 X6866 X6867 X6868 X6869 IN PERSON VERSION: (SHOW CARD 2) Please look at this list. What sources of information do you (and your {husband/wife/partner) use to make decisions about saving and investments? (Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the Internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else?) TELEPHONE VERSION: I am going to read you a list. Please tell me which sources of information do you (and your {husband/wife/partner}) use to make decisions about saving and investments. Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the Internet or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. 1. *CALL AROUND 2. *MAGAZINES/NEWSPAPERS; books 3. *MATERIAL IN THE MAIL 4. *TELEVISION/RADIO 5. *INTERNET/ONLINE SERVICE 6. *ADVERTISEMENTS 7. *FRIEND/RELATIVE 8. *LAWYER 9. *ACCOUNTANT 10. *BANKER 11. *BROKER 12. *FINANCIAL PLANNER 13. *SELF (NOT SHOWN ON CARD); spouse/partner 14. *DO NOT SAVE/INVEST 16. Don't shop around; always use same institution 17. Past experience 18. Material from work/business contacts 19. Investment club 20. Investment seminars 21. Other personal research 22. Shop around 23. Store; dealer 24. Insurance agent 25. Other institutional source (e.g., college, social service agency, etc.) 32. Telemarketer -7. *OTHER 0. Inap. (no further responses) 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 by borrowing or on credit? IF R SAYS THEY DO NOT NEED TO BORROW FOR ANYTHING, SAY: What do you think in general? 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? 1. *YES 5. *NO X403 Next, to cover living expenses when income is cut? 1. *YES 5. *NO X405 Next, to finance the purchase of a car? 1. *YES 5. *NO X406 Finally, to finance educational expenses? 1. *YES 5. *NO The following questions ask about applications for credit (including pre-approved offers) that you have made over the past twelve months. Answer 'yes' if you (or your {husband/wife/ partner}) applied for a particular type of credit whether or not you actually received the credit you applied for. During the past twelve months, did you (or your {husband/wife/ partner}) do any of the following? X433 Apply for a credit card or respond to a pre-approved credit card offer? 1. *YES 5. *NO X434 Request an increase in the credit limit of a credit card? 1. *YES 5. *NO X435 Apply for a mortgage or home-based loan? 1. *YES 5. *NO X436 Request to refinance a mortgage? 1. *YES 5. *NO X437 Apply for an auto loan? 1. *YES 5. *NO X438 Apply for a student loan? 1. *YES 5. *NO X439 Apply for any other consumer credit? 1. *YES 5. *NO X440 Request an increase in the limit of an existing loan (other than a credit card)? 1. *YES 5. *NO X441 You just indicated that you did not apply for any credit over the past twelve months. Was that because you had no need for additional credit, you thought interest rates were too high, you did not think you would get approved, or something else? 1. *NO NEED FOR ADDITIONAL CREDIT; satisfied with current financial situation 2. *INTEREST RATES WERE TOO HIGH 3. *DID NOT THINK I WOULD GET APPROVED 4. *DID NOT KNOW HOW TO APPLY OR NOT WORTH THE EFFORT; too time consuming 5. Don't want additional credit; prefers to avoid using credit -7. *Other 0. Inap. (any credit application in last twelve months: X433^=5 or X434^=5 or X435^=5 or X436^=5 or X437^=5 or X438^=5 or X439^=5 or X440^=5) X407 In the past twelve months, has a particular lender or creditor turned down any request you (or your {husband/wife/partner}) made for credit, or not given you as much credit as you applied for? IF YES, PROBE: Were you turned down, or did you not get as much as you applied for? 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 past twelve months: X433=5 or X434=5 or X435=5 or X436=5 or X437=5 or X438=5 or X439=5 or X440=5;) X408 [Were you later able to obtain the full amount you or your (husband/wife/partner) requested by reapplying to the same institution or by applying elsewhere?/ 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 past twelve months: X433=5 or X434=5 or X435=5 or X436=5 or X437=5 or X438=5 or X439=5 or X440=5; not turned down: X407=5) X7585 [On the most recent occasion, what reasons were you or your (husband/wife/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?)] 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 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/ equity 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 67. Insufficient credit references 69. Other credit characteristics of borrower 70. Bad Credit, n.e.c. 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 81. Lack of familiarity/experience of lender with R; 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, n.f.s. 86. Not eligible for special type of credit (e.g., subsidized education loan) 87. "Discrimination"; references to red-lining, NA basis 88. Inconvenient/difficult (not codable 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 94. Loan too small 95. Unclear title 101. Error in credit report 102. Credit problems of ex-spouse 103. Characteristics of the collateral, n.e.c (e.g., too many rental units in a condominium) 104. Error in processing application 105. Identity theft; fraud -1. None; no reason was given; "bank policy" -7. Other, n.e.c. 0. Inap. (no credit application in past twelve months: X433=5 or X434=5 or X435=5 or X436=5 or X437=5 or X438=5 or X439=5 or X440=5; not turned down: X407=5) ********************************************************* FOR THE PUBLIC DATA SET, CODE 105 IS COMBINED WITH CODE 101 ********************************************************* X409 Was there any time in the past twelve months that you (or your {husband/wife/partner}) thought of applying for credit at a particular place, but changed your mind because you thought you might be turned down? 1. *YES 5. *NO 0. Inap. (no credit application in past twelve months: X433=5 or X434=5 or X435=5 or X436=5 or X437=5 or X438=5 or X439=5 or X440=5;) X7583 [On the most recent occasion, why did you or your (husband/wife/partner) think you might be turned down?/ On the most recent occasion, why did you think you might be turned down?] 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 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/ equity 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 67. Insufficient credit references 69. Other credit characteristics of borrower 70. Bad Credit, n.e.c. 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 81. Lack of familiarity/experience of lender with R; 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, n.f.s. 86. Not eligible for special type of credit (e.g., subsidized education loan) 87. "Discrimination"; references to red-lining, NA basis 88. Inconvenient/difficult (not codable 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 94. Loan too small 95. Unclear title 101. Error in credit report 102. Credit problems of ex-spouse 103. Characteristics of the collateral, n.e.c (e.g., too many rental units in a condominium) 104. Error in processing application 105. Identity theft; fraud -1. None; no reason was given; "bank policy" -7. Other, n.e.c. 0. Inap. (no credit application in past twelve months: X433=5 or X434=5 or X435=5 or X436=5 or X437=5 or X438=5 or X439=5 or X440=5; did not expect to be turned down: X409=5;) ********************************************************* FOR THE PUBLIC DATA SET, CODE 105 IS COMBINED WITH CODE 101 ********************************************************* X305 The next few questions are about the financial institutions where you do business. 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. INTERVIEWER: ACCOUNTS USED ONLY FOR BUSINESS SHOULD NOT BE INCLUDED. INCLUDE INSTITUTIONS USED ONLY FOR CASHING CHECKS. NUMBER: ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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, or brokerage 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 seven institutions have been inferred from an interviewer error, the detailed information (location and how R does business) has been imputed. NUMBER: -1. NONE ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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 data set. (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/seventh) most business?/ What is the name of the financial institution where you and your family living here do the (second/third/fourth/fifth/ sixth/seventh) most business? IF R ASKS WHY WE NEED THE NAME, SAY: I only need to put the name in the computer for the wording of some questions later in the interview. Please feel free to call it anything you like that you will recognize when we come to it again. 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 family living here?) 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) IN PERSON VERSION: X312(#2) (SHOW CARD 5) X316(#3) About (name of institution), what kind of X320(#4) institution is this? (Is it a commercial bank, a savings X324(#5) and loan or savings bank, a credit union, a mortgage X328(#6) company, a finance or loan company, a brokerage, or X332(#7) something else?) TELEPHONE VERSION: About (name of institution), what kind of institution is this? Is it a commercial bank, a savings and loan or savings bank, a credit union, a mortgage company, a finance or loan company, a brokerage, or something else?) (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 AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY 15. Store or other business; dealer; utility company 16. *BROKERAGE; "mutual fund", "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) 17. Insurance company 18. *MORTGAGE COMPANY; mortgage broker 19. Contractor or developer; trailer park owner 20. Prior owner 21. Automobile finance company; GMAC, Ford Credit 22. Doctor or hospital; dentist; veterinarian 23. Lawyer 24. Accountant 25. Employer; former employer 26. Friend or Relative (not codeable above) 27. Individual formal lender/adviser (not codeable above) 28. Pension Administrator 29. *BROAD FINANCIAL SERVICES COMPANY n.e.c. 30. Internet-based businesses, n.e.c. (note: excludes code 101) 31. Real estate (investment) company; includes land trusts 32. School/college/university 33. Local/county/state government (except Courts code 42) 34. Special federal government agency; FMHA, SBA, VA, FHA, HUD, NDSL 35. Federal government general or NA agency; IRS 36. Fiduciary/advisor, n.e.c. 37. Self/spouse/partner (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 43. Collection agency; loan liquidator 44. Cooperative organization; "co-op"; agricultural cooperative lending associations (FCS) 45. Specialized education lender, n.e.c. 46. Family trust; trust fund; charitable remainder trust 47. Fraternal organization 50. Discover card/Novus (for X415 etc. only; "Sears" only, use code 15) 51. American Express/Optima card 52. AT&T card 53. Gasoline company 56. Leasing company 57. Airline, hotel 61. Other membership organization; AAA, NEA, NTA (X415 etc. only) 62. Tribal and similar organizations 75. Foreign institution type 80. Direct student loan, n.e.c. (include references to Stafford, Perkins, Ford, etc. student loans when a more specific institution reference is not available). 81. Nonprofit credit counseling service 85. Ex-spouse 92. Money market (mutual) funds, n.f.s. 93. Farm-related lenders (not codeable above) 94. Investment/management companies or consultants, n.e.c.; include specialized institutions providing private banking and investment services to individuals 95. Non-financial institution (except codes 40-42 and 61) 96. Individual, n.e.c. 101. Internet-based or other bill paying service -1. *NO FINANCIAL INSTITUTIONS LISTED -7. *A PERSON OR OTHER NON-INSTITUTION 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 institutions: X8300<6/fewer than 7 institutions: X8300<7) ********************************************************* FOR THE PUBLIC DATA SET, CODES 42, 43 AND 81 ARE COMBINED WITH CODE 95; CODES 39, 40, 41, AND 62 ARE COMBINED WITH CODE 61; CODES 23 AND 36 ARE COMBINED WITH CODE 24; CODES 33 AND 34 ARE COMBINED WITH CODE 35; CODES 50, 51, 52, AND 53 ARE COMBINED WITH CODE 38; CODE 29 IS COMBINED WITH CODE 11; CODE 101 IS COMBINED WITH CODE 30 ********************************************************* NOTE: CARD 5 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." NOTE: Throughout the codebook, there are variable which are labeled "Recode: type of institution". In these locations, the preceding question asks the respondent whether the institution where a loan/account is held is the same as one of the ones originally recorded in the sequence here. If it was one of these, the interviewer entered a link to the appropriate institution. If it was a new institution and there were fewer than seven institutions already listed, the interviewer was instructed to follow a procedure to add the institution to the existing list of institutions. Once seven institutions were recorded in the list, the interviewer could either link to an institution that had already been recorded or code an institution type (e.g., commercial bank). For the cases where a link was made to one of the listed institutions, the recode variable contains a code for the institution type obtained from matching to the sequence of variables described here. Where the institution was one that was outside the scope of the list, the recode variable contains a code for the institution type as asked directly from the respondent. NOTE: Examination of the data suggests that a relatively small number of respondents reported that their mortgage institution was a finance company and some others reported that it was a brokerage. Examination of the name of the institution, which is available for most cases in a non-public internal data set, suggests that the respondent misclassified a mortgage company or mortgage broker. X7036(#1) OFFICES IN MORE THAN ONE STATE. ANSWER DETERMINED BY MATCHING X7038(#2) VERBATIM ANSWER FROM RESPONDENT TO THE NIC DATABASE OF FINANICAL X7040(#3) INSTITUIONS X7042(#4) X7044(#5) 1. *YES X7046(#6) 5. *NO X7048(#7) 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 institutions: X8300<6/fewer than 7 institutions: X8300<7) X310(#1) DISTANCE BETWEEN RESPONDENT AND NEAREST INSTITUTION BRANCH. X314(#2) CALCULATED BY APPLYING THE HAVERSINE METHOD TO THE X318(#3) LATITUDES AND LONGITUDES OF THE CENTER OF THE RESPONDENT'S X322(#4) CENSUS TRACT AND NEAREST BRANCH X326(#5) X330(#6) -1. Less than half a mile X334(#7) -6. No distance calculated due to institution type 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 institutions: X8300<6/fewer than 7 institutions: X8300<7) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PAYMENT METHODS AND CREDIT CARDS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X7592 Have you (or anyone in your family living here) written a paper check to make a payment in the past 12 months? 1. *YES 5. *NO X7593 Online banking is a method of accessing a financial account using the Internet to check your account balance, view recent transactions, transfer money, or pay bills. Have you (or anyone in your family living here) used online banking in the past 12 months? INCLUDE ACCESSING ACCOUNTS THROUGH MOBILE DEVICES SUCH AS CELL PHONES AND TABLETS. 1. *YES 5. *NO X7122 (Do you have any money automatically deposited directly into your account?/Do you have any money automatically deposited directly into one of your accounts?/ Do you or someone in your family living here have any money automatically deposited directly into your family's account?/ Do you or someone in your family living here have any money automatically deposited directly into one of your family's accounts?) INCLUDE DIRECT DEPOSIT OF SOCIAL SECURITY OR OTHER GOVERNMENT BENEFITS. (IF R ASKS, DO NOT INCLUDE INTEREST PAID ON THE ACCOUNT.) 1. *YES 5. *NO X7123 X7124 X7563 X6858 X6859 X6912 X7125 X6913 X6914 What types of deposits are these? What types of deposits are these: paychecks, Social Security benefits, or other types of deposits? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. X7123: *PAYCHECK; Other income from work (e.g., consulting fees); reimbursements for work expenses X7124: *SOCIAL SECURITY OR DISABILITY; VA Bisability; Railroad Retirement X7563: *SUPPLEMENTAL SECURITY INCOME (SSI), FOOD STAMPS (SNAP), WELFARE, OR OTHER GOVERNMENT BENEFITS X6858: *OTHER PENSION OR OTHER RETIREMENT INCOME; IRA/Keogh withdrawals; annuity income X6859: *INVESTMENT INCOME; royalty or trust income X6912: *TRANSFER TO ONE OF PEU'S ACCOUNTS FROM ANOTHER PEU ACCOUNT X7125, X6913, X6914: *OTHER 1. Checked (any except X7125/X6913/X6914) 4. Disability payments; VA disability benefits (only X7125/X6913/X6914) 5. Not checked (any) 6. Supplemental Security Income (SSI) and other types of welfare (only X7125/X6913/X6914) 8. Automatic payments on loans made by R (i.e., loans from which R receives income) (only X7125/X6913/X6914) 10. Alimony/support; other support from family members (only X7125/X6913/X6914) 13. Insurance reimbursement (only X7125/X6913/X6914) 15. Tax refund (only X7125/X6913/X6914) 16. Government payments (not classified elsewhere) (only X7125/X6913/X6914) 17. Periodic settlement of legal claim, estate, lottery, or other such obligation, n.e.c. (only X7125/X6913/X6914) 18. Reimbursement from "flexible spending account" (only X7125/X6913/X6914) 22. Disbursements from loans (only X7125/X6913/X6914) -7. Other 0. Inap. (no automatic deposits: X7122^=1) X7126 Some people have their utility or insurance bills, mortgage or rent payments, or other payments automatically deducted from their accounts without having to write a check or direct the payment using the internet or the phone. Do you (or anyone in your family living here) make any regular payments automatically? DO NOT INCLUDE PAYROLL DEDUCTIONS, SUCH AS DEDUCTIONS FOR HEALTH INSURANCE. 1. *YES 5. *NO Now I have some questions about the types of cards that people have for making payments or accessing financial accounts. X7594 A reloadable prepaid debit card is not linked to a bank or credit union account, but you or someone else, like a relative, or a government agency, can add money onto this card. You can use it to make purchases and pay bills where credit cards are accepted. Do you (or anyone in your family living here) have any prepaid debit cards? IF ASKED: INCLUDE PAYROLL CARDS FOR WAGES OR SALARY IF ASKED: DO NOT INCLUDE DIRECT EXPRESS CARDS, ELECTRONIC BENEFIT TRANSFER CARDS (EBT), OTHER GOVERNMENT BENEFIT CARDS, PHONE CARDS, GIFT CARDS FOR A PARTICULAR STORE OR SERVICE OR CARDS THAT YOU CANNOT ADD MORE MONEY ONTO. 1. *YES 5. *NO X7648 Do you (or anyone in your family living here) have a government benefit card such as a Direct Express card, or an Electronic Benefit Transfer (EBT) card for WIC or Food Stamps? 1. *YES 5. *NO X7582 Do you (or anyone in your family living here) have an ATM or debit card? INCLUDE ATM CARDS USED AS DEBIT CARDS AS WELL AS VISA/MASTERCARD/AMERICAN EXPRESS BRANDED DEBIT CARDS. WE CARE ABOUT WHETHER R HAS SUCH A CARD, NOT WHETHER R USES IT. DO NOT INCLUDE GOVERNMENT BENEFIT CARDS THAT HAVE ALREADY BEEN REPORTED. DO NOT INCLUDE RELOADABLE PREPAID DEBIT CARDS NOT LINKED TO A BANK OR CREDIT UNION ACCOUNT THAT HAVE ALREADY BEEN REPORTED. 1. *YES 5. *NO Now I have some questions about credit cards and charge cards. X7973 Do you (or anyone in your family living here) have a credit card such as a Visa, MasterCard, Discover, or American Express card that allows you to carry a balance from month to month that you can pay off over time? IF ASKED: INCLUDE STORE-BRANDED, AIRLINE-BRANDED, AND OTHER BRANDED VISA, MASTERCARD, DISCOVER AND AMEX ACCOUNTS. DO NOT INCLUDE DEBIT CARDS. DO NOT INCLUDE CARD USED ENTIRELY FOR BUSINESS. 1. *YES 5. *NO X7974 Do you (or anyone in your family living here) have a company or store branded credit card tha can only be used at the specific merchant labeled on the card? DO NOT INCLUDE CARDS USED ENTIRELY FOR BUSINESS. 1. *YES 5. *NO X7976 Do you (or anyone in your family living here) have an American Express, Diners Club, or other charge card that must be completely paid off at the end of each billing period? INCLUDE AMERICAN EXPRESS CHARGE (NOT CREDIT) CARDS. DO NOT INCLUDE CARDS USED ENTIRELY FOR BUSINESS. 1. *YES 5. *NO ********************************************************* EDIT CHECK: If R reports AmEx as a credit card institution and AmEx/Diners as a separate type of card: IF (X415/X416/X417/X418/X7500/X6648/ X6649/X6720 = 51) AND (X7976 = YES) CAPI text displayed: ATTENTION: R ALSO REPORTED A BANK-TYPE CREDIT CARD WITH AMERICAN EXPRESS. PLEASE CONFIRM THAT: 1. THEY ARE TWO DIFFERENT CARDS 2. THAT THE ONE REPORTED HERE IS A "REGULAR" AMEX CARD IF THE CARD IS NOT A "REGULAR" AMEX CARD OR A DINERS OR CARTE BLANCHE CARD, BACK UP ONE SCREEN AND CHANGE THE ANSWER TO "NO". OTHERWISE, COMMENT NOW OR LATER: COMMENT LATER COMMENT NOW ********************************************************* X411(#1) How many? X419(#2) Please do not count duplicate cards for the same account or X425(#3) any business or company accounts. INCLUDE ALL THE FAMILY'S CARDS, NOT JUST THE CARDS USED MOST OFTEN. DO NOT INCLUDE GIFT CARDS. NUMBER OF ACCOUNTS: 0. Inap. (no cards of type) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, THE NUMBER OF #1/2 CARDS IS TOP-CODED AT 10 AND THE NUMBER OF #3/4 CARDS IS TOP-CODED AT 5 ********************************************************* At this point, a card reconciliation screen shows the FI the respondent's answers to X7594, X7582, X411, X419, and X425 (Y/N to prepaid card, Y/N to ATM/debit card, number of credit cards, number of store branded cards, number of charge cards) and asks the respondent to confirm their responses. The reconciliation screen allows the FI to change the Yes/No response or number of cards for these five questions if any mistakes have been made. X412(#1) Thinking about the [number from (X419/X411/X425)] (credit/ X420(#2) company or store branded/charge) card(s) (you have/your family X426(#3) has): On your last bill(s), how much were the new charges made to (this account/these accounts)? IF R DID NOT RECEIVE A BILL LAST MONTH, CODE ZERO. $ AMOUNT: -1. None 0. Inap. (no cards of type) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X413(#1) After the last payment(s) (was/were) made, what was the total X421(#2) balance still owed on (this account/all these accounts)? X427(#3) WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT. CODE ZERO IF ALL ACCOUNTS WERE PAID IN FULL. $ AMOUNT: -1. None 0. Inap. (no cards of type) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X414(#1) What is the maximum amount you could borrow on (this account/ all of these accounts); that is, what is your total credit limit? For credit cards: WE WANT THE TOTAL CREDIT LIMIT, NOT JUST THE AMOUNT OF REMAINING CREDIT AVAILABLE $ AMOUNT: -1. No limit 0. Inap. (no cards of type) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount of new charges or balance still owed is greater than the credit limit: IF (X412|X413) > X414 CAPI text displayed: ATTENTION: AMOUNT OF NEW CHARGES ON CREDIT CARDS IS X412 BUT CREDIT LIMIT IS X414. PROBE TO CHECK THAT CREDIT LIMIT IS NOT REMAINING CREDIT AVAILABLE. ATTENTION: BALANCE ON CREDIT CARDS IS X413 BUT CREDIT LIMIT IS X414. PROBE TO CHECK THAT CREDIT LIMIT IS NOT REMAINING CREDIT AVAILABLE. If the amount of new charges and balance still owed is greater than the credit limit: IF (X412 & X413) > X414 CAPI text displayed: ATTENTION: AMOUNT OF NEW CHARGES ON CREDIT CARDS IS X412 AND BALANCE ON CREDIT CARDS IS X413. BOTH ARE GREATER THAN CREDIT LIMIT OF X414. PROBE TO CHECK THAT CREDIT LIMIT IS NOT REMAINING CREDIT AVAILABLE. COMMENT LATER COMMENT NOW ********************************************************* 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. IF RATE IS FOR A LIMITED-TIME, MAKE AN [F2] COMMENT. PERCENT * 100: -1. No interest 0. Inap. (no cards of type) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X415 X416 X417 X418 X7500 X6648 X6649 X6720 (#1 only) Please look at the list of institutions you wrote down. (Is this/Are these) credit (card/cards) with any of the institutions on the list, or from someplace else? IF INSTITUTIONS LIST: Which institution? IF "SOMEPLACE ELSE": (What institution is that?/ What type of institution is that?) Please look at the Institutions Card. (Is this credit card/Are these credit cards) with any of the institutions on the Institutions Card, or from someplace else? IF INSTITUTIONS CARD: Which institution? IF "SOMEPLACE ELSE": (What institution is that?/ What type of institution is that?) CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN. See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 15, 50, 51, 53, 61 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 15. *STORE OR OTHER BUSINESS 50. *DISCOVER/NOVUS ("Sears" only, use code 15) 51. *AMERICAN EXPRESS (OPTIMA/BLUE/PAY OVER TIME) 53. *GASOLINE COMPANY 61. *MEMBERSHIP ORG.; AAA, NEA, NTA -7. *OTHER 0. Inap. (/no further responses; no cards that can pay off over time: X7973^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9082 X9151 X9152 X9153 X9202 X9216 X9221 X9222 (#1 only) Recode: type of institution See MASTER INSTITUTION LIST for codes (See X308) 0. Inap. (/no further responses; no cards that can pay off over time: X7973^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X432 Thinking only about Visa, MasterCard, Discover, American Express cards you can pay off over time, 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 store cards or cards that can pay off over time: X7973^=1 and X7974^=1) X7577 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 (or your family living here) have any charge or revolving charge accounts at stores where you owed money after your last payment? DO NOT INCLUDE ACCOUNTS WHERE R DOES NOT OWE MONEY. 1. *YES 5. *NO X7576 How many such accounts do you (or your family living here) have where you owe money? NUMBER OF ACCOUNTS: 0. Inap. (no accounts: X7577=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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? WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT. $ AMOUNT: 0. Inap. (no accounts: X7577=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X501 IN PERSON VERSION: INTERVIEWER OBSERVATION: WHERE DOES R LIVE? UNLESS OBVIOUS, ASK: Do you live on a farm or ranch, in a mobile home, in a house or apartment, or in some other type of home? IF R LIVES IN ANY STRUCTURE ON A FARM/RANCH, CODE FARM OR RANCH WHERE DOES R LIVE? 2. *R LIVES IN A MOBILE HOME/RV 3. *R LIVES IN HOUSE/TOWNHOUSE/APARTMENT/OTHER 4. *R LIVES ON A RANCH 5. *R LIVES ON A FARM X6770 How many years have you (or any adult in your current household) lived within about 25 miles of your current home? INTERVIEWER: IF R HAS LIVED IN THIS LOCATION MORE THAN ONCE, CONSIDER THE MOST RECENT TIME. NUMBER OF YEARS: -1. *LESS THAN A YEAR -2. *ENTIRE LIFE ********************************************************* IF ANSWERING IN YEARS: ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 95 THEN IF 95 SET TO -2 ********************************************************* X7136 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. 0. NO CHANCE OF STAYING (Recoded to -1) 10. 20. 30. 40. 50. 50-50 CHANCE 60. 70. 80. 90. 100. ABSOLUTELY CERTAIN TO STAY NOTE: CARD 6 contains the following information: The numbers 0, 10, 20, ..., 100 in a horizontal 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." X7052 NON-HOMEOWNERS: Did you (or your husband/wife/partner) ever own your home in the past? HOMEOWNERS: Have you (or your [husband/wife/partner]) ever owned a home before this one? 1. *YES 5. *NO ----------------------------------------------------------------------------- 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 you rent or rent out to others? INCLUDE ALL ACREAGE IN NON-CONTIGUOUS PIECES OF LAND THAT ARE USED AS A PART OF THE FARM/RANCH OPERATION. ACRES: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 5 IF BETWEEN 10 AND 100 INCLUSIVE, OTHERWISE IF > 100 ROUNDED TO NEAREST 10 WITH A TOP-CODE AT 1000 ********************************************************* X503 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/ranch: X501^=(4, 5)) X504 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/ranch: X501^=(4, 5)) X505 How much rent do you collect? $ AMOUNT: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not rent out part of property: X504^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X506 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -1. No rent collected -7. *Other 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not rent out part of property: X504^=1) What part of this property is used for (farm/ranch)ing? X507 PERCENT * 100: 9995. *Almost all -1. *Very little 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7574 ACREAGE: -1. Very little 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X502: CANNOT BE GREATER THAN TOTAL ACREAGE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X508 What is the legal ownership status of this (farm/ranch)? Do you (or your family living here) own this (farm/ranch), do you own part of it, do you rent it, is it all owned by a business, or another arrangement? DO NOT CODE 'OTHER' IF R OWNS ANY PART. IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP, TREAT IT AS OWNED BY THEM. 1. *Owns all 2. *Owns only part 3. *Rents/Leases all 4. *Owned by a business 5. *Sharecropper -7. *Other 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1) R OWNS ALL X509 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/ranch: X501^=(4, 5); 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 (or your family living here) collect? $ AMOUNT: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X511 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -7. *Other 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); 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. $ AMOUNT: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1; R does not own all of farm/ranch: X508^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the value of all of the land and buildings is less than 5000: IF X513 < 5000 CAPI text displayed: ATTENTION: CURRENT VALUE OF FARM/RANCH IS LESS THAN $5000. CONFIRM THIS IS CORRECT WITH R. COMMENT LATER COMMENT NOW ********************************************************* OWNED BY A BUSINESS X514 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/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1; farm/ranch not owned by a business: X508^=4) In what month and year did you move into this (farm/ranch)? X515 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/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1; farm/ranch not owned by a business: X508^=4) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X516 YEAR: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1; farm/ranch not owned by a business: X508^=4) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* R OWNS PART X517 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/ranch: X501^=(4, 5); 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 (or your family living here) collect? $ AMOUNT: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X519 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -7. *Other 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); 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 (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/ranch: X501^=(4, 5); 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 (or your family living here) pay? $ AMOUNT: -1. None 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X522 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -7. *Other 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); 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 (and your family living here) personally own. About what percent of the total property is that? X523 PERCENT * 100: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7573 ACRES: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X502: CANNOT BE GRATER THAN TOTAL ACREAGE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X526 Could you tell me the current value of the entire part of the land and buildings you own? I mean, what would it bring if it were sold today? Do not include any farm animals, implements or crops. INCLUDE BOTH ACREAGE OWNED INDIVIDUALLY AND ACREAGE CO-OWNED WITH OTHERS OUTSIDE THE PEU. $ AMOUNT: 0. Inap. (R does not live on farm/ranch: X501^=(4, 5); R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the current value of the entire part of the land and buildings is less than 5000: IF X526 < 5000 CAPI text displayed: ATTENTION: CURRENT VALUE OF FARM/RANCH IS LESS THAN $5000. CONFIRM THIS IS CORRECT WITH R. COMMENT LATER COMMENT NOW ********************************************************* ----------------------------------------------------------------------------- R LIVES IN MOBILE HOME ----------------------------------------------------------------------------- X601 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 another arrangement? IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP, TREAT IT AS OWNED BY THEM. RENTING AND AN NPEU: DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU. 1. *Own both home and site 2. *Own only site 3. *Own only home 4. *Rent both -7. *Neither own nor rent 0. Inap. (R does not live in MH: X501^=2) RENTS HOME, OWNS SITE X602 How much rent do you pay on this home? If household rents and there is an NPEU: NPEU IN THIS HOUSEHOLD: DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU. IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE NOTE. INCLUDE ANY FEES FOR PARKING WITH RENT. $ AMOUNT: -1. None 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X603 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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? $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* In what month and year did you purchase the site? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) X605 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X606 YEAR: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* X608 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.) $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NEITHER OWNS NOR RENTS MH X609 How is that? 1. Housing is part of job compensation; live-in servant; house-keeper; gardener; farm laborer; military; minister; etc. 2. Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes/fees 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporary quarters while home is under construction 6. Public Housing; charity 8. Living in home of relatives/friends without paying rent; include list sample R "home from school" 9. House owned by trust or family business 10. Property owned by tribal association and R has lifetime rights to residence; other such communal residence rights where R has no equity interest 12. R is a part-owner 13. Not paying rent, n.e.c. 14. Home foreclosed, has not moved yet -7. Other 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=-7) ********************************************************* FOR THE PUBLIC DATA SET, CODES 9 AND 10 ARE COMBINED WITH CODE -7; CODES 4 AND 8 ARE COMBINED WITH CODE 2; CODE 14 IS COMBINED WITH CODE 13 ********************************************************* In what month and year did you move into this mobile home? X610 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X611 YEAR: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=-7) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* OWNS HOME, RENTS SITE X612 How much rent do you pay on this site? If household rents and there is an NPEU: NPEU IN THIS HOUSEHOLD: DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE NOTE. INCLUDE ANY FEES FOR PARKING WITH RENT $ AMOUNT: -1. None 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X613 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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? $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* In what month and year did you purchase this mobile home? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) X615 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X616 YEAR: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* X618 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. $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* RENTS HOME AND SITE X619 How much rent do you pay on this home and site? If household rents and there is an NPEU: NPEU IN THIS HOUSEHOLD: DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU. IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE NOTE. INCLUDE ANY FEES FOR PARKING WITH RENT. $ AMOUNT: -1. None 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=4) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X620 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X622 YEAR: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=4) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* 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? $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) X625 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X626 YEAR: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* X628 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. $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* In what month and year did you purchase this site? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) X629 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X630 YEAR: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* X632 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 IF R PURCHASED: How much did this site cost when you originally acquired it? IF GIFT/INHERITANCE: What was the value when you received this site? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchases separately: X624^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* In what month and year did you purchase this mobile home and site? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) X633 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X634 YEAR: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site purchased separately: X624=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* X636 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. $ AMOUNT: 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site purchased separately: X624=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- R LIVES IN HU OTHER THAN FARM/RANCH OR MOBILE HOME ----------------------------------------------------------------------------- X701 Now I have some questions about your home. Do you (and your family living here) own this (house and lot/apartment/ranch/farm), do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or something else? IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP, TREAT IT AS OWNED BY THEM. NPEU IN THIS HOUSEHOLD: IF OWNERSHIP IS SHARED WITH NPEU, CODE "OWNS ONLY PART". IF NPEU OWNS ALL, CODE "Neither owns nor rents" OR "Pays rent". 1. *Owns or is buying/land contract 2. *Pays rent 3. *Condo 4. *Co-op 5. *Townhouse Association 6. *Retirement Lifetime Tenancy 8. *OWNS ONLY PART -7. *Neither owns nor rents 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) ********************************************************* CRITICAL VARIABLE: If the home ownership is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: Homeownership is a critical detail in family finances. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND CHANGE OWNERSHIP ********************************************************* 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; military; minister; etc. 2. Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes/fees 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporary quarters while home is under construction 6. Public Housing; charity 8. Living in home of relatives/friends without paying rent; include list sample R "home from school" 9. House owned by trust or family business 10. Property owned by tribal association and R has lifetime rights to residence; other such communal residence rights where R has no equity interest 12. R is a part-owner 13. Not paying rent, n.e.c. 14. Home foreclosed, has not moved yet -7. Other 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=(4, 5) and X503=1; some living arrangement other than neither owns nor rents: X701^=-7) ********************************************************* FOR THE PUBLIC DATA SET, CODES 9 AND 10 ARE COMBINED WITH CODE -7; CODES 4 AND 8 ARE COMBINED WITH CODE 2; CODE 14 IS COMBINED WITH CODE 13 ********************************************************* X7133 (Do you/Does anyone in your family living here) own any part of this (house and lot/apartment/farm/ranch)? 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, 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 (and your family living here) own? PERCENT * 100: 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=(4, 5) and X503=1; some living arrangement other than neither owns nor rents or owns only part: X701^=(-7, 8); R does not own any part: X7133=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* In what month and year did you move into this home? X706 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 owns any part: X7133^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X707 YEAR: 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 owns any part: X7133^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* RENTS HOME (INCLUDES FARM WITH NO FARM BUSINESS/RENTED FARM) X708 How much rent do you (or your family living here) pay for this (farm/ranch/house/apartment)? IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE NOTE. DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU INCLUDE ANY FEES FOR PARKING WITH RENT. If household rents and there is an NPEU: NPEU IN THIS HOUSEHOLD: DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU $ 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, 5) and X503=1 and X508^=3; some living arrangement other than rents: X701^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X709 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -7. *Other 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=(4, 5) and X503=1 and X508^=3; some living arrangement other than rents: X701^=2) X710 Does the rent 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, 5) and X503=1 and X508^=3; some living arrangement other than 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: X701^=2) In what month and year did you move into this (ranch/farm/house/apartment)? X712 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, 5) and X503=1 and X508^=3; some living arrangement other than rents: X701^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X713 YEAR: 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=(4, 5) and X503=1 and X508^=3; some living arrangement other than rents: X701^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* 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, 5) and X503=1; some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) X703 CO-OP: How much are your fees? Please do not include any property taxes included with your payment--I will ask about the taxes in a moment. IF R CANNOT SEPARATE PROPERTY TAXES FROM THE REMAINDER OF THE CO-OP FEE, MAKE A NOTE. ALL OTHERS: How much are your fees? $ AMOUNT: 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=(4, 5) and X503=1; some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no fees: X7572^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X704 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -7. *Other 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=(4, 5) and X503=1; some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) 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, 3, 4, 5, 6, 8) and X7133^=1) X714 Do you (and your family living here) own the entire building or just your unit? IF R OWNS MULTIPLE UNITS, BUT NOT THE WHOLE BUILDING, CODE 'JUST R'S UNIT' AND INCLUDE ADDITIONAL UNIT LATER AS OTHER REAL ESTATE. 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, 5) and X503=1; some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; does not live in multiple HU structure: X702=5) X715 How many housing units are in this building? 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, 3, 4, 5, 6) and X7133^=1; does not live in multiple HU structure: X702=5; does not own entire building: X714^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [2,...,99999] IF < 2 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 100 ********************************************************* 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, 5) and X503=1; some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; does not live in multiple HU structure: X702=5; does not own entire building: X714^=1) X716 OWN UNIT ONLY: The following questions about your home refer to your unit only. OWN BUILDING: The following questions refer to the entire building. OWNS ONLY PART: As we continue, please tell me about only the share you (and your family living here) own and your share of any loans against the property What is the current value of this (home and land/apartment/property)? I mean, without taking any outstanding loans into account, 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. IF LIFETIME TENANCY: How much would you get if you gave up your rights to remain there? IF THE ONLY VALUE IS AN AMOUNT TO BE RETURNED TO R'S HEIRS AT THE TIME OF DEATH, RECORD THAT VALUE. IF THERE IS NO VALUE UNDER ANY CIRCUMSTANCES, RECORD ZERO DOLLARS. 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. $ AMOUNT: -1. No value, lifetime tenancy 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=(4, 5) and X503=1; some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the current value of the house is less than 5000: IF X716 < 5000 CAPI text displayed: ATTENTION: CURRENT VALUE OF HOUSE IS LESS THAN $5000. CONFIRM THIS IS CORRECT WITH R. COMMENT LATER COMMENT NOW ********************************************************* NOTE: where X7133=YES (R neither owns nor rents, but owns part of the property), the amount here has been adjusted to reflect the value of the entire property. In what month and year did you first purchase any part of this property? (IF GIFT/INHERITANCE, ASK: What was the value when you received if?) X719 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, 5) and X508^=(1, 2); some living arrangement other than owns: X701^= (1, 3, 4, 5, 6, 8) and X7133^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X720 YEAR: 0. Inap. (R lives in MH: X501=2; R lives on farm and farm not owned at least in part: X501=(4, 5) and X508^=(1, 2); some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* X718 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, 5) and X508^=(1, 2); some living arrangement other than owns: X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) (ALL OWNERS EXCEPT MH) X717 IF R PURCHASED: How much did it cost when you originally acquired it? IF GIFT/INHERITANCE: What was the value when you received it? IF PROPERTY WAS PURCHASED SEPARATELY, WE WANT THE TOTAL COST OF LAND AND HOUSE. INCLUDE RENOVATION AND CONSTRUCTION COSTS INCURRED BEFORE R MOVED IN. $ AMOUNT: 0. Inap. (R lives in MH: X501=2; R owns neither farm nor other type of dwelling: X508^=(1, 2) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* (ALL TYPES OF OWNERS) X721 What are the real estate taxes on (this home and land/ this land/this home/this farm/this ranch/the part of the ranch you own/the part of the farm you own/this property)? IF R DOES NOT LIVE IN CONDO OR CO-OP OR IS NOT REQUIRED TO PAY REGULAR FEES, ADD: INTERVIEWER: IF R'S COOP/CONDO ASSOCIATION PAYS ALL THE TAXES FROM THE COOP/CONDO FEES, ENTER ZERO HERE IF R LIVES IN CO-OP, ADD: IF CO-OP FEES INCLUDE TAXES AND R CANNOT SEPARATE THE TAXES, ENTER ZERO AND MAKE A NOTE. $ AMOUNT: -1. None 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X722 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 20. Five times a year; every 10 weeks 22. Varies 25. Every 2 years 31. *Twice a month -1. None -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) ********************************************************* EDIT CHECK: If the monthly real estate taxes are greater than one percent of the house value: PTAX=X721(monthly) IF (PTAX/X716) > .01 CAPI text displayed: ATTENTION: UNUSUALLY HIGH PROPERTY TAX RATE: PTAX PER Month. DOES THIS INCLUDE OTHER PAYMENTS? COMMENT LATER COMMENT NOW ********************************************************* X723 Is there a mortgage or land contract on this (home/home and land/apartment/property)? IF YES, SAY: Please do not include home equity loans or lines of credit. INTERVIEWER: IF R SAYS BOTH MORTGAGE AND LAND CONTRACT, CHOOSE MORTGAGE. IF R SAYS REVERSE ANNUITY MORTGAGE, CODE MORTGAGE AND MAKE A NOTE [F2]. 1. *Yes, mortgage 2. *Yes, land contract; other lease-purchase agreement 5. *No 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) X830 Do you have another mortgage or a land contract on this property? IF YES, SAY: Please do not include 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; other lease-purchase agreement 5. *No 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723=5) X931 Do you have any (other) loans that use this property as collateral? IF YES, SAY: 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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 loan, such as an FHA or VA mortgage? FANNIE MAE AND FREDDIE MAC SHOULD NOT BE INCLUDED AS FEDERALLY GUARANTEED. 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723=5; land contract: X723=2) X726(#1) Is it an FHA mortgage, a VA mortgage, or is it from some other program? 1. *FHA (Federal Housing Administration) 2. *VA (Veteran's Administration) 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723=5; land contract: X723=2; not federally guaranteed: X724^=1) ********************************************************* FOR THE PUBLIC DATA SET, CODE 4 IS COMBINED WITH CODE 5; CODES 2, 3, 10, AND 11 ARE COMBINED WITH CODE 12 ********************************************************* X727(#1) Why did you choose this type 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" 30. Special features for first-time home buyers 80. No Choice, NEC 81. Used before, always use 83. Recommended 85. Home inspection policy 90. Assumed or assumable; seller-financed -7. Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723=5; land contract: X723=2; not federally guaranteed: X724^=1) X725(#1) Private mortgage insurance, or PMI, protects lenders against default. Does your mortgage currently carry PMI? (IF YES: DO NOT INCLUDE MORTGAGE LIFE INSURANCE OR HOMEOWNERS INSURANCE.) 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723=5; land contract: X723=2; federally guaranteed: X724=1) About your current (mortgage/land contract/loan), in what month and year did you obtain or last refinance it? IF R ASSUMED/REFINANCED THE LOAN, RECORD THE DATE ASSUMED/REFINANCED. X801(#1) 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no mortgage: X723=5/ no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X802(#1) YEAR: X902(#2) 0. Inap. (does not own any part of HU: X508^=(1, 2) X1002(#3) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no mortgage: X723=5/ no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X801/X901/X1001, X802/X902/X1002 < X719,X720: LOAN/REFINANCE BEFORE PURCHASE DATE ERROR MESSAGE IF X601=2 AND X801/X901/X1001, X802/X902/X1002 < X605,X606: LOAN/REFINANCE BEFORE PURCHASE DATE ERROR MESSAGE IF X601=3 AND X801/X901/X1001, X802/X902/X1002 < X615,X616: LOAN/REFINANCE BEFORE PURCHASE DATE ERROR MESSAGE IF X601=1 AND X801/X901/X1001, X802/X902/X1002 < X633,X634: LOAN/REFINANCE BEFORE PURCHASE DATE ERROR MESSAGE IF X601=1 AND X624=1 AND X801/X901/X1001, X802/X902/X1002 < MIN(X626,X630): LOAN/REFINANCE BEFORE PURCHASE DATE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-30 AND TOP-CODED AT 2016 ********************************************************* X803(#1) Was this (mortgage/land contract/second mortgage) X903(#2) assumed from the previous owner? 1. *YES 5. *NO 0. Inap. (does not own any part of HU or owns only mobile home and not site: X508^=(1, 2) and X601^=(1, 2) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no mortgage: X723=5/ no second mortgage: X830^=1) X7137(#1) Did you take out this (mortgage/loan) 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. *Or to do both? 4. *ORIGINALLY PAID CASH AND TOOK OUT LOAN LATER; no mortgage when loan taken out; bought land without a loan, took out construction loan later 8. Assumed mortgage when inherited the house 0. Inap. (does not own any part of HU or owns only mobile home and not site: X508^=(1, 2) and X601^=(1, 2) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; land contact: X723=2; no mortgage: X723=5; year of mortgage same as year of purchase: X802= one of X606, X611, X616, X630, X634, or X720) X7138(#1) How much additional money did you borrow? INTERVIEWER: WE WANT THE AMOUNT THAT R BORROWED NET OF CLOSING COSTS AND THE AMOUNT REFINANCED. $ AMOUNT: 0. Inap. (does not own any part of HU or owns only mobile home and not site: X508^=(1, 2) and X601^=(1, 2) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; land contact: X723=2; no mortgage: X723=5; year of mortgage same as year of purchase: X802= one of X606, X611, X616, X630, X634, or X720; did not borrow additional money: X7137^=(2, 3);) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6723(#1) For what purpose was the money used? MASTER LOAN PURPOSE LIST 1. Own home purchase/construction 3. Home improvements or additions (incl. assessments for sewer/sidewalk, etc.) 4. Home repairs/maintenance/upkeep 10. Car, including repossessed car 11. Refrigerator 12. Stove/range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner; furnace 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. Vacuum cleaners 23. Home computer; calculator; cellphone; smartphone 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); satellite dish 49. Other small/indoor hobby, recreation, 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. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; RV, n.f.s. 67. Cottage; vacation property; mobile homes -- seasonal residence (if current residence, code 01); "motor home"; second home 69. Other outdoor recreation items; horse 74. Invest in own business 75. "Business investment" (exc. 74), incl. businesses now defunct 76. Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment", n.f.s. 78. Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 74); vacation property 79. To have cash reserve 80. Divorce/separation expenses 81. Travel/vacation expenses 82. Medical/dental/veterinary expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals/other "occasions" 86. Legal judgment against R; money owed on overpayment of benefits 88. Moving expenses 89. Other special expenses; encyclopedia; health membership 90. "Personal loan"--NA what for 91. Bill/debt 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" 97. Charitable or political contributions -7. Other (including combinations) 0. Inap. (does not own any part of HU or owns only mobile home and not site: X508^=(1, 2) and X601^=(1, 2) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; land contact: X723=2; no mortgage: X723=5; year of mortgage same as year of purchase: X802= one of X606, X611, X616, X630, X634, or X720; additional money not taken out on loan: X7137^=(2, 3, 4);) ********************************************************* THE FOLLOWING NEW CATEGORIES HAVE BEEN CREATED FOR THE PUBLIC DATA SET: IF (loan purpose type=1 or 67) THEN newcode=1; ELSE IF (loan purpose type=3 or 4) THEN newcode=2; ELSE IF (loan purpose type=10 or 24) THEN newcode=3; ELSE IF (loan purpose type=11, 12, 13, 14, 15, 16, 17, 18, 20, 25, 26, or 29) THEN newcode=4; ELSE IF (loan purpose type=23, 31, 34, 35, 36, 49, 50, or 69) THEN newcode=5; ELSE IF (loan purpose type=61, 63, or 65) THEN newcode=6; ELSE IF (loan purpose type=74, 75, 76, 78, or 79) THEN newcode=7; ELSE IF (loan purpose type=80, 81, 85, 88, or 89) THEN newcode=8; ELSE IF (loan purpose type=82 or 83) THEN newcode=9; ELSE IF (loan purpose type=84, 86, 90, 91, 92, 93, 94, 95, 96, or 97) THEN newcode=10; ********************************************************* X804(#1) What was the amount of the land contract when you took it out? X904(#2) X1004(#3) Including both the amount refinanced and the additional borrowing, how much did you borrow? How much did you refinance or rollover? How much did you borrow or refinance? IF R HAS REVERSE ANNUITY MORTGAGE, THE AMOUNT BORROWED IS THE TOTAL AMOUNT RECEIVED TO DATE. $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the additional amount borrowed is greater than or equal to the amount borrowed: IF X7138 > X804 CAPI text displayed: ATTENTION: R REPORTED EXTRACTING ADDITIONAL EQUITY, BUT AMOUNT EXTRACTED OF X7138 SAME OR LARGER THAN AMOUNT BORROWED OF X804. COMMENT LATER COMMENT NOW ********************************************************* X805(#1) What is the amount still owed on the land contract? X905(#2) X1005(#3) How much is still owed on this loan? $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6) and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount owed is greater than the amount borrowed: IF X805 > X804: CAPI test displayed: ATTENTION: AMOUNT OWED IS GREATER THAN THE AMOUNT BORROWED. PLEASE CONFIRM THAT AMOUNT OWED X805 AND AMOUNT BORROWED X804 ARE CORRECT COMMENT LATER COMMENT NOW ********************************************************* FOR LAND CONTRACT/LOAN #1: How many years or payments did you agree upon when the (land contract/loan) was (last refinanced/IF X7137=DK/REF: taken out or last refinanced/was taken out)? IF R SAYS MORTGAGE IS A REVERSE ANNUITY MORTGAGE, MAKE A NOTE. WE WANT THE NUMBER OF YEARS PAYMENTS ARE TO BE MADE ON THE LOAN, NOT THE AMORTIZATION PERIOD. FOR ALL OTHERS: How many years or payments did you agree upon when the (land contract/loan) was taken out or refinanced? IF R SAYS MORTGAGE IS A REVERSE ANNUITY MORTGAGE, MAKE A NOTE. WE WANT THE NUMBER OF YEARS PAYMENTS ARE TO BE MADE ON THE LOAN, NOT THE AMORTIZATION PERIOD. X806(#1) NUMBER OF YEARS: X906(#2) -1. No set number of years X1006(#3) -7. Unable to calculate from number of payments 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X807(#1) NUMBER OF PAYMENTS: X907(#2) -1. No set number of payments X1007(#3) -7. Unable to calculate from number of years 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X9154(#1) NUMBER OF MONTHS: X9155(#2) -1. No set number of years/payments X9156(#3) -7. Unable to calculate from number of years/payments 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X808(#1) How much are the payments? X908(#2) X1008(#3) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE. $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1); no set number of payments: X806/ X906/X1006=-1 or X807/X907/X1007=-1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X809(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X909(#2) (And that amount is per...?) X1009(#3) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=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) EXCLUDE TAXES AND INSURANCE, IF POSSIBLE. $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/ no third mortgage: X931^=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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X814(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X914(#2) (And that amount is per...?) X1014(#3) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/ no third mortgage: X931^=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 this amount include real estate taxes or homeowners' insurance? (Which?) 1. *TAXES ONLY 2. *INSURANCE ONLY 3. *BOTH 4. *NEITHER 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); no typical payment: X813=(-1, -2)/X913=(-1, -2)/X1013=(-1, -2)) ********************************************************* EDIT CHECK: If the monthly property tax is included in the mortgage payment but the mortgage payment is less than the property tax: PTAX=X721(monthly) MRTAMT=X808(monthly) IF ((X810=1,3) & PTAX) >= MRTAMT CAPI text displayed: ATTENTION: MONTHLY PROPERTY TAXES OF PTAX GREATER THAN OR EQUAL TO MONTHLY MORTGAGE PAYMENT OF MRTAMT. IS THIS CORRECT? COMMENT LATER COMMENT NOW ********************************************************* 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? IF R IS REQUIRED TO REFINANCE THE LOAN AFTER A FIXED PERIOD, CHOOSE "BALANCE PAYABLE OR BALLOON" AND MAKE A NOTE. 1. *Repay completely 2. *Balance payable or Balloon 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or X723=5 and X830^=1; no typical payment: X813=(-1, -2)/X913=(-1, -2)/X1013=(-1, -2)) X812(#1) What will the balance due or balloon payment be? X912(#2) X1012(#3) $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1; no typical payment: X813=(-1, -2)/X913=(-1, -2)/ X1013=(-1, -2); no balloon payment: X811^=2/X911^=2/X1011^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: IF (X812/X912/X1012 >X804/X904/X1004) CAPI text displayed: ATTENTION: REPORTED BALLOON PAYMENT IS GREATER THAN THE REPORTED AMOUNT BORROWED, WHICH WOULD BE UNUSUAL. PLEASE CONFIRM THAT BALLOON PAYMENT OF (X812/X912/X1012) AND AMOUNT BORROWED OF (X804/X904/X1004) ARE CORRECT. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK: IF (X812/X912/X1012 > X805/X905/X1005) CAPI text displayed: ATTENTION: REPORTED BALLOON PAYMENT IS GREATER THAN THE REPORTED AMOUNT OWED, WHICH WOULD BE UNUSUAL. PLEASE CONFIRM THAT BALLOON PAYMENT OF (X812/X912/X1012) AND AMOUNT OWED OF (X805/X905/X1005) ARE CORRECT. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK: IF (X812/X912/X1012>X804/X904/X1004) AND (X812/X912/ X1012>X805/X905/X1005) CAPI text displayed: REPORTED BALLOON PAYMENT IS GREATER THAN BOTH THE REPORTED AMOUNT BORROWED AND THE REPORTED AMOUNT OWED, WHICH WOULD BE UNUSUAL. PLEASE CONFIRM THAT THE BALLOON PAYMENT OF (X812/ X912/X1012), THE AMOUNT BORROWED OF (X804/X904/X1004) AND THE AMOUNT OWED OF (X805/X905/X1005) ARE ALL CORRECT COMMENT LATER COMMENT NOW ********************************************************* X7571(#1) Are you paying off this (land contract/loan) ahead of X7570(#2) schedule, behind schedule, or are the payments about X7569(#3) on schedule? 1. *On schedule 2. *Ahead of schedule 3. *Behind schedule 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1; no set number of payments: X806=-1/X906=-1/X1006=-1; no typical payment: X813=(-1, -2)/X913= (-1, -2)/X1013=(-1, -2)) X815(#1) In what year do you expect this (land contract/loan) to be X915(#2) repaid? X1015(#3) YEAR: -1. Reverse annuity loan -2. Does not expect to repay loan; expecting foreclosure 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1); loan on schedule: X7571=1/ X7570=1/X7569=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >=X8095+30 AND <=X8095+50: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X816(#1) What is the current annual rate of interest being charged X916(#2) on the (loan/land contract)? X1016(#3) PERCENT * 100: -1. No interest 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X817(#1) Please look at the list of institutions you wrote down. X917(#2) Is the loan with any of the institutions on the list, or from X1017(#3) someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) WE WANT THE INSTITUTION THAT CURRENTLY HOLDS THE MORTGAGE, NOT THE INSTITUTION WHERE R ORIGINALLY TOOK OUT THE LOAN. See MASTER INSTITUTION LIST at X308 for other codes Codes 11, 12, 14, 17, 18, 19, 20 show on screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 14. *FINANCE OR LOAN COMPANY 17. *INSURANCE COMPANY 18. *MORTGAGE COMPANY; mortgage broker 19. *CONTRACTOR; DEVELOPER; trailer park owner 20. *PRIOR OWNER -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9083(#1) Recode: type of institution X9084(#2) X9085(#3) See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X7568(#1) Is this the same institution as the one from which you originally took out this loan? IF R REFINANCED THE LOAN, WE WANT TO KNOW ABOUT THE REFINANCED LOAN, NOT THE ORIGINAL LOAN. 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)) X7580(#1) Please look at the list of institutions you wrote down. Was the loan *originally* with any of the institutions on that list, or from someplace else? (IF ON THE LIST: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) Please look at the Institutions Card. Was the loan *originally* 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?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 14, 17, 18, 19, 20 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY 16. *BROKERAGE; "mutual fund", "hedge fund", n.f.s.; also include general financial services companies that have group membership restrictions (e.g., TIAA/CREF) 17. *INSURANCE COMPANY 18. *MORTGAGE COMPANY; mortgage broker 19. *CONTRACTOR; DEVELOPER; trailer park owner 20. *PRIOR OWNER 29. *BROAD FINANCIAL SERVICES COMPANY n.e.c. -7. *OTHER 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); same institution as one from which originally took out loan: X7568^=5) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9258(#1) Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); same institution as one from which originally took out loan: X7568^=5) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X819(#1) 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 or fees, 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 RATES OR FEES 3. *LOCATION OF OFFICES 4. *OTHER BUSINESS WITH THEM 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 or partner works there 12. Reputation, quality of service, trust 21. No choice -- assumed existing debt and lender from previous owner 22. No choice--financed through contractor/developer/ previous 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/other government program 26. Participated in first time buyer program 27. Government-sponsored program, n.e.c. 32. Clear information 33. Mortgage sold to another lender 40. Current or past relationship through work, n.e.c. -7. *OTHER REASON 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)) ********************************************************* FOR THE PUBLIC DATA SET, CODE 25 IS COMBINED WITH CODE 27 ********************************************************* X918(#2) Was the money from this loan used for the purchase of this X1018(#3) home or for some other purpose? See MASTER LOAN PURPOSE LIST at X6723 for other codes 1. *Home purchase 3. *Home improvements -7. *Other (Coded using the MASTER LOAN PURPOSE LIST at X6723) 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ********************************************************* SEE MASTER LOAN PURPOSE LIST FOR INFORMATION ON CODE COLLAPSING FOR LOAN PURPOSE VARIABLES FOR PUBLIC DATA SET ********************************************************* X820(#1) Is this an adjustable rate (land contract/mortgage/loan); that X920(#2) is, does it have an interest rate that can rise or fall at X1020(#3) any time over the life of the loan? INCLUDE LOANS WHERE THE RATE CAN CHANGE ONLY ONCE, EVEN IF THE CHANGE HAS ALREADY OCCURRED. DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING. 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)/no second mortgage: X830^=1/ no third mortgage: X931^=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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1) X7053(#1) Has the interest rate on your current (land contract/ mortgage/loan) changed since you took it out? DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING. 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1) X7054(#1) What was the interest rate on this (land contract/ mortgage/loan) when you first took it out? IF R HAS REFINANCED, WE WANT TO KNOW THE INITIAL RATE ON THE CURRENT LOAN, NOT THE RATE ON THE ORIGINAL LOAN. PERCENT * 100: -1. No interest 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1; interest rate not changed: X7053=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7055(#1) In what year can the rate first change or could it have changed already? PRESS [F6] IF RATE COULD HAVE CHANGED ALREADY BUT R DOES NOT REMEMBER THE YEAR IT COULD HAVE CHANGED. YEAR: -2. Could have changed already, but has not yet 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=1, 2, or 3 and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1; interest rate has changed: X7053=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-30,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF < X802: YEAR BEFORE LOAN DATE ERROR MESSAGE ********************************************************* X7056(#1) After the first change, how often can your interest rate change? How often can your interest rate change? IF RATE CANNOT CHANGE AGAIN, CODE ZERO PLUS "IN TOTAL". CODE FREQUENCY WITHOUT ASKING IF ALREADY MENTIONED. NUMBER OF TIMES: -1. 0 times (cannot change again) 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7057(#1) PER: 1. Day 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *In total 11. Twice per year; every six months 13. *Every three years 15. *Continuously floating rate/whenever rate changes 16. *Every 7 years 17. *Fixed for 2 years or more, then variable once a year (NOT A PREFERRED CODE) 22. Varies 25. Every 2 years 26. Every 4 years 27. Every 5 years 28. Every 10 years 30. At 7 years 31. *Twice a month 32. Every 8 years 33. *Fixed for 2 or more years, then variable more than once a year (NOT A PREFERRED CODE) -1. 0 times (cannot change again) -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1) X7058(#1) What is the most the rate can rise at any one time? WE WANT THE MOST THE RATE CAN RISE IN PERCENTAGE POINTS. IF R SAYS "POINTS," CLARIFY: Basis points or percentage points? A BASIS POINT IS 1/100TH OF A PERCENTAGE POINT, SO ONE BASIS POINT IS 0.01%. IF NO LIMIT, PRESS [F6]. PERCENT * 100: -1. Cannot increase -2. No limit 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1; rate cannot change again: X7056=-1) ********************************************************* ORIGINALLY ALLOWED VALUES: [.1,...,35] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 20: UNUSUALLY HIGH ERROR MESSAGE ********************************************************* X7059(#1) What was the highest level the rate could have gone up to? WE WANT THE HIGHEST LEVEL THE RATE COULD HAVE REACHED, NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE. What is the highest level the rate can go up to over the life of the loan? WE WANT THE HIGHEST LEVEL THE RATE CAN REACH, NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE. PERCENT * 100: -2. No limit 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1; change in rate does not depend on other rate: X821=5;) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF < X816: PERCENTAGE MUST BE GREATER THAN CURRENT RATE ERROR MESSAGE ********************************************************* EDIT CHECK: If the maximum rate on the variable rate mortgage is the same as the current rate: IF X7059 = X816 CAPI text displayed: ATTENTION: MAXIMUM INTEREST RATE POSSIBLE ON MORTGAGE IS EQUAL TO THE CURRENT INTEREST RATE. THIS IS UNCOMMON. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK: If the maximum rate on the variable rate mortgage is the same as the initial rate: IF X7054 = X816 CAPI text displayed: ATTENTION: MAXIMUM INTEREST RATE POSSIBLE ON MORTGAGE IS EQUAL TO THE INITIAL INTEREST RATE. THIS IS UNCOMMON. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK: If the maximum rate on the variable rate mortgage is equal to the maximum amount that the rate can change: IF X7059 = X7058 CAPI text displayed: ATTENTION: MAXIMUM INTEREST RATE OF X7059 IS THE SAME AS THE MOST THE INTEREST RATE CAN CHANGE X7058. IS THIS CORRECT? COMMENT LATER COMMENT NOW ********************************************************* X825(#1) When the interest rate on your (land contract/mortgage/loan) (changes, does/changed, did) the size of your monthly payments also change? 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1) X7060(#1) Is this a convertible (land contract/mortgage/loan); that is, do you have an option to convert it to a (land contract/ mortgage/loan) with a fixed interest rate without having to refinance it? 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); not adjustable rate: X820^=1; rate cannot change again: X7056=-1) X7061(#1) (Aside from the adjustable interest rate, are/Are) any of the other terms on your loan scheduled to change over the remaining life of the loan? IF YES: Please do not include changes due to property taxes or other payments, future refinancing, or elimination of PMI. 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2)) X7062(#1) What terms will change and how will they change? 1. Interest only for 10 years, then amortize principal over remainder of loan term 2. Interest only for 5 years, then amortize principal over remainder of loan term 3. Interest only for 7 years, then amortize principal over remainder of loan term 25. Other scheduled changes in payments, not due to interest rate changes 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no first mortgage: X723^=(1, 2); other terms will not change: X7061^=1) ********************************************************* FOR THE PUBLIC DATA SET, CODES 2 AND 3 ARE COMBINED WITH CODE 1 ********************************************************* ----------------------------------------------------------------------------- OTHER LOAN USED TO PURCHASE PROPERTY ----------------------------------------------------------------------------- X1032 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? IF YES, SAY: Please do not include home equity lines of credit. 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) In what month and year was this loan taken out? X1033 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1034 YEAR: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-30 AND TOP-CODED AT 2016 ********************************************************* X1035 How much was borrowed, not including finance charges? $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1037 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X9160 Recode: term of loan in months NUMBER OF 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1039 How much are the payments? $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1; no set number of payments: X1038=-1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7567 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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? $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1; regular loan and regular payments: X1036=1 and X1039>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1041 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1; payments on schedule: X7566=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1043 YEAR: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1; payments on schedule: X7566=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1044 How much is still owed on this loan? $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount owed is greater than the amount borrowed: IF X1044 > X1035: CAPI test displayed: ATTENTION: AMOUNT OWED IS GREATER THAN THE AMOUNT BORROWED. PLEASE CONFIRM THAT AMOUNT OWED X1044 AND AMOUNT BORROWED X1035 ARE CORRECT COMMENT LATER COMMENT NOW ********************************************************* X1045 What is the current annual rate of interest being charged on this loan? PERCENT * 100: -1. Nothing 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1046 Please look at the list of institutions you wrote down. Is the loan with any of the institutions on the list, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 14 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9086 Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no other loan for home purchase: X1032^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* ----------------------------------------------------------------------------- LINES OF CREDIT ----------------------------------------------------------------------------- X1101 Do you (or anyone in your family living here) have (any lines of credit/a home equity line of credit or any other lines of credit), not counting credit cards or business lines of credit? Please include approved lines of credit even if you are not currently drawing against them. SIMILARLY TO A CREDIT CARD AGREEMENT, A LINE OF CREDIT ALLOWS A PERSON TO BORROW AS THEY SEE FIT UP TO A MAXIMUM LIMIT. A HOME EQUITY LINE OF CREDIT IS A LINE OF CREDIT SECURED BY THE EQUITY IN A HOME. INCLUDE CHECKING ACCOUNT OVERDRAFT PROTECTION. 1. *YES 5. *NO X1102 How many lines of credit do you (and your family living here) have? NUMBER OF LINES OF CREDIT (DETAILED QUESTIONS ON 3): 0. Inap. (no lines of credit: X1101=5) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 5 ********************************************************* X6686 Originally reported value of X1102 (see introduction) NUMBER OF LINES OF CREDIT (DETAILED QUESTIONS ON 3): 0. Inap. (no lines of credit: X1101=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, 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/the largest/the next) line of credit X1114(#2) secured by the equity in your home? X1125(#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; does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) X1105(#1) Do you currently owe any money on this line? X1116(#2) 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) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1106(#1) What was the money used for? (What was its major use?) X1117(#2) X1128(#3) See MASTER LOAN PURPOSE 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) ********************************************************* SEE MASTER LOAN PURPOSE LIST FOR INFORMATION ON CODE COLLAPSING FOR LOAN PURPOSE VARIABLES FOR PUBLIC DATA SET ********************************************************* X1108(#1) How much is currently owed? X1119(#2) X1130(#3) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1109(#1) What is the typical payment? X1120(#2) X1131(#3) $ AMOUNT: -1. None -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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1110(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X1121(#2) (And that amount is per...?) X1132(#3) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 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) ********************************************************* EDIT CHECK: If the payments are greater than the amount owed: IF X1109/X1120/X1131 > X1108/X1119/X1130 CAPI text displayed: ATTENTION: PAYMENT OF X1109/X1120/X1131 GREATER THAN AMOUNT OWED OF X1108/X1119/X1130. IS THIS CORRECT? COMMENT LATER COMMENT NOW ********************************************************* X1111(#1) What is the current annual rate of interest being charged X1122(#2) on this loan? X1133(#3) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1112(#1) Please look at the list of institutions you wrote down. X1123(#2) Is this line of credit with any of the institutions on the X1134(#3) list, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) Please look at the Institutions Card. Is this line of credit with any of the institutions on the Institutions Card, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 14, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 14. *FINANCE OR LOAN COMPANY 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9087(#1) Recode: type of institution X9088(#2) X9089(#3) See MASTER INSTITUTION 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) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X1104(#1) (Including what you owe now, what/What) is the maximum amount X1115(#2) you could owe on this line of credit? That is, what is X1126(#3) your total credit limit on this line? INTERVIEWER: IF R ANSWERS ZERO, ASK IF THE DRAW PERIOD IS OVER. $ AMOUNT: -2. DRAW PERIOD OVER 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF <= 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount borrowed is greater than the credit limit: IF X7141/X7142/X7143 > X1104/X1115/X1126 CAPI text displayed: ATTENTION: AMOUNT BORROWED OF X7141/X7142/X7143 GREATER THAN CREDIT LIMIT OF X1104/X1115/X1126. PROBE TO BE SURE CREDIT LIMIT IS NOT REMAINING CREDIT AVAILABLE. COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK: If the amount owed is greater than the credit limit: IF X1108/X1119/X1130 > X1104/X1115/X1126 CAPI text displayed: ATTENTION: AMOUNT OWED OF X1108/X1119/X1130 GREATER THAN CREDIT LIMIT OF X1104/X1115/X1126. PROBE TO BE SURE CREDIT LIMIT IS NOT REMAINING CREDIT AVAILABLE. COMMENT LATER COMMENT NOW ********************************************************* X1136(#4) What is the total amount that you (and your family living here) currently owe on all other remaining lines of credit? $ AMOUNT: -1. Nothing 0. Inap. (no lines of credit: fewer than four lines credit: X1102<4) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8401(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (does not have any lines of credit: X1101=5; fewer than four lines of credit: X1102<4; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- HOME IMPROVEMENTS ----------------------------------------------------------------------------- X1201 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1) X1202 Roughly what was the total cost of all remodeling or additions to this property? $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1203 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1) In what month and year was the most recent loan taken out? X1204 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1205 YEAR: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-30 AND TOP-CODED AT 2016 ********************************************************* X1206 How much was borrowed, not including finance charges? $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; not a regular loan: X1207^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1208 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; not a regular loan: X1207^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X9161 Recode: term of loan in months NUMBER OF 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; not a regular loan: X1207^=1) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1210 How much are the payments? $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7565 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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? $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; not a regular loan and regular payments: X1210>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1212 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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 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, 6, or 8 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; payments on schedule: X7564=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1214 YEAR: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; payments on schedule: X7564=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1215 How much is still owed on this loan? $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount owed is greater than the amount borrowed: IF X1215 > X1206: CAPI test displayed: ATTENTION: AMOUNT OWED IS GREATER THAN THE AMOUNT BORROWED. PLEASE CONFIRM THAT AMOUNT OWED X1215 AND AMOUNT BORROWED X1206 ARE CORRECT COMMENT LATER COMMENT NOW ********************************************************* X1216 What is the current annual rate of interest being charged on this loan? PERCENT * 100: -1. Nothing 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1217 Please look at the list of institutions you wrote down. Is the loan with any of the institutions on the list, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 14 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9090 Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* 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, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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? $ AMOUNT: 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; no additional home improvement loans: X1218^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1220 Altogether, how much are the payments? $ AMOUNT: -1. None 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; no additional home improvement loans: X1218^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1221 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. Nothing -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) 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? 1. *YES 5. *NO 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; owns farm: X501=4, 5) X1224 How much rent do you collect? $ AMOUNT: -1. None 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; does not rent part of home: X1223^=1; owns farm: X501=4, 5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1225 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 11. *Twice per year 12. Every two months 31. *Twice a month -1. No rent collected -7. *Other 0. Inap. (does not own any part of HU: X508^=(1, 2) and X601^=(1, 2, 3) and X701^=(1, 3, 4, 5, 6, 8) and X7133^=1; does not rent part of home: X1223^=1; owns farm: X501=4, 5) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LAND CONTRACTS AND NOTES GIVEN BY R ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X1301 This completes the questions about your residence. 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 X1302 (Are you/Is your family) currently owed any money on these loans or any other notes, land contracts, or mortgages on real estate? (Are you/Is your family) currently owed any money on any other sort of notes, land contracts, or mortgages on real estate? 1. *YES 5. *NO X1303 Altogether, on how many such loans (are you/is your family) owed money? NUMBER OF LOANS (DETAILED QUESTIONS ON 2): 0. Inap. (no such loans currently: X1302=5) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 15 ********************************************************* X6927 Originally reported value of X1303 (see introduction) NUMBER OF LOANS (DETAILED QUESTIONS ON 2): 0. Inap. (no such loans currently: X1302=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 11: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 15 ********************************************************* ----------------------------------------------------------------------------- #1 refers to first loan #2 refers to second loan #3 refers to all remaining loans ----------------------------------------------------------------------------- X1304(#1) Is this loan a land contract, a mortgage, or something X1323(#2) else? 1. *land contract; lease purchase 2. *mortgage 3. *something else; other type of personal loan 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2) X1305(#1) About this (land contract/mortgage/loan), is it for real estate X1324(#2) that you sold to the borrower? 1. *YES 5. *NO 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2) X1306(#1) How much are you (and your family) owed X1325(#2) on this note? $ AMOUNT: 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is land contract or mortgage: X1304=(1, 2)/X1323=(1, 2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* In what month and year was this loan taken out? X1307(#1) MONTH: X1326(#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 such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1308(#1) YEAR: X1327(#2) 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X1307/X1326 >X3 AND X1308/X1327=X8095: FUTURE DATE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-30 AND TOP-CODED AT 2016 ********************************************************* X1309(#1) How much money did (you/your family) lend the borrower? X1328(#2) $ AMOUNT: 0. Inap. (no such loans currently: X1302^=1/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1310(#1) How much is still owed on this X1329(#2) (mortgage/land contract/loan)? $ AMOUNT: 0. Inap. (no such loans currently: X1302=5/fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1311(#1) How much are the (mortgage/land contract/loan) X1330(#2) payments? $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1312(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X1331(#2) (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2)) How many years or payments were agreed upon when the loan was taken out or last refinanced? X1313(#1) NUMBER OF YEARS: X1332(#2) -1. No set number of years 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2); number of payments given: X1314>0/X1333>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1314(#1) NUMBER OF PAYMENTS: X1333(#2) -1. No set number of payments 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2); number of payments given: X1314>0/X1333>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1315(#1) Will the regular payments repay the (mortgage/land contract/ X1334(#2) loan) completely or will there be a balance payable or 'balloon' when the (mortgage/land contract/loan) is due? IF R IS REQUIRED TO REFINANCE THE LOAN AFTER A FIXED PERIOD, CHOOSE 'BALANCE PAYABLE OR BALLOON' AND MAKE A NOTE. 1. *REPAY COMPLETELY 5. *BALANCE PAYABLE OR BALLOON 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2); no set number of payments: X1314=-1/X1333=-1) X1316(#1) What will the balance payable or balloon payment be? X1335(#2) $ AMOUNT: 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; loan is not land contract or mortgage: X1304^=(1, 2)/X1323^=(1, 2); no set number of payments: X1314=-1/X1333=-1; no balloon payment: X1315^=5/X1334^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1317(#1) Do you (or your family living here) still owe any money X1336(#2) on loans for this property? 1. *YES 5. *NO 0. Inap. (no such loans currently: X1302=5/fewer than 2 loans: X1303<2; real estate not sold to borrower: X1305/X1324^=1) X1318(#1) How much do you still owe? X1337(#2) $ AMOUNT: 0. Inap. (no such loans currently: X1302=5/ fewer than 2 loans: X1303<2; R owes no money on property: X1317^=1/X1336^=1; real estate not sold to borrower: X1305/X1324^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1339(#3) About how much in total is owed to (you/your family) on the remaining notes, land contracts, or mortgages? $ AMOUNT: 0. Inap. (no such loans currently: X1302=5; fewer than 3 loans: X1303<3) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8495(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no such loans currently: X1302=5; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1340(#3) (Is this loan/Are any of these loans) for real estate that you sold to the borrower? 1. *YES 5. *NO 0. Inap. (no such loans currently: X1302=5; fewer than 3 loans: X1303<3) X8496(#3) Original value of whether or not property with loan was sold to borrower for Rs who did not provide complete information within the grid structure (see introduction). 1. *YES 5. *NO X1341(#3) Do you (or your family here) still owe any money on loans for these other properties? 1. *YES 5. *NO 0. Inap. (no such loans currently: X1302=5; fewer than 3 loans: X1303<3; real estate not sold to borrower: X1340^=1) X8497(#3) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. *YES 5. *NO 0. Inap. (no such loans currently: X1302^=1; did not break off early in grid) X1342(#3) Altogether how much (do you/does your family) still owe? $ AMOUNT: 0. Inap. (no such loans currently: X1302=5; fewer than 3 loans: X1303<3; R owes no money on properties: X1341^=1; real estate not sold to borrower: X1340^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8498(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no such loans currently: X1302^=1; did not break off early in grid; no money owed on properties underlying loans: X8497^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- INVESTMENT REAL ESTATE AND VACATION PROPERTIES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X1700 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? (IF YES, SAY: I'll ask about those properties later). 1. *YES 5. *NO 0. Inap. (no properties: X1700=5) X1701 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(s) you own on the property. Please include the rest of the property here. RECORD DETAILS FOR EACH PROPERTY SEPARATELY. EXCEPTION: TREAT PARCELS OF LAND OR GROUPS OF BUILDINGS MANAGED TOGETHER AS ONE PROPERTY, IF THAT IS EASIER FOR R. NUMBER OF PROPERTIES: -1. None 0. Inap. (no properties: X1700=5) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 20 ********************************************************* X6688 Originally reported value of X1701 (see introduction) NUMBER OF PROPERTIES: -1. None 0. Inap. (no properties: X1700=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 51: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 20 ********************************************************* ----------------------------------------------------------------------------- #1 refers to first property #2 refers to second property #3 refers to all remaining vacation properties #4 refers to all remaining properties other than vacation properties ----------------------------------------------------------------------------- X1703(#1) I would like to ask first about the property where you live. X1803(#2) In the questions that follow, please give me the amounts for the building excluding your unit. I would like to ask first about the most valuable property. About the property..... About the next most valuable property..... What type of property is this? IF PROPERTY IS RESIDENTIAL, PROBE FOR NUMBER OF UNITS. 10. Farm/Ranch -- any mention 11. Land only: Lot, tract, acreage; building lots; "farmland" 12. Substantial land and seasonal or other residence (except 14) 13. Substantial land and some other type of structure 14. Substantial land and trailer/mobile home 15. Recreational property; sports field; golf course 21. Seasonal/vacation house (winter/summer home; cottage; etc.); other additional home 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" -- number of units unknown; "rental units" or "property", n.f.s. 47. Other business/commercial property (exc. 41-46, 48) 48. Business/commercial and residential combination 49. Condominium; co-op 50. Residential, n.e.c. 51. Garage 52. Burial lot 999. Misc. vacation property mapped from mopup question -7. Other, including combination of types on one property (except for code 48) 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) ********************************************************* FOR THE PUBLIC DATA SET, CODES 13, 14, AND 22 ARE COMBINED WITH CODE 12; CODE 24 IS COMBINED WITH CODE 50; CODE 25 IS COMBINED WITH CODE 21; CODES 43 AND 44 COMBINED WITH CODE 42; CODES 48 AND 15 ARE COMBINED WITH CODE 47; CODE 46 IS COMBINED WITH CODE 45; CODE 52 IS COMBINED WITH CODE -7 ********************************************************* X1704(#1) Is this property owned by you (and your family living here), X1804(#2) is it owned jointly with others, owned by a partnership, is it a timeshare, or something else? 1. *OWNED BY R AND FAMILY LIVING HERE 2. *OWNED JOINTLY 3. *PARTNERSHIP; limited partnership 5. *TIMESHARE; similar formal fractional ownership arrangement 8. Property moved from mopup and assumed to be all R's (value collected in mopup is R's share) 10. Corporation NEC 11. Trust, n.e.c. or not specified 12. Limited Liability Company (LLC) 13. Lease hold or other very long-term control of property, n.e.c. -7. *OTHER 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) ********************************************************* FOR THE PUBLIC DATA SET, CODE 13 IS COMBINED WITH CODE 11 ********************************************************* X1705(#1) What percentage of the property do you (and your family X1805(#2) living here) own? PERCENT * 100: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1706(#1) How much in total is this (timeshare/property) worth? X1806(#2) I mean, without taking any outstanding loans into account, what would it bring if it were sold today? IF PROPERTY NOT A TIME SHARE: INTERVIEWER: WE WANT THE TOTAL VALUE OF THE PROPERTY, NOT JUST R'S SHARE. $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) IF THE PROPERTY WAS ACQUIRED/INHERITED/BUILT AT DIFFERENT TIMES, RECORD THE EARLIEST DATE. X1707(#1) MONTH: X1807(#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 properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1708(#1) YEAR: X1808(#2) 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X1707/X1807 >X3 AND X1708/X1808=X8095: FUTURE DATE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-60 AND TOP-CODED AT 2016 ********************************************************* X1710(#1) GIFT/INHERITANCE: X1810(#2) 1. *GIFT/INHERITANCE 5. *R PURCHASED 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) X1709(#1) What was the value of the property when received? X1809(#2) What was the purchase price of your timeshare? What was the total purchase price? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1711(#1) Are there any outstanding loans or mortgages on this X1811(#2) (property/timeshare)? DO NOT INCLUDE ANY LOANS AGAINST THE PROPERTY RECORDED EARLIER 1. *YES 4. *YES, BUT REPORTED EARLIER 5. *NO 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/ fewer than 2 properties: X1701<2) In what month and year did you obtain or last refinance the loan? IF R ASSUMED/REFINANCED THE LOAN, RECORD THE DATE ASSUMED/REFINANCED. X1712(#1) MONTH: X1812(#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 properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1713(#1) YEAR: X1813(#2) 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X1712/X1812 > X3 AND X1713/X1813=X8095: FUTURE DATE ERROR MESSAGE IF X1712,X1713/X1812,X1813 < X1707,X1708/X1807,X1808: LOAN/REFINANCE BEFORE PURCHASE DATE ERROR ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-30 AND TOP-CODED AT 2016 ********************************************************* X1714(#1) How much was borrowed or refinanced for your timeshare? X1814(#2) In total, how much was borrowed or refinanced? $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1715(#1) (In total, how/How) much is still owed? X1815(#2) $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount owed is greater than the amount borrowed: IF X1715/X1815 > X1714X1814: CAPI test displayed: ATTENTION: AMOUNT OWED IS GREATER THAN THE AMOUNT BORROWED. PLEASE CONFIRM THAT AMOUNT OWED X1715/X1815 AND AMOUNT BORROWED X1714/X1814 ARE CORRECT COMMENT LATER COMMENT NOW ********************************************************* How many years or payments were agreed upon when the loan was taken out or last refinanced? WE WANT THE NUMBER OF YEARS PAYMENTS ARE TO BE MADE ON THE LOAN, NOT THE AMORTIZATION PERIOD. X1716(#1) NUMBER OF YEARS: X1816(#2) -1. No set number of years -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; no loan on property: X1711^=1/X1811^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1717(#1) NUMBER OF PAYMENTS: X1817(#2) -1. No set number of payments -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; no loan on property: X1711^=1/X1811^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X9157(#1) Recode: Term of loan in months X9158(#2) MONTHS: -1. No set number of years/payments -7. Unable to calculate from number of years/payments 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/ fewer than 2 properties: X1701<2; no loan on property: X1711^=1/ X1811^=1) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X1718(#1) (In total, how/How) much are the payments? X1818(#2) EXCLUDE TAXES, INSURANCE, IF POSSIBLE. $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1; no set number of payments: X1716=-1/X1816=-1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1719(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X1819(#2) (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1; no set number of payments: X1716=-1/X1816=-1) X1723(#1) What is the typical payment? X1823(#2) EXCLUDE TAXES, INSURANCE, IF POSSIBLE. $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1; set number of payments and positive amount of payments: X1716^=-1 and X1718>0/X1816^=-1 and X1818>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1724(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X1824(#2) (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1; set number of payments and positive amount of payments: X1716^=-1 and X1718>0/X1816^=-1 and X1818>0) X1720(#1) Does this amount include real estate taxes or insurance? X1820(#2) INTERVIEWER: PROBE FOR WHICH. 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; no loan on property: X1711^=1/X1811^=1; no typical payment: X1723=-1 or -2/X1823=-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 loan is due? 1. *REPAY COMPLETELY 5. *BALANCE PAYABLE/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; no typical payment: X1723=(-1, -2)/X1823=(-1, -2)) X1722(#1) What will the balance due or balloon payment be? X1822(#2) $ 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; no typical payment: X1723=(-1, -2)/X1823=(-1, -2); no balloon payment: X1721^=2/X1821^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7554(#1) Is this loan being paid off ahead of schedule, behind X7553(#2) schedule, or are the payments about on schedule? 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; no loan on property: X1711^=1/X1811^=1; no set number of payments: X1716=-1/X1816=-1; no typical payment: X1723=(-1, -2)/X1823=(-1, -2);) X1725(#1) In what year do you expect this loan to be repaid? X1825(#2) YEAR: -2. Does not expect to repay loan; expecting foreclosure 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1; loan on schedule: X7554=1/X7553=1) ********************************************************* IF X1713/X1813 NOT MISSING: ORIGINALLY ALLOWED VALUES: [X8095,...,X1713/X1813+30] IF X1713/X1813 MISSING: ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+40] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X1726(#1) What is the current annual interest rate being charged on X1826(#2) the loan? 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; no loan on property: X1711^=1/X1811^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 25: RATE UNUSUALLY HIGH ERROR MESSAGE ********************************************************* 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 at any time over the life of the loan? 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; no loan on property: X1711^=1/X1811^=1) X1728(#1) Please look at the list of institutions you wrote down. X1828(#2) Is the loan with any of the institutions on the list, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) WE WANT THE INSTITUTION THAT CURRENTLY HOLDS THE MORTGAGE, NOT THE INSTITUTION WHERE R ORIGINALLY TOOK OUT THE LOAN. See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 14, 17, 18, 19, 20 show on screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 14. *FINANCE OR LOAN COMPANY 17. *INSURANCE COMPANY 18. *MORTGAGE COMPANY; mortgage broker 19. *CONTRACTOR; DEVELOPER; trailer park owner 20. *PRIOR OWNER -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no loan on property: X1711^=1/X1811^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9099(#1) Recode: type of institution X9100(#2) See MASTER INSTITUTION 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; no loan on property: X1711^=1/X1811^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X1729(#1) Did you (and your family living here) receive any income from X1829(#2) this property in 2015? 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) X1730(#1) How much net income did (you/your family) receive? X1830(#2) $ AMOUNT: -1. Nothing 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2; no income from property: X1719^-1/X1819^=-1) ********************************************************* ORIGINALLY ALLOWED VALUES: [-999999999,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2001(#3) 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 3 properties: X1701<3) X8405(#3) 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) X2002(#3) How much in total is your (family's) share of these vacation homes or recreational property worth? $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8406(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2003(#3) What was your total purchase price for these properties? What was your family's total purchase price for these properties? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8407(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2004(#3) 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 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1) X8408(#3) Original value for Rs who did not provide complete information within the grid structure (see introduction) 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(#3) 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 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1) X8409(#3) 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) X2006(#3) Altogether, about how much is owed on your (family's) share of these mortgages or loans? $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/ fewer than 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1; no loans on property: X2005^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8410(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2007(#3) How much are the payments on your (family's) share of these loans or mortgages? $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/ fewer than 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1; no loans on property: X2005^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2008(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/ fewer than 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1; no loans on property: X2005^=1) X8411(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8412(#3) Original value of frequency. FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -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(#3) Did you (and your family living here) receive any income in 2015 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 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1) X8413(#3) 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(#3) Altogether, how much net income did (you/your family) receive? $ AMOUNT: -1. Nothing 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 3 properties: X1701<3; 3 or more properties, but no vacation properties beyond 2nd property: X1701>=3 and X2001^=1; no income from property: X2009^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8414(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. Nothing 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2011(#4) Do you (and your family) have any other properties? Of the {# of properties from X6688} you told me you (and your family) own, are there any I have not already recorded? 1. *YES/CONTINUE 5. *NO/ALL PROPERTIES ALREADY RECORDED IN DETAIL 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3;) X8415(#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) X2012(#4) Now I will ask a few details about all the remaining properties you told me you have. Now I will ask a few details about all the remaining properties of the {# of properties from X6688} properties you told me you have. 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? $ AMOUNT: -1. Nothing 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; no other properties: X2011^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8416(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. Nothing 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2013(#4) About how much was your (family's) total purchase price for these properties? (IF GIFT/INHERITANCE, ASK: What was the value when you received it?) $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; no other properties: X2011^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: AMOUNT MUST BE GREATER THAN ZERO ERROR MESSAGE ********************************************************* X8417(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: AMOUNT MUST BE GREATER THAN ZERO ERROR MESSAGE ********************************************************* X2014(#4) 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 3 properties: X1701<3; no other properties: X2011^=1) X8418(#4) Original value for Rs who did not provide complete information within the grid structure (see introduction) 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(#4) 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 3 properties: X1701<3; no other properties: X2011^=1) X8419(#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 remaining properties among residual: X8415^=1) X2016(#4) Altogether, about how much is owed on your (family's) share of these mortgages or loans? $ AMOUNT: 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; no other properties: X2011^=1; no loans on property: X2015^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8420(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ 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 properties: X8419^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2017(#4) How much are the payments on (your family's share of) these loans or mortgages? $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; no other properties: X2011^=1; no loans on property: X2015^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2018(#4) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; no other properties: X2011^=1; no loans on property: X2015^=1) X8421(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 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 properties: X8419^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8422(#4) Original value of frequency. FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 23. 13 times a year; every 4 weeks 24. Every 6 weeks 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -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 properties: X8419^=1) X2019(#4) Did you (and your family living here) receive any income in 2015 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 3 properties: X1701<3; no other properties: X2011^=1) X8423(#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 remaining properties among residual: X8415^=1) X2020(#4) Altogether, how much net income from these properties did (you/your family) receive in 2015? $ AMOUNT: -1. Nothing 0. Inap. (no properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 3 properties: X1701<3; no other properties: X2011^=1 no income from property: X2019^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8424(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. Nothing 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 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 (and your family living here) own or share ownership in any privately-held businesses, including farms, professional practices, limited partnerships, private equity, or any other business investments that are not publicly traded? Do not include corporations with publicly-traded stock or any partnerships that have already been recorded earlier. IF R OWNS STOCKS THROUGH AN INVESTMENT CLUB, REPORT LATER AS STOCKS OR MUTUAL FUNDS. 1. *YES 5. *NO (value set to YES when R reported having a farm business: X3101=YES) ----------------------------------------------------------------------------- ACTIVELY MANAGED BUSINESSES ----------------------------------------------------------------------------- X3104 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. 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, in how many (farms/ranches), privately-held businesses, professional practices, limited partnerships, or other business investments that are not publicly traded do you (or your family living here) own or share ownership in and also have an active management role? In how many such privately held businesses or investments do you (or anyone in your family living here) have an active management role? INTERVIEWER: RECORD DETAILS FOR EACH BUSINESS SEPARATELY UNLESS BUSINESSES MANAGED TOGETHER AS ONE BUSINESS AND THAT IS EASIER FOR R. NUMBER OF BUSINESSES (DETAILED QUESTIONS ON 2): 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 25 ********************************************************* X6689 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. Originally reported value of X3105 (see introduction) NUMBER OF BUSINESSES (DETAILED QUESTIONS ON 2): 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 21: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 25 ********************************************************* ----------------------------------------------------------------------------- #1 refers to first actively managed business #2 refers to second actively managed business #3 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 or do? CENSUS 2012 4-DIGIT INDUSTRY CODE See X7402/7412 for codes. 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* In the public version of the data set, these codes have been collapsed in the following way: IF (170 <= 4-digit ind. code <=290) THEN ind. code=1; ELSE IF (7480 <= 4-digit ind. code <=7480) THEN ind. code=1; ELSE IF (7770 <= 4-digit ind. code <=7770) THEN ind. code=1; ELSE IF (370 <= 4-digit ind. code <=490) THEN ind. code=2; ELSE IF (770 <= 4-digit ind. code <=770) THEN ind. code=2; ELSE IF (1070 <= 4-digit ind. code <=3990) THEN ind. code=3; ELSE IF (6470 <= 4-digit ind. code <=6480) THEN ind. code=3; ELSE IF (8560 <= 4-digit ind. code <=8560) THEN ind. code=3; ELSE IF (4070 <= 4-digit ind. code <=5790) THEN ind. code=4; ELSE IF (8680 <= 4-digit ind. code <=8690) THEN ind. code=4; ELSE IF (6490 <= 4-digit ind. code <=6490) THEN ind. code=5; ELSE IF (6695 <= 4-digit ind. code <=6695) THEN ind. code=5; ELSE IF (6870 <= 4-digit ind. code <=7080) THEN ind. code=5; ELSE IF (7190 <= 4-digit ind. code <=7190) THEN ind. code=5; ELSE IF (7580 <= 4-digit ind. code <=7590) THEN ind. code=5; ELSE IF (7680 <= 4-digit ind. code <=7680) THEN ind. code=5; ELSE IF (8770 <= 4-digit ind. code <=8890) THEN ind. code=5; ELSE IF (570 <= 4-digit ind. code <=690) THEN ind. code=6; ELSE IF (6070 <= 4-digit ind. code <=6390) THEN ind. code=6; ELSE IF (6570 <= 4-digit ind. code <=6692) THEN ind. code=6; ELSE IF (6770 <= 4-digit ind. code <=6780) THEN ind. code=6; ELSE IF (7170 <= 4-digit ind. code <=7180) THEN ind. code=6; ELSE IF (7270 <= 4-digit ind. code <=7470) THEN ind. code=6; ELSE IF (7490 <= 4-digit ind. code <=7570) THEN ind. code=6; ELSE IF (7670 <= 4-digit ind. code <=7670) THEN ind. code=6; ELSE IF (7690 <= 4-digit ind. code <=7690) THEN ind. code=6; ELSE IF (7780 <= 4-digit ind. code <=8470) THEN ind. code=6; ELSE IF (8570 <= 4-digit ind. code <=8670) THEN ind. code=6; ELSE IF (8970 <= 4-digit ind. code <=9290) THEN ind. code=6; ELSE IF (9370 <= 4-digit ind. code <=9890) THEN ind. code=7; For business values (X3129/X3229) greater than or equal to $100 million * 1.2249 (CPI current methods adjustment to get 2016 dollars from 2001), this variable is set to a value of 99. ********************************************************* X3108(#1) How did you (or your family living here) first acquire this X3208(#2) business; was it bought or invested in, started by you, inherited, given to you, or some other way? 1. *BOUGHT/INVEST 2. *STARTED 3. *INHERITED 4. *GIVEN 5. *JOINED/BECAME PARTNER/PROMOTION 10. Bought/invest and inherited -7. *OTHER 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* FOR THE PUBLIC DATA SET, CODE 4 IS COMBINED WITH CODE 3 ********************************************************* X3110(#1) In what year did you (start/acquire) the business? X3210(#2) CODE THE YEAR ANYONE IN THE FAMILY LIVING HERE ACQUIRED ANY PART YEAR: 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the active business started or was acquired when the R or the S/P was less than 18: IF X7001 NOT EQUAL 1 THEN RAGE=X8022 ELSE RAGE=(X8095-X5908) CKAGE=MAX(RAGE,X104)-18 IF (X8095-(X3110/X3210)-CKAGE) > 0 CAPI text displayed: ATTENTION: RESPONSE IMPLIES R/[S/P] TOOK OWNERSHIP BEFORE AGE 18. PLEASE CONFIRM WHEN R/[S/P] TOOK OWNERSHIP OF THE BUSINESS. COMMENT LATER COMMENT NOW ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-50 AND TOP-CODED AT 2016 ********************************************************* X3111(#1) How many people work in this business, including you, members X3211(#2) of your family, or anyone who is working without pay? INCLUDE ALL PAID WORKERS, BOTH FULL-TIME AND PART-TIME. NUMBER: -1. No one working in business: business is about to be sold 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 250001: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 5 IF > 10 WITH A TOP-CODE AT 5000 ********************************************************* X3112(#1) INTERVIEWER CHECKPOINT X3212(#2) 1. R LIVES ALONE 2. ALL OTHERS 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X3113 X3114 X3115 X3116 X3117(#1) X3213 X3214 X3215 X3216 X3217(#2) Which members of your family living here work in or participate in the operation of the business? INCLUDE ONLY PEOPLE WHO ARE A PART OF THE PEU. CODE ALL THAT APPLY: CODE RESPONSE IN THE ORDER THEY ARE GIVEN X3113, X3213: *RESPONDENT X3114, X3214: *SPOUSE/PARTNER X3115, X3215: *ADULT CHILD; child; child-in-law; grandchild X3116, X3216: *OTHER ADULT IN PEU X3117, X3217: *OTHER 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) X3118(#1) Other than you (and your {husband/wife/partner}), how many X3218(#2) hours does the (other/most involved) family member work in this business in a normal week? How many hours does the (other/most involved) family member work in this business in a normal week? 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; R lives alone: X7001=1; no one in PEU besides R/Spouse or partner works in business: X3115^=1 and X3116^=1 and X3117^=1/ X3215^=1 and X3216^=1 and X3217^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,168] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 85: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X3119(#1) Is it a partnership, a sole-proprietorship, an LLC, X3219(#2) a subchapter S corporation, another type of corporation, or something else? 1. *PARTNERSHIP 2. *SOLE-PROPRIETORSHIP 3. *SUBCHAPTER S 4. *OTHER CORPORATION (including C chapter corps) 6. Foreign business type 11. *LIMITED PARTNERSHIP/LLP 12. *LLC (LIMITED LIABILITY COMPANY) (include professional limited liability companies) 15. Cooperative 40. Not a formal business type -7. *OTHER 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* FOR THE PUBLIC DATA SET, CODE 12 IS COMBINED WITH CODE 11; CODE 15 IS COMBINED WITH CODE 1 ********************************************************* X3120(#1) These next few questions are about the relationship between X3220(#2) your (family's) personal finances and the finances of your (family's) business. Are you (or your family living here) using personal assets as collateral or have you cosigned or guaranteed any loans for this business? COLLATERAL: A SPECIFIC ASSET PLEDGED AGAINST A LOAN. GUARANTEE: A PROMISE TO PAY A LOAN IF THE BORROWER DEFAULTS. 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) X7144(#1) Which of these did you do? Collateralize a loan, guarantee X7145(#2) a loan, or both? 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; did not guarantee or collateralize: X3120^=1/X3220^=1) X3121(#1) How much is currently (collateralized/guaranteed/guaranteed or X3221(#2) collateralized)? CODE ZERO IF NOTHING OWED NOW. INCLUDE WHAT IS OWED NOW, NOT THE ORIGINAL AMOUNT OR THE VALUE OF COLLATERAL $ AMOUNT: 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; did not guarantee or collateralize: X3120^=1/X3220^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3122(#1) Did I record this earlier? X3222(#2) 1. *YES 4. R reported YES, but no apparent match in data 5. *NO 6. R reported YES(or edited to YES), but appears to be included only partially in data recorded elsewhere 7. Matching amount elsewhere is larger than amount currently reported as guaranteed 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; did not guarantee or collateralize: X3120^=1/X3220^=1) NOTE: where (X3122 X3222)=1, the amount of the loan is not edited out of the earlier location. Where linked loans are reported at X6842, this information is edited into this question. X7551(#1) Which loan was that? X7550(#2) 1. *Credit card or store debt 2. *Mortgage debt 3. *Home equity loan 4. *Other home purchase loan 5. *Home improvement loan 6. *Loan for other real estate 7. *Line of credit 8. *Business loan 9. *Vehicle loan 10. *Education Loan 11. *Other installment loan 12. *Margin loan 13. *Insurance loan 14. *Pension loan 25. Other installment loan #1 (X6842=1) 26. Other installment loan #2 (X6843=1) 27. Other installment loan #3 (X6844=1) 28. Other installment loan #4 (X6845=1) 29. Other installment loan #5 (X6846=1) 30. Other installment loan #6 (X6847=1) -7. *Other 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; did not guarantee or collateralize: X3120^=1/X3220^=1; loan not reported earlier: X3122^=1/X3221^=1) NOTE: The loan types above marked with an asterisk only appeared on an interviewer's screen when the respondent had previously reported having those types of loans. NOTE: Where a linked business loan is reported at X6842 etc., the link is edited into this question. X3123(#1) (Other than guarantees, does/Does) the business owe you (or X3223(#2) your family living here) any money? THIS SHOULD INCLUDE LOANS TO THE BUSINESS, NOT INVESTMENTS THE PEU HAS MADE IN THE BUSINESS 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) X3124(#1) How much is owed? X3224(#2) $ AMOUNT: 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; business does not owe R any money: X3123^=1/X3223^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3125(#1) Do you (or your family living here) owe the business any money? X3225(#2) 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) X3126(#1) How much do you owe? X3226(#2) $ AMOUNT: 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; R does not owe business any money: X3125^=1/X3225^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3127(#1) Did I record this earlier in the interview? X3227(#2) 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; R does not owe business any money: X3125^=1/X3225^=1) NOTE: this variable was extensively edited to verify amounts reported earlier X7548(#1) SHOW CARD 5 X7547(#2) Which loan was that? 1. *Credit card or store debt 2. *Mortgage debt 3. *Home equity loan 4. *Other home purchase loan 5. *Home improvement loan 6. *Loan for other real estate 7. *Line of credit 8. *Business loan 9. *Vehicle loan 10. *Education Loan 11. *Other installment loan 12. *Margin loan 13. *Insurance loan 14. *Pension loan 25. Other installment loan #1 (X6842=1) 26. Other installment loan #2 (X6843=1) 27. Other installment loan #3 (X6844=1) 28. Other installment loan #4 (X6845=1) 29. Other installment loan #5 (X6846=1) 30. Other installment loan #6 (X6847=1) -7. *Other 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; R does not owe business any money: X3125^=1/X3225^=1; amount owed to business not reported earlier: X3127^=1/ X3227^=1) NOTE: The loan types above marked with an asterisk only appeared on an interviewer's screen when the respondent had previously reported having those types of loans. X3141 X3142 X3143 X3144 X3145 X3146 X3147 X3148 X3149 (#1) X3241 X3242 X3243 X3244 X3245 X3246 X3247 X3248 X3249 (#2) (SHOW CARD 6) What sources of money were used to (start/acquire) this business? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN 1. *Personal savings or assets 2. *Credit card (personal or business) 3. *Personal loan from a bank or savings institution 4. *Personal loan from a credit union 5. *Personal loan from some other type of institution or investor 6. *Business loan from a bank or savings institution 7. *Business loan from a credit union 8. *Business loan from some other type of institution or investor 10. Other equity investor(s) 11. Inherited/given -1. *NO MONEY WAS NEEDED TO START THE BUSINESS -7. *OTHER 0. Inap. (/no further responses; no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; business has 500 or more employees: X3111>=500/X3211>=500) X3151 X3152 X3153 X3154 X3155 X3156 X3157 X3158 X3159 (#1) X3251 X3252 X3253 X3254 X3255 X3256 X3257 X3258 X3259 (#2) (SHOW CARD 6) What external sources of money were used to finance the ongoing operations or improvements in this business during the past year? CODE ALL THAT APPLY: CODE RESPONSE IN THE ORDER THEY ARE GIVEN 1. *Personal savings or assets 2. *Credit card (personal or business) 3. *Personal loan from a bank or savings institution 4. *Personal loan from a credit union 5. *Personal loan from some other type of institution or investor 6. *Business loan from a bank or savings institution 7. *Business loan from a credit union 8. *Business loan from some other type of institution or investor 10. Other equity investor(s) 11. Inherited/given -1. *NO EXTERNAL MONEY WAS NEEDED TO FINANCE THE ONGOING OPERATIONS OR IMPROVEMENTS OF THE BUSINESS -7. *OTHER 0. Inap. (/no further responses; no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; business has 500 or more employees: X3111>=500/X3211>=500) X3160 (#1) Thinking about the financial institution where the business X3260 (#2) does the most business, is it (one of) the main institution(s) you listed in the beginning of the interview? "FINANCIAL INSTITUTION" INCLUDES ANY TYPE OF ORGANIZATION WHERE THE BUSINESS COULD BORROW MONEY, MAKE DEPOSITS, OR USE TRANSACTION SERVICES. 1. *YES 5. *NO -1. *NO FINANCIAL INSTITUTIONS USED 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1 / fewer than 2 actively managed businesses: X3105<2; business has 500 or more employees: X3111>=500/X3211>=500; no institutions listed: X8300=-1) X3161 (#1) IN PERSON: X3261 (#2) Please look at the Institutions Card. Which of these institutions is the primary financial institution of the business? IF INSTITUTIONS CARD: Which institution? ON THE PHONE: Please look at the list of institutions you wrote down. Which of these institutions is the primary financial institution of the business? 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1 / fewer than 2 actively managed businesses: X3105<2; business has 500 or more employees: X3111>=500/X3211>=500; institution not listed or no institution used: X3160^=1/X3260^=1; no institutions listed: X8300=-1; no institutions used: X3160^=1/X3260=1) X3162 (#1) (Thinking about the financial institution where the business X3262 (#2) does the most business, what/What) kind of institution is this? (Is it a commercial bank, a savings and loan or savings bank, a credit union, a finance or loan company, a brokerage, a mortgage company, or something else?) MOST BANKS ARE COMMERCIAL BANKS, UNLESS THEY HAVE SAVINGS BANK AS A PART OF THEIR NAME. See MASTER INSTITUTION LIST for other codes (See X308) 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) 18. *MORTGAGE COMPANY; mortgage broker 29. *BROAD FINANCIAL SERVICES COMPANY n.e.c. -7. *OTHER 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1 / fewer than 2 actively managed businesses: X3105<2; business has 500 or more employees: X3111>=500/X3211>=500; no institutions used or already listed: X3160=(-1,1)/X3260 =(-1,1)) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X3164 X3165 X3166 X3167 X3168 X3169 X3170 X3171 (#1) X3264 X3265 X3266 X3267 X3268 X3269 X3270 X3271 (#2) (SHOW CARD 7) What types of business services or products are currently used or obtained from this institution? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN 1. *Business checking or share draft accounts 2. *Business savings, money market, brokerage, or trust accounts 3. *Business lines of credit 4. *Business mortgages 5. *Other business loans or leases 6. *Business credit cards 7. *Credit or debit card payment processing / electronic transfers 10. *Payroll 20. Line of credit, n.e.c. 21. *Business consulting -1. None -7. *OTHER 0. Inap. (/no further responses; no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2; business has 500 or more employees: X3111>=500/X3211>=500; no institution used: X3160=-1/X3260=-1) X3128(#1) What percentage of the business do you (and your family X3228(#2) living here) own? PERCENT * 100: 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3172(#1) What fraction of (this {X3128/X3228} percent share/the X3272(#2) business) do you personally own? PROBE IF NECESSARY: Sometimes spouses/partners share ownership in a business. We are interested in knowing the part owned by each person. What part of this share is your personal share in this business? OTHER PERCENT OF SHARE: PERCENT * 100 (see X3128): -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1 / fewer than 2 actively managed businesses: X3105<2 ; no spouse or partner in PEU: X107^=1;) X3129(#1) What is the net worth of (your share of) this business? X3229(#2) What is the net worth of the share owned by you and your family living here? PROBE: What could you sell it for? IF R SAYS THE BUSINESS IS WORTH NOTHING OR CANNOT BE SOLD, ASK: About how much much would it cost to buy a similar asset? THE VALUE SHOULD BE NET OF ALL LOANS. DO NOT INCLUDE THE VALUE OF FARM LAND, STRUCTURES OR LOANS RECORDED EARLIER. INCLUDE THE VALUE OF CROPS, ANIMALS, IMPLEMENTS AND MATERIALS $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3130(#1) If you sold the business now, what would be the cost basis for X3230(#2) tax purposes (of your share of this business)? If you sold the business now, what would be the cost basis for tax purposes of the share that belongs to you and your family living here? PROBE ONLY IF NECESSARY: (What was your original investment?/ What was the value when you received it?) DEFINITION: The tax basis is the amount of the original investment (or the value when it was received) plus additional investments minus depreciation. -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3131(#1) What were the gross sales of the business as a whole in X3231(#2) 2015? READ ONLY IF NECESSARY: What was the total income received for goods sold or services performed by the business in 2015 PARTNERSHIP: IRS FORM 1065, LINE 1C SOLE-PROPRIETORSHIP: IRS FORM 1040, SCH. C, LINE 1 S-CORPORATION: IRS FORM 1120S, LINE 1C OTHER CORPORATION: IRS FORM 1120S, LINE 1C IF BUSINESS NEW SINCE LAST YEAR CODE ZERO. $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3132(#1) What was the business's total pre-tax net income in 2015? X3232(#2) READ ONLY IF NECESSARY: What was the pre-tax profit of the business in 2015? TO ENTER A LOSS, ENTER THE MINUS SIGN (HYPHEN) FOLLOWED BY THE NUMBER. PARTNERSHIP: ORDINARY INCOME/LOSS: IRS FORM 1065, LINE 22 SOLE-PROPRIETORSHIP: NET PROFIT/LOSS: IRS FORM 1040, SCH. C, LINE 31 S-CORPORATION: NET INCOME: IRS FORM 1120S, LINE 21 OTHER CORPORATION: TAXABLE INCOME BEFORE NET OPERATING LOSS DEDUCTION: IRS FORM 1120 LINE 30 $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [-9999999999,...,9999999999] ********************************************************* EDIT CHECK: If net income is greater than gross receipts: IF X3132>X3131 CAPI text displayed: ATTENTION: REPORTED NET INCOME IS GREATER THAN REPORTED GROSS INCOME. GENERALLY, NET INCOME IS LESS THAN GROSS INCOME, BUT SOMETIMES THE REVERSE IS POSSIBLE. IF POSSIBLE, PLEASE PROBE/CONFIRM. CONFIRM LATER CONFIRM NOW ********************************************************* X3335(#3) For the remaining businesses you (and your family living here) own and actively manage, what could you sell your share for? PROBE: What is your share worth? THE VALUE SHOULD BE NET OF ALL LOANS $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 3 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8425(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3336(#3) For these remaining businesses, if you sold these businesses now, what would be the cost basis for tax purposes of your share? PROBE IF R UNSURE: What was your original investment? $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 3 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8426(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3337(#3) For these remaining businesses, what was the total net income you (and your family living here) received from these businesses in 2015? $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 3 actively managed businesses: X3105<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [-999999999,...,999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8427(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3174 Do any of these businesses have fewer than 500 employees? 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1) X3175 (Has the business/Have any of the businesses) applied for any type of credit or loan in the past twelve months? 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1) X3176 In the past twelve months, has a particular lender or creditor turned down any request (the business/ any of the businesses) made for credit, or not given the business as much credit as requested? IF YES, 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 businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1; no credit or loan applications in the past five years: X3175^=1) X3177 Did the business later obtain the full amount requested, either by reapplying to the same institution or by applying elsewhere? 1. *YES, BY REAPPLYING TO SAME INSTITUTION 2. *YES, BY APPLYING ELSEWHERE 3. *DID NOT REAPPLY 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1; no credit or loan applications in the past five years: X3175^=1; not turned down in past five years: X3176 ^=(1, 3)) X3178 On the most recent occasion, what reasons were given for being turned down for credit? On the most recent occasion, what reasons were given for being unable to get as much credit as the business applied for? 11. Insufficient collateral or no guarantee available 12. Loan too large 13. Loan too small 14. Size of loan (small vs. large n/a) 21. Loan would overconcentrate institution portfolio 22. Institution does not like to make loans of this type 30. Credit history, not otherwise specified 31. Business credit history 32. Personal credit history 33. Poor balance sheet or financial situation (included embezzlement, fraud, theft) 34. Firm would fail institution's formula or guidelines (included owner too young (age), lack of business 35. Ability to renew/repay questionable 36. Firm not in business long enough (included young management) 41. Firm too small for institution, too few assets 42. Large amount of outstanding loans, overextended 43. Firm too highly leveraged, too little equity 44. Firm too large 45. Firm in decline or risky industry 46. Bad fit between institution and firm 47. Tax lien, judgments - personal or business/ law suits 51. Inability to audit account 52. Insufficient time to process application 53. Inadequate documentation provided 54. Federal rules or regulations make loan difficult or impossible 55. Conflict of interest for institution 56. Economy, slow economy, weak economy 61. Institution made a mistake 62. Informational problem, fact blown out of proportion 63. Arbitrariness 64. Personalities conflict 65. Prejudice on racial/ethnic basis 66. Prejudice against women 67. Prejudice against business location 68. Prejudice against business type 69. Prejudice or discrimination (not specified or other) 71. Experience with previous loan applications 72. Banks do not loan to (small) business (includes answers that indicate individual is self-employed or no employees) 90. Didn't approve of purpose for which money was to be borrowed 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1; no credit or loan applications in the past five years: X3175^=1; not turned down in past five years: X3176 ^=(1, 3)) X3179 Was there any time in the past twelve months that (the business/ any of the businesses) thought of applying for credit at a particular place, but decided not to because it was thought it might be turned down? 1. *YES 5. *NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1) X3180 On the most recent occasion, why did you expect to be turned down? 11. Insufficient collateral or no guarantee available 12. Loan too large 13. Loan too small 14. Size of loan (small vs. large n/a) 21. Loan would overconcentrate institution portfolio 22. Institution does not like to make loans of this type 30. Credit history, not otherwise specified 31. Business credit history 32. Personal credit history 33. Poor balance sheet or financial situation (included embezzlement, fraud, theft) 34. Firm would fail institution's formula or guidelines (included owner too young (age), lack of business 35. Ability to renew/repay questionable 36. Firm not in business long enough (included young management) 41. Firm too small for institution, too few assets 42. Large amount of outstanding loans, overextended 43. Firm too highly leveraged, too little equity 44. Firm too large 45. Firm in decline or risky industry 46. Bad fit between institution and firm 47. Tax lien, judgments - personal or business/ law suits 51. Inability to audit account 52. Insufficient time to process application 53. Inadequate documentation provided 54. Federal rules or regulations make loan difficult or impossible 55. Conflict of interest for institution 56. Economy, slow economy, weak economy 61. Institution made a mistake 62. Informational problem, fact blown out of proportion 63. Arbitrariness 64. Personalities conflict 65. Prejudice on racial/ethnic basis 66. Prejudice against women 67. Prejudice against business location 68. Prejudice against business type 69. Prejudice or discrimination (not specified or other) 71. Experience with previous loan applications 72. Banks do not loan to (small) business (includes answers that indicate individual is self-employed or no employees) 90. Didn't approve of purpose for which money was to be borrowed 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; no businesses with less than 500 employees: X3174^=1; did not expect to be turned down: X3179^=1) ----------------------------------------------------------------------------- NON-ACTIVELY MANAGED BUSINESSES ----------------------------------------------------------------------------- X3401 Do you (or anyone in your family living here) own or share ownership in any other businesses, business investments or other private equity that are not publicly traded and where you do NOT have an active management role? IF YES: Please do not include any assets reported earlier. 1. *YES 5. *NO X3402 In how many businesses do you (and your family living here) own or share ownership (where you do not have an active management role)? NUMBER OF SUCH BUSINESSES: 0. Inap. (no businesses: X3103^=1; no non-actively managed businesses: X3401^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 51: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 25 ********************************************************* ----------------------------------------------------------------------------- #1 refers to limited partnerships #2 refers to other partnerships #3 refers to LLCs #4 refers to subchapter S corporations #5 refers to other types of corporations #6 refers to all other non-actively managed businesses ----------------------------------------------------------------------------- X3407(#1) X3411(#2) X3451(#3) X3415(#4) X3419(#5) X3427(#6) Is it a limited partnership, another type of partnership, an LLC, a subchapter S corporation, another type of corporation, or something else? (I need to know what type of businesses these are.) X3407: Are any of them limited partnerships? X3411: Are any of them other partnerships? X3451: Are any of them LLCs? X3415: Are any of them subchapter S corporations? X3419: Are any of them other corporations? X3427: 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) X3408(#1) X3412(#2) X3452(#3) X3416(#4) X3420(#5) X3428(#6) What could you sell your (family's) share for? What could you sell your (family's) (share of all these)... X3408: ...limited partnerships... X3412: ...other partnerships... X3452: ...LLCs... X3416: ...subchapter S corporations... X3420: ...other corporations... X3428: ...(other type)... ...for? PROBE: What is it worth? IF R SAYS THE BUSINESS IS WORTH NOTHING OR CANNOT BE SOLD, ASK: About how much would it cost to buy a similar asset? -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/X3451^=1/ X3415^=1/X3419^=1/X3427^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8452 Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no businesses: X3103^=1 no non-actively managed businesses: X3401^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3409(#1) X3413(#2) X3453(#3) X3417(#4) X3421(#5) X3429(#6) If you sold this business now, what would be the cost basis for tax purposes? If you sold (this/these)... X3409: ...limited partnerships... X3413: ...other partnerships... X3453: ...LLCs... X3417: ...subchapter S corporations... X3421: ...other corporations... X3429: ...(other type)... ...now, what would be the cost basis for tax purposes? PROBE ONLY IF NECESSARY: What was your original investment? -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/X3451^=1/ X3415^=1/X3419^=1/X3427^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8453 Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no businesses: X3103^=1 no non-actively managed businesses: X3401^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3410(#1) X3414(#2) X3454(#3) X3418(#4) X3422(#5) X3430(#6) What was the total net income you (and your family living here) received from this business in 2015? What was the total net income you (and your family living here) received from all such... X3410: ...limited partnerships... X3414: ...other partnerships... X3454: ...LLCs... X3418: ...subchapter S corporations... X3422: ...other corporations... X3430: ...(other type)... ...in 2015? -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/X3451^=1/ X3415^=1/X3419^=1/X3427^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [-999999999,...,999999999] ********************************************************* X8454 Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no businesses: X3103^=1 no non-actively managed businesses: X3401^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [-99999999,...,999999999] ********************************************************* 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) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- VEHICLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- VEHICLES SUPPLIED BY A BUSINESS ----------------------------------------------------------------------------- X2501 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 your family living here) have any such business vehicles? 1. *YES 5. *NO X2502 How many such vehicles do you (or someone in your family living here) regularly use? NUMBER OF VEHICLES: 0. Inap. (no vehicles supplied by a business: X2501^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 6: UNLIKELY VALUE ERROR MESSAGE ********************************************************* 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 (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/How) many cars or other vehicles do you lease? (Not counting vehicles leased by a business, how/How) many cars or other vehicles do you and your family living here lease? NUMBER OF VEHICLES (DETAILED QUESTIONS ON 2): 0. Inap. (no personally leased vehicles: X2101^=1) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 3 ********************************************************* X6690 Originally reported value of X2102 (see introduction) NUMBER OF VEHICLES (DETAILED QUESTIONS ON 2): 0. Inap. (no personally leased vehicles: X2101^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 6: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, 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 ----------------------------------------------------------------------------- TO SEE THE FULL LIST OF MAKES OR MODELS, ENTER AN ASTERISK (*) INTO THE APPROPRIATE TEXTBOX BY PUSHING THE SHIFT AND 8 KEY AT THE SAME TIME. IF YOU CANNOT FIND A NAME IN THE MAKE, MODEL, OR YEAR LIST, TYPE THE RESPONSE IN THE APPROPRIATE BOX. What model year, make and model is it? PROBE FOR FULL MODEL NAME. MASTER VEHICLE MANUFACTURER LIST X7023(#1) MAKE: X7025(#2) 1. American Motors (AMC) 8. Buick 12. Cadillac 20. Chevrolet 24. Chrysler 28. Dodge 33. Ford 37. GMC 42. Eagle 43. Jeep 44. Lincoln 48. Mercury 50. Oldsmobile 56. Plymouth 61. Pontiac 62. Saturn 64. Alfa Romeo 65. Audi 66. Acura 67. Kia 68. Hyundai 69. BMW 70. Daihatsu 71. Nissan/Datsun 72. Daewoo 73. Fiat 74. Isuzu 75. Jaguar 76. Mazda 77. Honda 78. MG 79. Mercedes-Benz 80. Lancia 81. Mitsubishi 82. Merkur 84. Peugeot 85. Porsche 86. Renault 87. Geo 88. Infiniti 89. Lexus 90. Sterling 91. Saab 92. Suzuki 93. Toyota 94. Subaru 96. Land Rover 97. Volkswagen 98. Volvo 200. Aston Martin 201. Austin Healey 202. Bentley 203. Citroen 204. DeTomaso 205. Ferrari 206. Hallenbeck 207. Hummer 208. International (IH) 209. Lamborghini 210. Lotus 211. Mack 212. Maserati 213. Mini Cooper 214. Packard 215. Peterbuilt 216. Pierce Arrow 217. Qvale 218. Rolls Royce 219. Saleen 220. Scion 221. Shelby 222. Studebaker 223. Triumph (TR) 224. Viper 225. Willis 226. Yukon 227. Zimmer 228. Morris 229. Nash 230. Morgan 231. Riley 232. Freightliner 233. Alvis 234. Smart 235. Tesla 236. Bugatti 237. Fisker 238. Stutz 239. McLaren -7. OTHER 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1900,...,9999] IF < 1900 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8095 + 1: GREATER THAN NEXT YEAR ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7024(#1) MODEL: X7026(#2) 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2104(#1) MODEL YEAR: X2111(#2) 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-20,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 ********************************************************* X8163(#1) Recode: prevailing retail VALUE OF VEHICLE as of fall 2016 X8164(#2) according to industry guidebook 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) $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2106(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X2113(#2) (And that amount is per...?) FREQUENCY: 2. *Week 3. Every two weeks 4. *Month 5. Quarter 6. Year 8. Lump sum/one payment only -1. None -2. NO REGULAR PAYMENT -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) NUMBER OF YEARS: X2114(#2) -1. Less than one year 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2; number of months given: X2108/X2115>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 6: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X2108(#1) NUMBER OF MONTHS: X2115(#2) 0. Inap. (no personally leased vehicles: X2101^=1/ fewer than 2 leased vehicles: X2101<2; number of years given: X2107/X2114>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2117(#3) Altogether, about how much are the lease payments on your other leased vehicle(s)? -1. None -2. NO REGULAR PAYMENT 0. Inap. (no personally leased vehicles: X2101^=1; fewer than 3 leased vehicles: X2102<3) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2118(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 1. Day 2. *Week 3. Every two weeks 4. *Month 5. Quarter 6. Year 8. Lump sum/one payment only -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no personally leased vehicles: X2101^=1; fewer than 3 leased vehicles: X2102<3) X8428(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no personally leased vehicles: X2101^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8429(#3) Original value of frequency. FREQUENCY: 2. *Week 3. Every two weeks 4. *Month 5. Quarter 6. Year 8. Lump sum/one payment only -1. None -2. NO REGULAR PAYMENT -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 (or anyone in your family living here) own any cars, or any kind of truck, van or sport utility vehicle (SUV)? IF YES: Please do not include motorcycles, tractors, snow blowers, etc., or any vehicles owned by a business. INCLUDE VEHICLES THAT ARE (OR COULD EASILY BE) IN RUNNING CONDITION. 1. *YES 5. *NO X2202 Altogether, how many such cars or vehicles do you (or your family living here) own? NUMBER OF OWNED VEHICLES (DETAILED QUESTIONS ON 4): 0. Inap. (no owned cars etc.: X2201^=1) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 10 ********************************************************* X6691 Originally reported value of X2202 (see introduction) NUMBER OF OWNED VEHICLES (DETAILED QUESTIONS ON 4): 0. Inap. (no owned cars etc.: X2201^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 6: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, 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 something else? 1. *Car 2. *Van/minivan 3. *Sport utility vehicle (SUV) 4. *Pickup 5. Antique/classic/collector vehicle 6. Truck (except pickup) 8. *Station wagon -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 DATA SET, CODES 5 AND 6 ARE COMBINED WITH -7 ********************************************************* TO SEE THE FULL LIST OF MAKES OR MODELS, ENTER AN ASTERISK (*) INTO THE APPROPRIATE TEXTBOX BY PUSHING THE SHIFT AND 8 KEY AT THE SAME TIME. IF YOU CANNOT FIND A NAME IN THE MAKE, MODEL, OR YEAR LIST, TYPE THE RESPONSE IN THE APPROPRIATE BOX. What model year, make and model is it? PROBE FOR FULL MODEL NAME. See MASTER VEHICLE MANUFACTURER LIST at X7023 X7027(#1) MAKE: X7029(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X7031(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7033(#4) fewer than 4 cars: X2202<4) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7028(#1) MODEL: X7030(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X7032(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7034(#4) fewer than 4 cars: X2202<4) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2205(#1) MODEL YEAR: X2305(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X2405(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7152(#4) fewer than 4 cars: X2202<4) ********************************************************* ORIGINALLY ALLOWED VALUES: [1900,...,X8095+1] IF < 1900 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8095 + 1: GREATER THAN NEXT YEAR ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 ********************************************************* X8166(#1) Recode: prevailing retail VALUE OF VEHICLE as of fall 2016 X8167(#2) according to industry guidebook (NADA) X8168(#3) X8188(#4) 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) When you got it, was 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 get it? X7539(#2) X7538(#3) YEAR: 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^=2/X7542^=2/X7541^=2/ X7153^=2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1900,...,X8095] IF < 1900 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8095: GREATER THAN CURRENT YEAR ERROR MESSAGE IF < X2205/X2305/X2405/X7152 - 1: YEAR COMPARED TO MODEL YEAR ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 AND TOP-CODED AT 2016 ********************************************************* X2206(#1) Not counting any loans I've already recorded, is any money X2306(#2) still owed on loans for this (year 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) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2208(#1) YEAR: X2308(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X2408(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7157(#4) fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/X7155^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X2207/X2307/X2407/X7156 > X3 AND X2208/X2308/X2408/X7157=X8095: FUTURE DATE ERROR MESSAGE ********************************************************* EDIT CHECK: If (X2208/X2308/X2408/X7157) + 1 < (X2205/X2305/X2405/X7152): ATTENTION: R REPORTED THE LOAN WAS TAKEN OUT IN (X2208/X2308/X2408/X7157), MORE THAN A YEAR BEFORE THE MODEL YEAR OF (X2205/X2305/X2405/X7152). THIS WOULD BE UNUSUAL. IF POSSIBLE, PLEASE PROBE/CONFIRM. COMMENT LATER COMMENT NOW If (X2208/X2308/X2408/X7157) < (X7540/X539/X7538/X7154): ATTENTION: R REPORTED THE LOAN WAS TAKEN OUT IN (X2208/X2308/X2408/X7157), BEFORE THE CAR WAS BOUGHT IN (X7540/X7539/X7538/X7154). THIS WOULD BE VERY UNUSUAL. IF POSSIBLE, PLEASE PROBE/CONFIRM. COMMENT LATER COMMENT NOW ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 AND TOP-CODED AT 2016 ********************************************************* X2209(#1) How much was borrowed or financed? X2309(#2) X2409(#3) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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(#3) 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) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > 10: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X2211(#1) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 121: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X9162(#1) Recode: term of loan in months X9163(#2) X9164(#3) NUMBER OF MONTHS: X9179(#4) -1. No set number of years/payments -7. Unable to calculate from number of years/payments 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 DATA SET ********************************************************* X2213(#1) How much are the payments? X2313(#2) X2413(#3) $ AMOUNT: X7162(#4) -1. None -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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7537(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X7536(#2) (And that amount is per...?) X7535(#3) X7163(#4) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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) $ AMOUNT: X7164(#4) -1. None -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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2215(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X2315(#2) (And that amount is per...?) X2415(#3) X7165(#4) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 31. *Twice a month -1. None -2. NO TYPICAL 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) 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/ X7532=1/X7166=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2217(#1) YEAR: X2317(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 X2417(#3) cars: X2202<2/fewer than 3 cars: X2202<3/ X7168(#4) 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/ X7532=1/X7166=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X2216/X2316/X2416/X7167 < X3 AND X2217/X2317/X2417/X7168 =X8095: DATE IN PAST ERROR MESSAGE ********************************************************* X2218(#1) How much is still owed on this loan? X2318(#2) X2418(#3) $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount owed is greater than the amount borrowed: IF X2218/X2318/X2418/X7169 > X2209/X2309/X2409/X7158: CAPI test displayed: ATTENTION: AMOUNT OWED IS GREATER THAN THE AMOUNT BORROWED. PLEASE CONFIRM THAT AMOUNT OWED X2218/X2318/X2418/ X7169 AND AMOUNT BORROWED X2209/X2309/X2409/X7158 ARE CORRECT COMMENT LATER COMMENT NOW ********************************************************* X2219(#1) What is the current annual rate of interest being charged X2319(#2) on this loan? X2419(#3) X7170(#4) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2220(#1) Please look at the list of institutions you wrote down. X2320(#2) Is the loan with any of the institutions on the list, or from X2420(#3) someplace else? X7171(#4) IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 14, 15, 21 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY 15. *DEALER 21. *AUTO FINANCE (E.G., GM FINANCIAL, FORD CREDIT) -7. *A PERSON OR OTHER NON-INSTITUTION 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) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9102(#1) Recode: type of institution X9103(#2) X9104(#3) See MASTER INSTITUTION 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) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X2422(#5) How much are all the other such vehicles that you (and others in your family living here) own worth? (What would you get if you sold them today?) How much is the other such vehicle that you (and others in your family living here) own worth? (What would you get if you sold it today?) $ AMOUNT: 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8430(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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) 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? $ AMOUNT: 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5; no loan on car: X2423^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8432(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no owned cars etc.: X2201^=1; did not break off early in grid; no money owned on residual vehicles: X8431^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2425(#5) How much are the payments on these loans? How much are the payments on this loan? $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5; no loan on car: X2423^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2426(#5) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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) $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no owned cars etc.: X2201^=1; did not break off early in grid; no money owned on residual vehicles: X8431^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8434(#5) Original value of frequency. FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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: X8431^=1) ----------------------------------------------------------------------------- OTHER OWNED VEHICLES ----------------------------------------------------------------------------- X2503 Do you (or anyone in your family living here) own any other vehicles such as a motor home, RV, motorcycle, boat, or airplane? INCLUDE ANIMAL TRAILERS, GOLF CARTS, SNOWMOBILES, GLIDERS, ETC. DO NOT INCLUDE 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? NUMBER OF VEHICLES (DETAILED QUESTIONS ON 2): 0. Inap. (no other vehicles: X2503^=1) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 5 ********************************************************* X6692 Originally reported value of X2504 (see introduction) NUMBER OF VEHICLES (DETAILED QUESTIONS ON 2): 0. Inap. (no other vehicles: X2503^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 11: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 5 ********************************************************* ----------------------------------------------------------------------------- #1 refers to first other owned vehicle #2 refers to second other owned vehicle #3 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? Is it a motor home, RV, motorcycle, boat, airplane, or something else? 1. *motor home 2. *RV; recreation vehicle 3. *airplane; helicopter 4. *boat 6. Camper/(house) trailer (except 16,17) 9. Tractor 11. *motorcycle; motor scooter 12. Snowmobile 13. Golf cart 14. Non-automobile off-road vehicle/ATV/four wheeler; kart, dragster; toy car 15. Miscellaneous construction/equipment vehicle 16. Horse trailer 17. Other trailer (e.g., boat trailers) 18. Non-boat water vehicle 19. Glider, hot air balloon, other airborne vehicle n.e.c. 20. Bus 21. Horse and carriage/buggy -7. *Other 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2) ********************************************************* FOR THE PUBLIC DATA SET, CODES 2 AND 6 ARE COMBINED WITH CODE 1; CODES 4 AND 19 ARE COMBINED WITH CODE 3; CODE 9 IS COMBINED WITH CODE 15; CODES 13 AND 14 ARE COMBINED WITH CODE 12; CODE 16 IS COMBINED WITH CODE 17; CODE 21 IS COMBINED WITH CODE 11 ********************************************************* X2506(#1) About how much is this (vehicle type) worth? X2606(#2) IF PEU OWNS ONLY PART, RECORD VALUE OF PEU'S SHARE. $ AMOUNT: 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2507(#1) Not counting any loans that I have already recorded, is any X2607(#2) money still owed on loans for this (vehicle type)? Not counting any loans that 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 2 other vehicles: X2504<2) In what month and year was the loan taken out? X2508(#1) 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; no loan on vehicle: X2507^=1/X2607^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2509(#1) YEAR: X2609(#2) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X2508/X2608 > X3 AND X2509/X2609=X8095: FUTURE DATE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 AND TOP-CODED AT 2016 ********************************************************* X2510(#1) How much was borrowed or financed, not counting the X2610(#2) finance charges? IF PEU OWNS ONLY PART, RECORD ONLY LOAN TERMS THAT REFER TO THE PEU. $ AMOUNT: 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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; no loan on vehicle: X2507^=1/X2607^=1) How many monthly payments or years were agreed upon when the loan was received? X2513(#1) 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; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >10: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X2512(#1) 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; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 121: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X9165(#1) Recode: term of loan in months X9166(#2) NUMBER OF MONTHS: -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; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2514(#1) How much are the payments? X2614(#2) IF PEU OWNS ONLY PART, RECORD ONLY THE PAYMENT THE PEU MAKES $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7531(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X7530(#2) (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; 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) $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1; regular loan and regular payments: X2511=1 and X2514>0/X2611=1 and X2614>0) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2516(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X2616(#2) (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; 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; 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) 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; no loan on vehicle: X2507^=1/X2607^=1; payments on schedule: X7529=1/X7528=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2518(#1) YEAR: X2618(#2) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1; payments on schedule: X7529=1/X7528=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X2509/X2609 = X2518/X2618 AND X2517/X2617 < X2508/X2608: DATE IN PAST ERROR MESSAGE ********************************************************* X2519(#1) How much is still owed on this loan? X2619(#2) IF PEU OWNS ONLY PART, RECORD ONLY THE AMOUNT OWED BY THE PEU $ AMOUNT: 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount owed is greater than the amount borrowed: IF X2519/X2619 > X2510/X2610: CAPI test displayed: ATTENTION: AMOUNT OWED IS GREATER THAN THE AMOUNT BORROWED. PLEASE CONFIRM THAT AMOUNT OWED X2519/X2619 AND AMOUNT BORROWED X2510/X2610 ARE CORRECT COMMENT LATER COMMENT NOW ********************************************************* X2520(#1) What is the current annual rate of interest being charged X2620(#2) on this loan? PERCENT * 100: -1. Nothing 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2521(#1) Please look at the list of institutions you wrote down. X2621(#2) Is the loan with any of the institutions on the list, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 14, 15, 21 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY 15. *DEALER 21. *AUTO FINANCE (E.G., GM FINANCIAL, FORD CREDIT) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9105(#1) Recode: type of institution X9106(#2) See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2; no loan on vehicle: X2507^=1/X2607^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X2623(#3) 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? IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE. $ AMOUNT: 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<3) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8435(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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<3) 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? IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE $ AMOUNT: 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<3; no money owed on vehicle: X2624^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8437(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid; no loans on residual vehicles: X8436^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2626(#3) How much are the payments on these loans? How much are the payments on this loan? IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<3; no money owed on vehicle: X2624^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2627(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<3; 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) $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid; no loans on residual vehicles: X8436^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8439(#3) Original value of frequency. FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid; fewer than 3 other vehicles: X2504<2; no money owed on vehicle: X2624^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- EDUCATION LOANS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X7801 Do you (and your family living here) owe any money or have any student loans for educatinal expenses? IF YES: Please do not include any credit cards or other loans I have already recorded. DO NOT INCLUDE TUITION BILLS THAT HAVE ARRIVED BUT ARE NOT YET PAID. 1. *YES 5. *NO X7802 How many such loans are there? IF ORIGINALLY MANY LOANS, BUT NOW CONSOLIDATED, RECORD THE CONSOLIDATED NUMBER. IF MULTIPLE LOANS FROM ONE SOURCE THAT ARE TREATED BY THE LENDER AS ONE ACCOUNT, TREAT AS ONE LOAN HERE. NUMBER OF LOANS (DETAILED QUESTIONS ON 6): 0. Inap. (no education loans: X7801^=1) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 7 ********************************************************* X6693 Originally reported value of X7802 (see introduction) NUMBER OF LOANS (DETAILED QUESTIONS ON 6): 0. Inap. (no education loans: X7801^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 11: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, 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 ----------------------------------------------------------------------------- X7978(#1) For whose education was (this/the largest/ X7883(#2) the next largest) loan taken out? X7888(#3) X7893(#4) 1. *Respondent X7898(#5) 2. *Spouse/Partner X7993(#6) 3. *Child 4. *Grandchild 5. *Other relative -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) X7805(#1) How much was borrowed or financed (for this loan), not counting the finance X7828(#2) charges? X7851(#3) X7905(#4) $ AMOUNT: X7928(#5) 0. Inap. (no education loans: X7801^=1/less than 2 X7951(#6) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7879(#1) Is this loan a federal student loan such as Stafford, Direct, PLUS, or Perkins? X7884(#2) X7889(#3) 1. *YES X7894(#4) 5. *NO X7899(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X7994(#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) In what year (or at what age) did (you/he/she/he or she) last attend the educational program this loan was used to pay for? X7880(#1) YEAR: X7885(#2) -1. Still enrolled X7890(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X7895(#4) X7802<2/less than 3 loans:X7802<3/less than 4 loans: X7900(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7995(#6) X7802<6; R/Sp not owner of loan: X7978/X7883/X7888/ X7893/X7898/X7993 ^= (1,2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [1900,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8030(#1) YEARS AGO: X8032(#2) -1. Still enrolled X8034(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X8036(#4) X7802<2/less than 3 loans:X7802<3/less than 4 loans: X8038(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X8040(#6) X7802<6) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,90] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8031(#1) AGE: X8033(#2) -1. Still enrolled X8035(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans: X8037(#4) X7802<2/less than 3 loans:X7802<3/less than 4 loans: X8039(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X8041(#6) X7802<6; loan not for R or SP: X7978^=(1,2)/ X7883^=(1,2)/X7888^=(1,2)/X7893^=(1,2)/ X7898^=(1,2)/X7993^=(1,2)) ********************************************************* ORIGINALLY ALLOWED VALUES: [13,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >X8022/X104: GREATER THAN CURRENT AGE ERROR MESSAGE ********************************************************* X7881(#1) Did (you/he/she/he or she) complete the educational program X7886(#2) this loan was used to pay for? X7891(#3) X7896(#4) 1. *YES X7901(#5) 5. *NO X7996(#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; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/ X7895=-1/X7900=-1/ X7995=- 1) X7806(#1) (Are you/Is he/Is she/Is he or she) making payments on this X7829(#2) loan now? X7852(#3) X7906(#4) 1. *YES X7929(#5) 5. *NO X7952(#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; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) X9300(#1) What is the reason that (you are/he is/she is/he or she is) not X9301(#2) making payments on (your/his/her/his or her) loan? (Are you/Is he/ X9302(#3) Is she/Are they) in a post-graduation grace period, in a job or public X9303(#4) service related loan forgiveness program, or simply unable to afford X9304(#5) the loan payment? X9305(#6) 1. *LOAN FORBEARANCE OR POST-GRADUATION GRACE PERIOD 2. *JOB OR PUBLIC SERVICE LOAN FORGIVENESS PROGRAM 3. *UNABLE TO AFFORD LOAN 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; still enrolled: X7880=-1/X7885=-1/ X7890=-1/ X7895=-1/X7900=-1/X7995=- 1; making payments on loan: X7806/X7829/X7852/X7906/X7929/X7952=1;) ********************************************************* FOR PUBLIC DATA SET, CODE 2 IS COMBINED WITH CODE 1 ********************************************************* X7421(#1) Is the amount owed on this loan being completely forgiven or partially X7423(#2) forgiven? X7425(#3) X7427(#4) 1. *COMPLETELY FORGIVEN X7429(#5) 2. *PARTIALLY FORGIVEN X7431(#6) -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 in loan forgiveness program: X9300^=2/X9301=^2/ X9302^=2/X9303^=2/X9304^=2/9305^=2; still enrolled: X7880=-1/X7885=-1/ X7890=-1/ X7895=-1/X7900=-1/X7995=- 1; making payments on loan: X7806/X7829/X7852/ X7906/X7929/X7952=1;) ********************************************************* FOR THE PUBLIC DATA SET, DUE TO THE COLLAPSING CODES FOR X9300-X9305, X7421/X7423/X7425/X7427/ X7429/X7431 WILL BE INAP IN ALL CASES AND IS NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7422(#1) (Are you/Is he/Is she/Is he or she) in an income based repayment program, X7424(#2) receiving a hardship deferral on the loan payment, or X7426(#3) something else? X7428(#4) X7430(#5) 1. *INCOME BASED REPAYMENT X7432(#6) 2. *HARDSHIP DEFERRAL ON LOAN PAYMENT 3. Other not paying -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; paying on loan now: X7806^=5/X7829^=5/X7852^=5/X7906^=5/X7929^=5/X7952^=5; post graduation grace period: X9300=1/X9301=1/X9302=1/ X9303=1/X9304=1/X9305=1; loan forgiveness program: X9300=2/X9301=2/X9302=2/X9303=2/X9304=2/X9305=2; still enrolled: X7880=-1/X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1; making payments on loan: X7806/X7829/X7852/X7906/ X7929/X7952=1;) How many monthly payments or years were agreed upon when the loan was received? X7813(#1) 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 X7936(#5) loans; X7802<2/less than 3 loans: X7959(#6) X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; loan fully forgiven: X7421=1/X7423=1/X7425=1/ X7427=1/X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > 10: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X7814(#1) 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 X7937(#5) loans; X7802<2/less than 3 loans: X7960(#6) X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6; loan fully forgiven: X7421=1/X7423=1/X7425=1/ X7427=1/X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 121: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X9173(#1) Recode: term of loan in months X9174(#2) X9175(#3) NUMBER OF MONTHS: X9176(#4) -1. No set number of years/payments X9177(#5) -7. Unable to calculate from number of years/payments X9178(#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; loan fully forgiven: X7421=1/X7423=1/X7425=1/ X7427=1/X7429=1/X7431=1) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* When will (you/he/she/he or she) start paying on this loan? IF PEU NEVER EXPECTS TO START PAYING ON LOAN, PRESS [F6] FOR MONTH AND YEAR AND MAKE AN [F2] COMMENT X7807(#1) 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 -1. Never 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/ X7906^=5/X7929^=5/X7952^=5; loan fully forgiven: X7421=1/X7423=1/ X7425=1/X7427=1/X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7808(#1) YEAR: X7831(#2) -1. Never X7854(#3) 0. Inap. (no education loans: X7801^=1/less than 2 X7908(#4) loans; X7802<2/less than 3 loans: X7931(#5) X7802<3/less than 4 loans: X7802<4/ X7954(#6) less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7906^=5/X7929^=5/X7952^=5; loan fully forgiven: X7421=1/X7423=1/ X7425=1/X7427=1/X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF < X8095 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7809(#1) Is this loan accumulating interest which (you/he/she/he or she) X7832(#2) will eventually have to 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/ X7906^=5/X7929^=5/X7952^=5; loan fully forgiven: X7421=1/X7423=1/ X7425=1/X7427=1/X7429=1/X7431=1) When did (you/he/she/he or she) start making payments on this loan? (TAKE MOST RECENT TIME R BEGAN PAYING ON LOAN). When did (you/he/she/he or she) last make payments on this loan? IF PEU NEVER MADE PAYMENTS ON LOAN, PRESS [F6] FOR MONTH AND YEAR AND MAKE AN [F2] COMMENT. X7810(#1) 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 -1. Never 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; post graduation grace period: X9300=1/X9301=1/X9302=1/X9303=1/ X9304=1/X9305=1; loan forgiveness program: X9300=2/X9301=2/X9302=2/X9303=2/ X9304=2/X9305=2; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7811(#1) YEAR: X7834(#2) -1. Never X7857(#3) 0. Inap. (no education loans: X7801^=1/less than 2 X7911(#4) loans; X7802<2/less than 3 loans: X7934(#5) X7802<3/less than 4 loans: X7802<4/ X7957(#6) less than 5 loans: X7802<5/less than 6 loans: X7802<6; post graduation grace period: X9300=1/X9301=1/X9302=1/X9303=1/ X9304=1/X9305=1; loan forgiveness program: X9300=2/X9301=2/X9302=2/X9303=2/ X9304=2/X9305=2; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X7810/X7833/X7856/X7910/X7933/X7956 > X3 AND X7811/X7834/X7857/X7911/X7934/X7957=X8095: FUTURE DATE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 AND TOP-CODED AT 2016 ********************************************************* X7815(#1) How much are the payments (on this loan)? X7838(#2) X7861(#3) $ AMOUNT: X7915(#4) -1. Nothing X7938(#5) 0. Inap. (no education loans: X7801^=1/less than 2 X7961(#6) 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: X7806^=1/X7829^=1/X7852^=1/X7906^=1/ X7929^=1/X7952^=1; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If payment is zero: IF (X7815/X7838/X7861/X7915/X7938/X7961)=-1 CAPI TEXT DISPLAYED: ATTENTION: R REPORTED MAKING PAYMENTS ON THIS LOAN, BUT THE PAYMENT AMOUNT IS ZERO? CONFIRM R IS MAKING LOAN PAYMENTS. COMMENT NOW COMMENT LATER ********************************************************* X7816(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X7839(#2) (And that amount is per...?) X7862(#3) X7916(#4) FREQUENCY: X7939(#5) 2. *Week X7962(#6) 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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: X7806^=1/X7829^=1/X7852^=1/X7906^=1/ X7929^=1/X7952^=1; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) X9306(#1) Is the payment amount (on this loan) (you/he/she/he or she) owe each month X9307(#2) determined by (your/his/her/his or her) income, for example an Income-Based X9308(#3) Repayment Plan, Pay as you Earn Plan, or Income-Contingent Repayment Plan? X9309(#4) X9310(#5) 1. *YES X9311(#6) 5. *NO 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: X7806^=1/X7829^=1/X7852^=1/X7906^=1/ X7929^=1/X7952^=1; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) ********************************************************* EDIT CHECK (#1): If R has a zero dollar payment on their education loan and isn't in an income based repayment program: IF (X7815=-1 & X9306=5/X7838=-1 & X9307=5/X7861=-1 & X9308=5/X7915=-1 & X9309=5/X7938=-1 & X9310=5/X7961=-1 & X9311=5) CAPI text displayed: ATTENTION: POSSIBLE R PAYMENT ERROR. R REPORTED THAT PAYMENTS ARE BEING MADE ON THE LOAN BUT THAT THE PAYMENT AMOUNT IS ZERO DOLLARS AND THAT THEY ARE NOT ENROLLED IN AN INCOME BASED REPAYMENT PROGRAM. PLEASE EXPLAIN HOW THEY CONSIDER THEMSELVES TO BE MAKING PAYMENTS ON THE LOAN WHEN THEY ARE NOT IN AN INCOME BASED REPAYMENT PROGRAM THAT ALLOWS A ZERO DOLLAR PAYMENT. COMMENT LATER COMMENT NOW ********************************************************* 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: X7806^=1/X7829^=1/X7852^=1/X7906^=1/ X7929^=1/X7952^=1; still enrolled: X7880=-1/ X7885=-1/ X7890=-1/X7895=-1/X7900=-1/ X7995=- 1) In what month and year do you expect this loan to be repaid? IF PEU EXPECTS TO DEFAULT ON LOAN OR LOAN WILL BE PAID OFF BY SPECIAL WORK ARRANGEMENT, PRESS [F6] FOR MONTH AND YEAR AND MAKE AN [F2] COMMENT. X7819(#1) 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 -1. Never 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; loan fully forgiven: X7421=1/X7423=1/X7425=1/X7427=1/ X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X7820(#1) YEAR: X7843(#2) -1. Never X7866(#3) 0. Inap. (no education loans: X7801^=1/less than 2 X7920(#4) loans; X7802<2/less than 3 loans: X7943(#5) X7802<3/less than 4 loans: X7802<4/ X7966(#6) less than 5 loans: X7802<5/less than 6 loans: X7802<6; loan fully forgiven: X7421=1/X7423=1/X7425=1/X7427=1/ X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF (X7819/X7842/X7865/X7919/X7942/X7965 < X3 AND X7820/X7843/X7866/X7920/X7943/X7966 = X8095) OR X7820/X7843/X7866/X7920/X7943/X7966 < X8095: PAST DATE ERROR MESSAGE IF (X7819/X7842/X7865/X7919/X7942/X7965 < (X7807/ X7830/X7853/X7907/X7930/X7953) AND X7820/X7843/X7866/X7920/X7943/X7966 = (X7808/ X7831/X7854/X7908/X7931/X7954) OR X7820/X7843/X7866/X7920/X7943/X7966 <(X7808/ X7831/X7854/X7908/X7931/X7954): BEFORE START MAKING PAYMENTS ERROR MESSAGE ********************************************************* X7822(#1) What is the annual rate of interest charged X7845(#2) on this loan? X7868(#3) X7922(#4) IF R IS NOT ACCUMULATING INTEREST ON THE X7945(#5) LOAN, SAY: X7968(#6) What interest rate will be charged when the loan starts accumulating interest? PERCENT * 100: -1. Nothing 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; loan fully forgiven: X7421=1/X7423=1/X7425=1/X7427=1/ X7429=1/X7431=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7823(#1) (SHOW CARD 8) X7846(#2) X7869(#3) Who is the servicer for this education loan, that is to say the name of the X7923(#4) company who receives the payment for this loan? X7946(#5) X7969(#6) 1. *Aspire Resources Inc. 2. *CornerStone 3. *ESA/EdFinancial 4. *FedLoan Servicing/AES (PHEAA) 5. *Granite State - GSMR 6. *Great Lakes Educational Services, Inc. 7. *MOHELA 8. *Navient (formerly Sallie Mae) 9. *Nelnet (Firstmark) 10. *OSLA Servicing 11. *VSAC Federal Loans 12. *Discover Financial Services 13. *The First Marblehead Corporation 14. *JP Morgan Chase Bank 15. *PNC Bank 16. *SunTrust Bank 17. *U.S. Bank 18. *Wells Fargo Bank 19. *RBS Citizens 20. ACS (Xerox) 21. Credit Union 22. Citibank 32. *College or University 43. Collection Agency, n.e.c. 95. Non-financial institution, n.e.c. 98. Financial institution, n.e.c. -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; loan fully forgiven: X7421=1/X7423=1/X7425=1/X7427=1/ X7429=1/X7431=1) X7824(#1) How much is still owed on this loan? X7847(#2) X7870(#3) $ AMOUNT: X7924(#4) 0. Inap. (no education loans: X7801^=1/less than 2 X7947(#5) loans; X7802<2/less than 3 loans: X7970(#6) X7802<3/less than 4 loans: X7802<4/ less than 5 loans: X7802<5/less than 6 loans: X7802<6) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7179(#7) How much in total is owed on all the remaining loans? $ AMOUNT: 0. Inap. (no education loans: X7801^=1; less than 7 loans: X7802<7) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8440(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no education loans: X7801^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7180(#7) How much in total are all the payments you are making on all the remaining loans? $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no education loans: X7801^=1; less than 7 loans: X7802<7) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7181(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no education loans: X7801^=1; less than 7 loans: X7802<7) X8441(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no education loans: X7801^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8442(#7) Original value of frequency. FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no education loans: X7801^=1; did not break off early in grid) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- OTHER CONSUMER LOANS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X7182 Do you (or anyone in your family living here) owe any money or have any other loans for any reason? (These may be loans for household appliances, furniture, hobby or recreational equipment, medical bills, loans from friends or relatives, loans for a business or investment, or other loans.) IF YES, SAY: Please do not include credit cards or other loans I have already recorded in detail. DO NOT INCLUDE GIFTS/LOANS R IS NOT EXPECTED TO REPAY DO NOT INCLUDE OUTSTANDING BILLS UNLESS THEY ARE MORE THAN 30 DAYS PAST DUE DO NOT INCLUDE MARGIN LOANS OR LOANS AGAINST LIFE INSURANCE OR PENSIONS 1. *YES 5. *NO NOTE: CARD 8 contains the following text in a vertical column: "Loans for household appliances, 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? NUMBER OF LOANS (DETAILED QUESTIONS ON 6): 0. Inap. (no such loans: X7182=5) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 7 ********************************************************* X6694 Originally reported value of X2709 (see introduction) NUMBER OF LOANS (DETAILED QUESTIONS ON 6): 0. Inap. (no such loans: X7182=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 11: UNLIKELY VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, 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 of these other loans for? X2927(#6) See MASTER LOAN PURPOSE 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) ********************************************************* SEE MASTER LOAN PURPOSE LIST FOR INFORMATION ON CODE COLLAPSING FOR LOAN PURPOSE VARIABLES FOR PUBLIC DATA SET ********************************************************* X6842(#1) Is this loan one that you told me about when we talked about X6843(#2) your business? X6844(#3) X6845(#4) 1. *YES X6846(#5) 5. *NO X6847(#6) 6. Yes, link code created at X7551 etc. 7. Yes, partially reported earlier, link code created at X7551 8. Originally reported as YES, but no clear link 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; for each managed business, did not owe that business money and either did not cosign, guarantee or use personal assets for a business loan or report that business loan earlier: ((X3120=(0,5)|X3122=(0,1)) & X3125=(0,5) & (X3220=(0,5)|X3222=(0,1)) & X3225=(0,5)) In what month and year was this loan taken out? X2712(#1) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2713(#1) YEAR: X2730(#2) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2813(#3) X2709<2/fewer than 3 loans: X2709<3/ X2830(#4) fewer than 4 loans: X2709<4/fewer than 5 X2913(#5) loans: X2709<5/fewer than 6 loans: X2930(#6) X2709<6) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-50,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X2712/X2729/X2812/X2829/X2912/X2929 > X3 AND X2713/X2730/X2813/X2830/X2913/X2930 =X8085: FUTURE DATE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, BOTTOM-CODED AT X8095-20 AND TOP-CODED AT 2016 ********************************************************* X2714(#1) How much was borrowed or financed, not counting the X2731(#2) finance charges? X2814(#3) X2831(#4) $ AMOUNT: X2914(#5) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2931(#6) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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) 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: X2917(#5) X2709<2/fewer than 3 loans: X2709<3/ X2934(#6) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 10: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X2716(#1) 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: X2916(#5) X2709<2/fewer than 3 loans: X2709<3/ X2933(#6) 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF >= 121: UNLIKELY VALUE ERROR MESSAGE ********************************************************* X9167(#1) Recode: term of loan in months X9168(#2) X9169(#3) NUMBER OF MONTHS: X9170(#4) -1. No set number of years/payments X9171(#5) -7. Unable to calculate from number of years/payments X9172(#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; not a regular loan: X2715^=1/ X2732^=1/X2815^=1/X2832^=1/X2915^=1/ X2932^=1) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2718(#1) How much are the payments? X2735(#2) X2818(#3) $ AMOUNT: X2835(#4) -1. None X2918(#5) -2. NO REGULAR PAYMENT X2935(#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; 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7527(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X7526(#2) (And that amount is per...?) X7525(#3) X7524(#4) FREQUENCY: X7523(#5) 2. *Week X7522(#6) 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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) $ AMOUNT: X2836(#4) -1. None 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 either regular payments, set number of years number of payments: X2715=1 and (X2716>0 or X2717>0 or X2718>0)/X2732=1 and (X2733>0 or X2734>0 or X2735>0)/ X2815=1 and (X2816>0 or X2817>0 or X2818>0)/X2832=1 and (X2833>0 or X2834>0 or X2835>0)/X2915=1 and (X2916>0 or X2917>0 or X2918>0)/ X2932=1 and (X2933>0 or X2934>0 or X2935>0)) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2720(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. X2737(#2) (And that amount is per...?) X2820(#3) X2837(#4) FREQUENCY: X2920(#5) 2. *Week X2937(#6) 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 22. Varies 31. *Twice a month -1. None -2. NO TYPICAL 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 either regular payments, set number of years number of payments: X2715=1 and (X2716>0 or X2717>0 or X2718>0)/X2732=1 and (X2733>0 or X2734>0 or X2735>0)/ X2815=1 and (X2816>0 or X2817>0 or X2818>0)/X2832=1 and (X2833>0 or X2834>0 or X2835>0)/X2915=1 and (X2916>0 or X2917>0 or X2918>0)/ X2932=1 and (X2933>0 or X2934>0 or 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 set number of payments: X2716<0/ X2733<0/X2816<0/X2833<0/X2916<0/ X2933<0; no regular payment: X2718<0/X2735<0/X2818<0/X2835<0/ X2918<0/X2935<0; no typical payment: X2719<0/ X2736<0/X2819<0/X2836<0/ X2919<0/X2936<0) In what month and year do you expect this loan to be repaid? IF PEU EXPECTS TO DEFAULT ON LOAN, PRESS [F6] FOR MONTH AND YEAR AND MAKE AN [F2] COMMENT. X2721(#1) 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 -1. Never 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,12] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X2722(#1) YEAR: X2739(#2) -1. Never X2822(#3) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2839(#4) X2709<2/fewer than 3 loans: X2709<3/ X2922(#5) fewer than 4 loans: X2709<4/fewer than 5 X2939(#6) loans: X2709<5/fewer than 6 loans: X2709<6; payments on schedule: X7521=1/ X7520=1/X7519=1/X7518=1/X7517=1/ X7516=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095,...,X8095+50] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF (X2721/X2738/X2821/X2838/X2921/X2938)/ (X2722/X2739/X2822/X2839/X2922/X2939) < (X2712/X2729/X2812/X2829/X2912/X2929)/ (X2713/X2730/X2813/X2830/X2913/X2930): LOAN TO BE REPAID BEFORE BEING TAKEN OUT ERROR MESSAGE ********************************************************* X2723(#1) How much is still owed on this loan? X2740(#2) X2823(#3) $ AMOUNT: X2840(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2923(#5) X2709<2/fewer than 3 loans: X2709<3/ X2940(#6) fewer than 4 loans: X2709<4/fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount owed is greater than the amount borrowed: IF X2723/X2740/X2823/X2840/X2923/X2940 > X2714/X2731/X2814/X2831/X2914/X2931: CAPI test displayed: ATTENTION: AMOUNT OWED IS GREATER THAN THE AMOUNT BORROWED. PLEASE CONFIRM THAT AMOUNT OWED X2723/X2740/X2823/ X2840/X2923/X2940 AND AMOUNT BORROWED X2714/X2731/ X2814/X2831/X2914/X2931 ARE CORRECT COMMENT LATER COMMENT NOW ********************************************************* X2724(#1) What is the current annual rate of interest being charged X2741(#2) on this loan? X2824(#3) X2841(#4) IF INTEREST RATE IS HIGHER THAN 100%, ENTER 100% X2924(#5) AND MAKE AN [F2] COMMENT X2941(#6) PERCENT * 100: -1. Nothing 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X2725(#1) Please look at the list of institutions you wrote down. X2742(#2) Is the loan with any of the institutions on the list, or from X2825(#3) someplace else? X2842(#4) X2925(#5) IF INSTITUTIONS CARD: Which institution? X2942(#6) (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 14 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 14. *FINANCE OR LOAN COMPANY -7. *A PERSON OR OTHER NON-INSTITUTION 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) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9107(#1) Recode: type of institution X9108(#2) X9109(#3) See MASTER INSTITUTION LIST for other codes (See X308) X9110(#4) X9111(#5) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X9112(#6) 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) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X7183(#7) How much in total is owed on all the remaining loans? $ AMOUNT: 0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8443(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no such loans: X7182^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7184(#7) How much in total are all the payments you are making on all the remaining loans? $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7185(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -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) $ AMOUNT: -1. None -2. NO REGULAR PAYMENT 0. Inap. (no such loans: X7182=5; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8445(#7) Original value of frequency. FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO REGULAR PAYMENT -7. *Other 0. Inap. (no such loans: X7182=5; did not break off early in grid) ----------------------------------------------------------------------------- OTHER BORROWING EXPERIENCE ----------------------------------------------------------------------------- X7063 During the past year, have you (or anyone in your family living here) taken out a "payday loan," that is, borrowed money that was supposed to be repaid in full out of your next paycheck? IF YES: Please do not include personal loans from family members or friends. 1. *YES 5. *NO X7064(#1) Why did you choose this type of loan? X6365(#2) 1. Buy food 2. Buy gas 3. Buy medicine/medical payments 4. Pay utilities 11. Pay rent 12. Vehicle expenses other than gas 13. Pay other bills/loans 21. "Christmas" 22. Help family 31. "Emergency"/"needed quick money" n.e.c. 32. "Convenient" n.e.c. 33. "Only option" n.e.c. 0. Inap. (no pay-day loans: X7063=5) X3004 Now thinking of all the various loan or mortgage payments you made during the last year, were all the payments made the way they were scheduled, or were payments on any of the loans sometimes made later or missed? 1. *All paid as scheduled or AHEAD OF SCHEDULE 5. *Sometimes got behind or missed payments 0. Inap. (no types of loans: X413=(0, -1) and X421= (0, -1) and X427=(0, -1) and X7577=5 and X723=(0, 5) and X830= (0, 5) and X931=(0, 5) and X1101=5 and X1203=(0, 5) and X2206=(0, 5) and X2306=(0, 5) and X2406=(0, 5) and X7155=(0, 5) and X2507=(0, 5) and X2607=(0, 5) and X7182=5 and X1711=(0, 5) and X1811=(0, 5) and X1317=(0, 5) and X1336=(0, 5) and X1341=(0, 5) and X1032=(0, 5) and X2005=(0, 5) and X2015=(0, 5) and X2423=(0, 5) and X2624=(0, 5) and X7801=5 and X3120=(0, 5) and X3220= (0, 5) and X3125=(0, 5) and X3225= (0, 5)) X3005 Were you ever behind in your payments by two months or more? 1. *YES 5. *NO 0. Inap. (no types of loans: X413=(0, -1) and X421=(0, -1) and X427=(0, -1) and X7577=5 and X723=(0, 5) and X830=(0, 5) and X931=(0, 5) and X1101=5 and X1203=(0, 5) and X2206=(0, 5) and X2306=(0, 5) and X2406=(0, 5) and X7155=(0, 5) and X2507=(0, 5) and X2607=(0, 5) and X7182=5 and X1711=(0, 5) and X1811=(0, 5) and X1911=(0, 5) and X1317=(0, 5) and X1336=(0, 5) and X1616=(0, 5) and X1341=(0, 5) and X1032=(0, 5) and X2005=(0, 5) and X2015=(0, 5) and X2423=(0, 5) and X2624=(0, 5) and X7801=5 and X3120=(0, 5) and X3220=(0, 5) and X3125=(0, 5) and X3225=(0, 5)); not late with payments: X3004=1) X3031 Have you (or your [husband/wife/partner]) ever had a foreclosure proceeding brought against a property you have owned? 1. *YES 5. *NO When was that? IF MORE THAN ONCE, ASK: When was the most recent time? X3032 NUMBER OF YEARS AGO: -1. Less than one year ago 0. Inap. (never had foreclosure: X3031^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3033 YEAR: 0. Inap. (never had foreclosure: X3031^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-100,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3034 Did you lose the property as a result? 1. *YES 5. *NO 0. Inap. (never had foreclosure: X3031^=1) X3035 Are you still in the foreclosure process? 1. *YES 5. *NO, RECEIVED A LOAN MODIFICATION 6. *NO, WAS ABLE TO CATCH UP ON PAYMENTS 8. *NO, SOLD THE HOME -7. Other 0. Inap. (never had foreclosure: X3031^=1; lost home: X3034=1) X6772 Have you (or your {husband/wife/partner}) ever filed for bankruptcy? 1. *YES 5. *NO When was that? IF MORE THAN ONCE, ASK: When was the most recent time? X6773 NUMBER OF YEARS AGO: -1. Less than one year 0. Inap. (never filed for bankruptcy: X6772=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST ODD INTEGER AND TOP-CODED AT 25 ********************************************************* X6774 YEAR: 0. Inap. (never filed for bankruptcy: X6722=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-100,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ADJUSTED TO CORRESPOND TO X6773 ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- MISCELLANEOUS OPINION VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X3006 X3007 X7513 X7514 X7515 X6848 Now I'd like to ask you some questions about your (family's) attitudes about saving and planning for the future. People have different reasons for saving, even though they may not be saving all the time. What are your most important reasons for saving? IF R SAYS THEY DON'T/CAN'T SAVE ASK: If you were saving now, what would be the most important reason you would have to save? PROBE: What else? TREAT 'SAVING' AND 'INVESTING' THE SAME. 1. Children's education; education of grandchildren 2. Own education; spouse/partner's education; education -- not known for whom 3. "For the children/family", n.f.s.; "to help the kids out"; estate 5. Wedding, Bar Mitzvah, and other ceremonies (except 17) 6. To have children/a family 9. To move (except 11) 11. Buying own house (code "summer cottage" 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 and recreational items; for other purchases not codable above or not further specified; "buy things when we need/ want them"; special occasions 17. Burial/funeral expenses 18. Charitable or religious contributions 20. "To enjoy life" 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"; to advance standard of living 29. Ordinary living expenses/bills 30. Pay taxes 31. No particular reason (except 90, 91, 92) 32. "For the future" 33. Like to save 40. Don't wish to spend more 41. To give gifts; "Christmas" 90. Had extra income; saved because had the money left over -- no other purpose specified 91. Wise/prudent thing to do; good discipline to save; habit 92. Liquidity; to have cash available/on hand 93. "Wealth preservation"; maintain lifestyle -1. Don't/can't save; "have no money" -7. Other 0. Inap. (/no further responses) X3010 In the next five to ten years, are there any foreseeable major expenses that you (and your family) expect to have to pay for (yourself/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 X3011 X3012 X3013 X7512 X7511 X6667 What kinds of obligations are these? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN 1. *EDUCATION FOR YOUR CHILDREN; (incl. step and adopted), grandchildren 2. *EDUCATION FOR OTHERS; (incl. R & spouse/partner) 3. *HEALTH CARE FOR SELF/SPOUSE/PARTNER 4. *HEALTH CARE FOR OTHERS; (incl. elderly parents/ disabled child) 5. Health care/medical expenses -- not known for whom 11. General support for R/spouse/partner in retirement or old age 12. General support for child/grandchild 13. General support for parents 14. General support for others, or not known for whom 15. Baby 21. *PURCHASE OF NEW HOME; (incl. vacation home) 22. Purchase of car or other large durable goods 23. Burial expenses; inheritance taxes 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. Major purchase 34. Charitable expense 40. Pay off all or part of debt 41. Bills/living expenses, n.f.s. -7. *OTHER MAJOR FINANCIAL OBLIGATIONS 0. Inap. (/no further responses; no expected major expenses: X3010^=1) NOTE: CARD 9 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 6. *ALREADY SAVED FOR IT 0. Inap. (no expected major expenses: X3010^=1) X3008 IN PERSON VERSION: (SHOW CARD 9) In planning or budgeting your (family's) saving and spending, which of the time periods listed on this page is most important to you (and your family living here)? TELEPHONE VERSION: In planning or budgeting your (family's) saving and spending, which of the following time periods is most important to you (and your family living here): the next few months, the next year, the next few years, the next 5 to 10 years, or longer than 10 years? 1. *NEXT FEW MONTHS 2. *NEXT YEAR 3. *NEXT FEW YEARS 4. *NEXT 5-10 YEARS 5. *LONGER THAN 10 YEARS NOTE: CARD 5 contains the following text in a vertical column: "Next few months," " Next year," "Next 5 to 10 years," "Longer than 10 years." X3014 IN PERSON VERSION: (SHOW CARD 10) Which of the statements on this page comes closest to the amount of financial risk that you (and your {husband/wife/partner}) are willing to take when you save or make investments? READ RESPONSES IF NECESSARY. TELEPHONE VERSION: Which of the following statements comes closest to describing the amount of financial risk that you (and your {husband/wife/partner}) are willing to take when you save or make investments? INTERVIEWER: 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 6 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." X3015 X3016 X3017 X3018 X3019 X3020 IN PERSON VERSION: (SHOW CARD 11) Which of the following statements on this page comes closest to describing your (and your {husband/wife/partner}'s) saving habits? READ RESPONSES IF NECESSARY INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE. TREAT SAVING AND INVESTING THE SAME. CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN TELEPHONE VERSION: Which of the following statements comes closest to describing your (and your {husband/wife/partner}'s) saving habits? INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE. TREAT SAVING AND INVESTING THE SAME. CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN 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 9 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 Using any number from one to five, where one equals totally inadequate and five equals very satisfactory, how would you rate the retirement income you receive (or expect to receive) from all sources? INCLUDE 401(K) ACCOUNTS AND ALL OTHER TYPES OF 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 (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.) IF DEBTS ARE BEING REPAID ON NET, TREAT THIS AS SPENDING LESS THAN INCOME. 1. *SPENDING EXCEEDED INCOME 2. *SPENDING SAME AS INCOME 3. *SPENDING WAS LESS THAN INCOME 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 Leaving aside those expenses, 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 EQUALED INCOME 3. *SPENDING WAS LESS THAN INCOME 0. Inap. (spending less than or equal to income: X7510=(2, 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; (including used credit cards) 2. *SPENT OUT OF SAVINGS/INVESTMENTS 3. Got behind on payments; didn't pay bills 4. Help from others 5. (Possible respondent error 1) Cut back on expenses 6. (Possible respondent error 2) Got additional income 8. Did nothing 12. Declared Bankruptcy 15. Sold assets 17. Renegotiated payment plan/extended payments -7. *OTHER 0. Inap. (spending less than or equal to income: X7510=(2, 3)) ********************************************************* FOR THE PUBLIC DATA SET, CODES 12 AND 17 ARE COMBINED WITH CODE 3 ********************************************************* X7775 If tomorrow you experienced a financial emergency that left you unable to pay all of your bills, how would you deal with it? Would you borrow money, would you spend out of savings or investments, would you postpone paying bills, or would you do something else? 1. *BORROW MONEY 2. *SPEND OUT OF SAVINGS/INVESTMENTS 3. *POSTPONE PAYMENTS 4. *CUT BACK -7. *OTHER 0. Inap. (spending exceeded income: X7510=1) X7776 (Show Card 12) X7777 Please tell me where you would borrow from first. Is it...? Anywhere else? (CODE ALL THAT APPLY) 1. *Family 2. *Friends 3. *Credit Card 4. *Car title lender 5. *Pawn Shop 6. *Title Loan 7. *Payday Lender 8. *Church 9. *Social Service Institution 10. Personal Loan, n.e.c. 11. Financial Institution -7. *OTHER 0. Inap. (spending exceeded income: X7510=1;would not borrow money to make up difference: X7775^=1) ********************************************************* FOR THE PUBLIC DATA SET, CODES 5, 6, AND 7 ARE COMBINED WITH CODE 4; CODE 9 IS COMBINED WITH CODE 8; CODE 11 IS COMBINED WITH CODE 10 ********************************************************* X7778 (Show Card 13) X7779 Please tell me what is the first account you would you spend from, or what is the first asset you would you sell. Is it your... What else? DURABLE GOODS INCLUDE FURNITURE AND APPLIANCES OTHER MISCELLANEOUS VALUABLES INCLUDES ART, COLLECTIONS, JEWELRY, AND SILVERWARE (CODE ALL THAT APPLY) 1. *Savings account 2. *Stocks, bonds, CDs, or other financial assets 3. *Home Equity loan or line of credit 4. *Pension or Retirement Accounts 5. *Automobile 6. *Real Estate 7. *Durable goods 8. *Other miscellaneous valuables 9. Business(es) -7. *OTHER 0. Inap. (spending exceeded income: X7510=1; would not spend out of savings/investments to make up difference: X7775^=2) ********************************************************* FOR THE PUBLIC DATA SET, CODE 9 IS COMBINED WITH CODE 6, AND CODE 8 IS COMBINED WITH CODE 7 ********************************************************* X7780 (Show Card 14) X7781 Please tell me what is the first payment you would postpone or renegotiate. Is it payment on your... What else? (CODE ALL THAT APPLY) 1. *Credit cards 2. *Store charge cards 3. *Payments due for services or goods purchased 4. *Utilities 5. *Insurance 6. *Rent 7. *Mortgage 8. *Auto loans 9. *Student loans 10. *Other miscellaneous loans 11. *Installment or layaway loans -7. *OTHER 0. Inap. (spending exceeded income: X7510=1; would not postpone payments to make up difference: X7775^=3) ********************************************************* FOR THE PUBLIC DATA SET, CODES 2 AND 3 ARE COMBINED WITH CODE 1; CODES 5, 6, AND 7 ARE COMBINED WITH CODE 4, AND; CODES 9, 10, AND 11 ARE COMBINED WITH CODE 8 ********************************************************* X7782 (Show Card 15) X7783 Please tell me what is the first expense you would cut back on. Is it spending on... What else? ENTERTAINMENT INCLUDES ACTIVITIES IN AND OUT OF THE HOME NON-DURABLE GOODS INCLUDE CLOTHING AND HOUSEWARES PERSONAL CARE INCLUDES HAIR CARE AND GYM MEMBERSHIPS HEALTH CARE INCLUDE DOCTOR VISITS AND MEDICINE PERSONAL OR HOME SERVICES INCLUDE HOUSE CLEANING AND LAWNCARE (CODE ALL THAT APPLY) 1. *Eating or drinking out 2. *Food or beverages at home 3. *Entertainment 4. *Travel 5. *Non-durable goods 6. *Personal care 7. *Health care 8. *Personal or home services -7. *OTHER 0. Inap. (spending exceeded income: X7510=1; would not cut back on expenses to make up difference: X7775^=4) ********************************************************* FOR THE PUBLIC DATA SET, CODE 2 IS COMBINED WITH CODE 1, AND CODES 6, 7, AND 8 ARE COMBINED WITH CODE 5 ********************************************************* X3024 Now I have some questions about your spending. About how much do you (and everyone else in your family) spend on food that you use at home? (What is your best estimate?) IF R SHARES EXPENSES WITH ROOMMATES NOT IN THE PEU, INCLUDE ONLY R'S (FAMILY'S) SHARE. THIS INCLUDES LUNCHES FOR WORK, ETC. MADE AT HOME. INCLUDE FOOD PAID FOR USING FOOD STAMPS. $ AMOUNT: -1. Nothing ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3025 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 1. Day 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only; in total 11. *Twice per year; every six months 31. *Twice a month -1. Nothing -7. *Other X3026 Do you have any food delivered to the door which isn't included in that? INCLUDE CARRY-OUT HERE. 1. *YES 5. *NO X3027 How much do you spend on that food? IF R SHARES EXPENSES WITH ROOMMATES NOT IN THE PEU, INCLUDE ONLY R'S (FAMILY'S) SHARE. $ AMOUNT: -1. Nothing (for example, "Meals on Wheels") 0. Inap. (no expenses for food delivered to the door: X3026=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3028 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 1. Day 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only; in total 11. *Twice per year; every six months 31. *Twice a month -1. Nothing -7. *Other 0. Inap. (no expenses for food delivered to the door: X3026=5) X3029 About how much do you (and everyone else in your family) spend eating out? PROBE: What is your best estimate? $ AMOUNT: -1. Nothing ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3030 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 1. Day 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. Lump sum/one payment only; in total 11. *Twice per year; every six months 12. Every two months 31. *Twice a month -1. Nothing -7. *Other X7491 Aside from any purchases of assets, would you say that your (family's) overall expenses over the past 12 months were unusually high or low compared to what you would expect in a "normal" year, or were they about normal? 1. *High 2. *Low 3. *Normal X7187 About how much do you think you (and your family) need to have in savings for emergencies and other unexpected things that may come up? $ AMOUNT: -1. Nothing ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6789 For the following two statements, please say whether you agree strongly, agree somewhat, neither agree nor disagree, disagree somewhat, or disagree strongly: First, when the things that (I/my husband and I/my wife and I/my partner and I) own *increase* in value, (I am/we are) *more* likely to spend money. 1. *AGREE STRONGLY 2. *AGREE SOMEWHAT 3. *NEITHER AGREE NOR DISAGREE 4. *DISAGREE SOMEWHAT 5. *DISAGREE STRONGLY X7492 Second, when the things that (I/my husband and I/my wife and I/my partner and I) own *decrease* in value, (I am/we are) *less* likely to spend money. 1. *AGREE STRONGLY 2. *AGREE SOMEWHAT 3. *NEITHER AGREE NOR DISAGREE 4. *DISAGREE SOMEWHAT 5. *DISAGREE STRONGLY X6443 In an emergency could you (or your {husband/wife/partner}) get financial assistance of $3,000 or more from any friends or relatives who do not live with you? 1. *YES 5. *NO The next three questions are about your opinion on money and investments. X7558 Do you think that the following statement is true or false: buying a single company's stock usually provides a safer return than a stock mutual fund? 1. *TRUE 5. *FALSE -2. Don't know -3. Refused ********************************************************* FOR THE PUBLIC DATA SET, CODE -3 IS COMBINED WITH CODE -2 ********************************************************* X7559 Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow: more than $102, exactly $102, or less than $102? 1. *MORE THAN $102 3. *EXACTLY $102 5. *LESS THAN $102 -2. Don't know -3. Refused ********************************************************* FOR THE PUBLIC DATA SET, CODE -3 IS COMBINED WITH CODE -2 ********************************************************* X7560 Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year, would you be able to buy more than today, exactly the same as today, or less than today with the money in this account? 1. *MORE THAN TODAY 3. *EXACTLY THE SAME AS TODAY 5. *LESS THAN TODAY -2. Don't know -3. Refused ********************************************************* FOR THE PUBLIC DATA SET, CODE -3 IS COMBINED WITH CODE -2 ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 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 (or anyone in your family living here) have any checking accounts at any type of institution? IF YES: Please do not include any money market accounts unless you use them regularly as checking accounts. DO NOT INCLUDE BUSINESS ACCOUNTS. DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH CHECK-WRITING PRIVILEGES. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. 1. *YES 5. *NO X3502 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 IN PERSON VERSION: (SHOW CARD 18) Looking at this list, please tell me which is the most important reason (you don't have/your family doesn't have) a checking account. READ RESPONSES IF NECESSARY. TELEPHONE VERSION: Please tell me which is the most important reason (you don't have/your family doesn't have) a checking account. Is it... 1. *Because you don't write enough checks to make it worthwhile 2. *Because the minimum balance is too high 3. *Because you do not like dealing with banks 4. *Because service charges are too high 5. *Because 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 other account with checking privileges (money market account, managed investment account, etc) (does not include individuals who write checks for R) 15. R not allowed to have account (e.g., asset test for welfare) 16. Someone else writes checks for R or manages R's finances 20. R does not need/want a checking account, n.e.c. 21. Credit problems; bankruptcy; R does not meet depository's qualifications for having an account 22. Concern about overdraft fees 95. Don't have (enough) money -1. Can't manage/balance a checking account -7. *Some other reason 0. Inap. (R has no checking account: X3501^=1) NOTE: CARD 18 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 (and your family living here) have? (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE USED AS CHECKING ACCOUNTS) DO NOT INCLUDE BUSINESS ACCOUNTS. DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH CHECK-WRITING PRIVILEGES. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. NUMBER OF CHECKING ACCOUNTS (DETAILED QUESTIONS ON 6): 0. Inap. (R has no checking account: X3501^=1) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 10 ********************************************************* X6695 Originally reported value of X3504 (see introduction) NUMBER OF CHECKING ACCOUNTS (DETAILED QUESTIONS ON 6): 0. Inap. (R has no checking account: X3501^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,20] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, 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 list of institutions you wrote down. X3509(#2) Thinking about (your checking account/your main account, X3513(#3) the one you use the most/the next checking account), is X3517(#4) this account with any of the institutions on the list X3521(#5) or from someplace else? X3525(#6) IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE":What type of institution is that?) Please look at the Institutions Card. Thinking about (your checking account/your main checking account, the one you use the most/the next checking 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 institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 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) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X7595 Do you (or your family living here) ever go into a local branch of the institution with your main checking account to do business in person? 1. *Yes 2. *YES, BUT JUST TO USE THE ATM 3. *NO, NOT SINCE THE ACCOUNT WAS OPENED 5. *No, never 0. Inap. (no checking account: X3501=5) X9113(#1) Recode: type of institution X9114(#2) X9115(#3) See MASTER INSTITUTION LIST for other codes (See X308) X9116(#4) X9117(#5) 0. Inap. (R has no checking account: X3501^=1/ X9118(#6) 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) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X3506(#1) How much is in this account? X3510(#2) X3514(#3) PROBE: What was the average over the X3518(#4) last month? X3522(#5) X3526(#6) $ AMOUNT: -1. Nothing 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3507(#1) Is this a money market-type account? X3511(#2) X3515(#3) INCLUDE SWEEP ACCOUNTS X3519(#4) X3523(#5) 1. *YES X3527(#6) 5. *NO 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) X7601(#1) Is this a joint account with your X7603(#2) (husband/wife/partner), or is the account in your X7605(#3) name, in your (husband's/wife's/partner's) name, X7607(#4) or in someone else's? X7609(#5) X7611(#6) Is this account in your name, or in someone else's? Is this a joint account, or is the account in your name? 1. *Joint account; with spouse/partner 2. *R's account 3. *Spouse's/partner's account 4. *Other family member's account 5. *CHILD ONLY; grandchild only 6. Child/grandchild and R/spouse/partner 8. Other relative with R/spouse/partner 9. Unrelated person, n.f.s. 10. Unrelated person with R/spouse/partner 11. Equal amounts in R/spouse/partner names (only use for CDs) 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: X7001=1) X3529(#7) How much is in your (family's) remaining checking account? PROBE: What was the average over the last month? How much is in all your (family's) remaining checking accounts? PROBE: What was the average over the last month? $ AMOUNT: -1. Nothing 0. Inap. (R has no checking account: X3501^=1; fewer than 7 accounts: X3504<7) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8446(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: -1. Nothing 0. Inap. (no checking account: X3501^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3530 IN PERSON VERSION: (SHOW CARD 16) Which of the reasons on this card is the most important reason (you/your family living here) chose the institution that you did for your main checking account? (Was it because of the location of their offices, because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one place, because they offered safety and an absence of risk, or some other reason?) TELEPHONE VERSION: What is the most important reason (you/your family living here) chose the institution that you did for your main checking account? Was it because of the location of their offices, because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one place, because they offered safety and an absence of risk, or some other reason? NOTE: CARD 16 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." 1. Recommended; friend/family has account there 2. High interest rates; interest rates on deposits 3. *LOCATION OF THEIR OFFICES 4. Other business done here 6. *ABLE TO OBTAIN MANY SERVICES AT ONE PLACE 7. *HAD THE LOWEST FEES/MINIMUM BALANCE REQUIREMENT 8. *OFFERED SAFETY AND ABSENCE OF RISK 9. Other convenience mentions/payroll deduction/ direct deposit 11. Personal relationship; they know me; R/spouse or partner works there; small institution; family member works there 12. Staff qualifications 13. Bank bought by another institution 14. Always done business there; banked there a long time; other business done there 23. Advertisement 24. Convenient hours 25. No particular reason 26. No other institutions available 27. Gift for opening account; other promotion; special benefits for group R belongs to (e.g., senior citizens, sport team, etc.) 29. Reputation 30. Unable to open an account at another institution 31. Dissatisfaction with previous institution 32. Good customer service 33. R prefers to deal with institutions of this type 34. Account opened for R as a child 35. Connection through work/school 36. Prefer a local institution 37. Needed to change institution 38. Offers online services or "electronic banking" 39. Ease of transfers between accounts; electronic account management n.e.c. 41. Investment in institution 42. Diversification 43. Number/location of ATMs -7. *SOME OTHER REASON 0. Inap. (R has no checking account: X3501^=1) ********************************************************* FOR THE PUBLIC DATA SET, CODE 41 IS COMBINED WITH CODE 35 ********************************************************* NOTE: CARD 9 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? IF INSTITUTION MERGED WITH ANOTHER, WE WANT THE LONGEST TIME R HAS DONE BUSINESS WITH ANY PART OF THE INSTITUTION NUMBER OF YEARS: -1. Less than one year 0. Inap. (R has no checking accounts: X3501^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8021: GREATER THAN CURRENT AGE MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED 60 ********************************************************* X7596 You previously mentioned that you (or your family living here) have one or more reloadable prepaid debit cards or prepaid government benefit cards. How much in total is in all your (family's) prepaid card accounts ? PROBE: What was the average over the last month? -1. Nothing 0. Inap. (no prepaid accounts: X7594^=1 and X7648^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- IRA/KEOGH ACCOUNTS ----------------------------------------------------------------------------- X3601 As we continue through the interview, I will be asking you about several types of retirement assets you may have, such as IRAs, annuities, and pensions and retirement accounts you may have through a current or past job. Here I would like to ask just about IRAs and Keogh accounts. These may include accounts that you 'rolled over' into an IRA after leaving a previous job as well as Roth IRAs, or any other type of IRA or Keogh account that is not part of a retirement plan on a current or past job. Do you (or anyone in your family living here) have any Keoghs or IRAs? IF YES, SAY: Please do not include IRA-SEP or IRA-SIMPLE accounts, which we treat as job pensions. "EDUCATION IRAs" ARE SAVINGS 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) X3622(#3) Does your (husband/wife/partner) have IRA or Keogh accounts? Do any other family members living here 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 (personally) have? X3613(#2) X3623(#3) How many IRA and Keogh accounts does your (husband/wife/partner) have? Including any rollovers from past job pensions, how many IRA and Keogh accounts do your other family members have? NUMBER OF IRA/KEOGH 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 5 ********************************************************* X6444 X6446 X6447 X3605 (#1) X6448 X6450 X6451 X3615 (#2) X6452 X6454 X6455 X3625 (#3) Is this account a Roth IRA, an account (you/your {husband/wife/partner}/your other family members) rolled over from a pension into an IRA, some other type of IRA, or a Keogh? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN Are these accounts Roth IRAs, accounts (you/your {husband/wife/partner}/your other family members) rolled over from pensions into IRAs, some other types of IRAs, or Keoghs? CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN X6444, X6448, X6452: *ROTH IRA X6446, X6450, X6454: *ROLL-OVER FROM PENSION ACCOUNT X6447, X6451, X6455: *REGULAR OR OTHER IRA X3605, X3615, X3625: *KEOGH 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1) X6551(#1) How much (in total) is in your Roth IRA account(s)? X6559(#2) How much (in total) is in your (wife's/partner's) Roth IRA X6567(#3) accounts(s)? How much (in total) is in your other family members' Roth IRA account(s)? $ 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; no accounts of this type: X6444^=1/ X6448^=1/X6452^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6552(#1) How much (in total) is in your roll-over IRA account(s)? X6560(#2) How much (in total) is in your (husband/wife/partner)'s X6568(#3) roll-over IRA accounts(s)? How much (in total) is in your other family members' roll-over IRA account(s)? $ 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; no accounts of this type: X6446^=1/ X6450^=1/X6454^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6553(#1) How much (in total) is in your regular or other IRA account(s)? X6561(#2) How much (in total) is in your (husband/wife/partner)'s X6569(#3) other IRA account(s)? How much (in total) is in your other family members' other IRA account(s)? $ 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; no accounts of this type: X6447^=1/ X6451^=1/X6455^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6554(#1) How much (in total) is in your Keogh account(s)? X6562(#2) How much (in total) is in your (husband/wife/partner)'s Keogh X6570(#3) account(s)? How much (in total) is in your other family members' Keogh account(s)? $ 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; no accounts of this type: X3605^=1/ X3615^=1/X3625^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* If R reported that R/SP/OFM had an IRA (X3602=1/X3612=1/X3622=1) , but answered DK/REF to type, the CAPI program asked the balance in all of the accounts. 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. X6756(#1) How much is in your ({husband/wife/partner}'s/ X6757(#2) other family members']) account(s)? X6758(#3) $ 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; no accounts of this type: X6447^=1/ X6451^=1/X6455^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6555(#1) How is the money in (this/these) account(s) invested? Is X6563(#2) it all in stocks, all in interest-earning assets, is it X6571(#3) split between these, or something else? IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES 1. *ALL IN STOCKS 2. *ALL IN INTEREST EARNING ASSETS/BONDS 3. *SPLIT 4. Real estate 5. Hedge fund 6. Annuities 8. Mineral rights 9. GIC/guaranteed income contract 12. Business investment n.e.c. 13. Commodities 15. Life insurance 25. Non publicly traded business or other such investment 30. *MUTUAL FUND OR ETF (NOT A PREFERRED RESPONSE) -7. *OTHER 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1) ********************************************************* FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 8, 12, 15, AND 25 ARE COMBINED WITH CODE -7; CODE 9 IS COMBINED WITH CODE 2 ********************************************************* X6556(#1) About what percent is in stocks? X6564(#2) X6572(#3) PERCENT * 100: -1. None 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; holdings not split or in mutual funds: X6555^=(3, 30)/X6563^=(3, 30)/ X6571^=(3, 30)) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 500 IF BETWEEN 250 AND 9750 INCLUSIVE, OTHERWISE IF > 0 ROUNDED TO NEAREST 100 WITH A TOP-CODE AT 9900 AND A BOTTOM-CODE AT 100 FOR THOSE VALUES ROUNDED ********************************************************* X6791(#1) Did (you/your {husband/wife/partner}/your other family members) X6793(#2) make any contributions to (this/these) account(s) in 2015? X6795(#3) PLEASE DO NOT INCLUDE ROLLOVERS OR CASHOUTS FROM OTHER PENSION PLANS OR IRAS AS NEW IRA CONTRIBUTIONS. WE WILL COLLECT THIS INFORMATION LATER IN THE SURVEY. 1. *YES 5. *NO 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1) X6792(#1) How much in total did (you/he/she/they) contribute in 2015? X6794(#2) X6796(#3) 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1; no contributions: X6791^=1/X6793^=1/ X6795^=1) X6557(#1) Did (you/your {husband/wife/partner}/your other family members) X6565(#2) take any withdrawals from (this/these) account(s) in 2015? X6573(#3) 1. *YES 5. *NO 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1) X6558(#1) How much in total did (you/your {husband/wife/partner}/they) X6566(#2) withdraw in 2015? X6574(#3) IF NEEDED: THE AMOUNT REPORTED HERE SHOULD BE THE GROSS WITHDRAWAL AMOUNT, NOT THE AFTER-TAX WITHDRAWAL AMOUNT. $ 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, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/X3612^=1/X3622^=1; no withdrawals: X6557^=1/X6565^=1/ X6573^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3606 X3607 X3608 X3609 X7501 X6721 (#1) X3616 X3617 X3618 X3619 X7502 X6722 (#2) X3626 X3627 X3628 X3629 X7503 (#3) Please look at the list of institutions you wrote down. (Is this/Are they) with any of the institutions on the list, or from someplace else? IF INSTITUTIONS LIST: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE": What type of institution is that?) Please look at the Institutions Card. (Is this/Are they) with any of the institutions on the Institutions Card, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (/no further responses; no IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9119 X9120 X9121 X9122 X9209 X9223 (#1) X9123 X9124 X9125 X9126 X9210 X9224 (#2) X9127 X9128 X9129 X9130 X9211 (#3) Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (/no further responses; no IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* ----------------------------------------------------------------------------- CERTIFICATES OF DEPOSIT ----------------------------------------------------------------------------- X3719 Do you (or anyone in your family here) have any CDs or certificates of deposit at financial institutions? IF YES: Please do not include CDs that are part of IRAs or Keoghs I have already recorded. IF R ASKS: CDs are certificates held for a set period of time that must be cashed or renewed at the maturity date. INCLUDE 'BANKERS ACCEPTANCES' AND 'REPURCHASE AGREEMENTS'. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. 1. *YES 5. *NO X3720 Altogether, how many such CDs do you (and your family living here) have? INCLUDE 'BANKERS ACCEPTANCES' AND 'REPURCHASE AGREEMENTS'. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. NUMBER OF CERTIFICATES: 0. Inap. (no certificates of deposit: X3719^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 20 ********************************************************* X3721 What is the total dollar value of (this CD/these CDs)? $ AMOUNT: 0. Inap. (no certificates of deposit: X3719^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3726 How many different institutions do you use for all these CDs? NUMBER: 0. Inap. (no certificates of deposit: X3719^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X3726 > X3720: MORE INSTITUTIONS THAN ACCOUNTS ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 10 ********************************************************* X3722 X3723 X3724 X3725 X7618 X6654 X6655 Please look at the list of institutions you wrote down. (Is this/Are these) CD(s) with any of the institutions on the list, or from someplace else? IF INSTITUTIONS LIST: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE": What type of institution is that?) Please look at the Institutions Card. (Is this/Are these) CD(s) with any of the institutions on the Institutions Card, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (/no further responses; no certificates of deposit: X3719^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9134 X9135 X9136 X9137 X9214 X9217 X9218 Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (/no further responses; no certificates of deposit: X3719^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X7620 Is this CD held jointly with your (husband/wife/partner), or is it in your name, in your (husband's/wife's/partner's) name, or in someone else's? Is this CD held jointly, or is it in your name? Is most of the money in these CDs held jointly with your (husband/wife/partner), or is most of it in your name, in your (husband's/wife's/partner's) name, or in someone else's? Is most of the money in these CDs held jointly, or is most of it in your name? 1. *Joint account; with spouse/partner 2. *R's account 3. *Spouse's/partner's account 4. *Other family member's account 5. *CHILD ONLY; grandchild only 6. Child/grandchild and R/spouse/partner 8. Other relative with R/spouse/partner 9. Unrelated person, n.f.s. 10. Unrelated person with R/spouse/partner 11. Equal amounts in R/spouse/partner names (only use for CDs) 50. Trust account 51. Personal business account -7. *Other 0. Inap. (no certificates of deposit: X3719^=1; R lives alone: X7001=1) ----------------------------------------------------------------------------- SAVINGS/MONEY MARKET ACCOUNTS ----------------------------------------------------------------------------- X3727 Do you (or anyone in your family living here) have any savings or money market accounts? These could be traditional savings accounts, Coverdell or 529 education accounts, Christmas Club accounts, or any type of savings or money market account I have not already recorded. IF YES, PROBE: Please do not include Flexible Spending Accounts, accounts that are part of a pension plan, or mutual funds other than money market funds. A MONEY MARKET ACCOUNT HAS AN INTEREST RATE THAT VARIES FROM MONTH TO MONTH, AND IT USUALLY HAS LIMITED CHECKING PRIVILEGES. COVERDELL ACCOUNTS AND STATE-SPONSORED "529" ACCOUNTS ARE EDUCATIONAL SAVINGS PLANS (ESPs). DO NOT INCLUDE CUSTODIAL ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. DO NOT INCLUDE MUTUAL FUNDS OTHER THAN MONEY MARKET ACCOUNTS. INCLUDE ALL OTHER SUCH ACCOUNTS IN WHICH THE FAMILY HAS ANY ASSET INTEREST. 1. *YES 5. *NO X3728 How many such accounts do you (and your family living here) have? DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. NUMBER OF ACCOUNTS (DETAILED QUESTIONS ON 6): 0. Inap. (no savings accounts: X3727^=1) ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 10 ********************************************************* X6755 Originally reported value of X3728 (see introduction) NUMBER OF ACCOUNTS (DETAILED QUESTIONS ON 6): 0. Inap. (no savings accounts: X3727^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 10 ********************************************************* ----------------------------------------------------------------------------- #1 refers to the first savings/mm account #2 refers to the second savings/mm account #3 refers to the third savings/mm account #4 refers to the fourth savings/mm account #5 refers to the fifth savings/mm account #6 refers to the sixth savings/mm account #7 refers to the remaining savings/mm accounts ----------------------------------------------------------------------------- X3729(#1) Please look at the list of institutions you wrote down. [Is X3735(#2) (this account/the largest account)/Thinking about the next X3741(#3) largest savings account, is it] with any of the institutions X3747(#4) on the list, or from someplace else? X3753(#5) X3759(#6) IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE": What type of institution is that?) Please look at the Institutions Card. [Is (this account/the largest account)/Thinking about the next largest savings account, is it] with any of the institutions on the Institutions Card, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE": What type of institution is that?) See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 13, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (no savings accounts: X3727^=1/fewer than 2 accounts: X3728<2/fewer than 3 account: X3728<3/ fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X7597 Do you (or your family living here) ever go into a local branch of the institution with your largest savings/moneymarket account to do business in person? 1. *Yes 2. *YES, BUT JUST TO USE THE ATM 3. *NO, NOT SINCE THE ACCOUNT WAS OPENED 5. *No, never 0. Inap. (no savings account: X3727=5) X9259(#1) Recode: type of institution X9260(#2) X9261(#3) See MASTER INSTITUTION LIST for other codes (See X308) X9262(#4) X9263(#5) 0. Inap. (no savings accounts: X3727^=1/fewer X9264(#6) than 2 accounts: X3728<2/fewer than 3 account: X3728<3/fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts: X3728<6) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X3730(#1) How much is in this account? X3736(#2) X3742(#3) $ AMOUNT: X3748(#4) -1. Nothing X3754(#5) 0. Inap. (no savings accounts: X3727^=1/fewer than 2 X3760(#6) accounts: X3728<2/fewer than 3 account: X3728<3/ fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3731(#1) Is this a joint account with your (husband/wife/partner), X3737(#2) or is the account in your name, in your X3743(#3) (husband's/wife's/partner's) name, or in someone X3749(#4) else's? X3755(#5) X3761(#6) Is this account in your name, or in someone else's? Is this a joint savings account, or is the account in your name? 1. *Joint account; with spouse/partner 2. *R's account 3. *Spouse's/partner's account 4. *Other family member's account 5. *CHILD ONLY; grandchild only 6. Child/grandchild and R/spouse/partner 8. Other relative with R/spouse/partner 9. Unrelated person, n.f.s. 10. Unrelated person with R/spouse/partner 11. Equal amounts in R/spouse/partner names (only use for CDs) 50. Trust account 51. Personal business account -7. *Other 0. Inap. (no savings accounts: X3727^=1/fewer than 2 accounts: X3728<2/fewer than 3 account: X3728<3/ fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts; R lives alone: X7001=1) X3732(#1) What type of account is this? (Is it a traditional savings X3738(#2) account, a Coverdell or 529 educational account, a money X3744(#3) market account, or some other type of account?) X3750(#4) X3756(#5) PASSBOOK AND STATEMENT ACCOUNTS ARE TRADITIONAL SAVINGS X3762(#6) ACCOUNTS. COVERDELL ACCOUNTS AND STATE-SPONSORED "529" ACCOUNTS ARE EDUCATIONAL SAVINGS PLANS (ESAs) 1. *TRADITIONAL SAVINGS ACCOUNT; "passbook account"; "statement account" 2. *COVERDELL/EDUCATION IRA 3. *529/STATE-SPONSORED EDUCATION ACCOUNT 4. *MONEY MARKET ACCOUNT 5. Christmas club account; other account for designated saving purpose (e.g., vacation) 6. Share account 7. *HEALTH SAVINGS ACCOUNT; medical savings account 12. *OTHER FLOATING-RATE SAVINGS ACCOUNT (other than those coded 4) 14. Informal group saving arrangement 20. Foreign account type 30. *SWEEP ACCOUNT n.e.c.; cash management account -7. *OTHER 0. Inap. (no savings accounts: X3727^=1/fewer than 2 accounts: X3728<2/fewer than 3 account: X3728<3/ fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts) ********************************************************* FOR THE PUBLIC DATA SET, CODES 14 AND 20 ARE COMBINED WITH CODE 1; CODES 3 AND 7 ARE COMBINED WITH CODE 2; CODE 30 IS COMBINED WITH CODE 12 ********************************************************* X7074(#1) How is the money in this account invested? Is it all X7077(#2) in stocks, all in interest-earning assets, is it split X7080(#3) between these, or something else? X7083(#4) X7086(#5) IF R SAYS "MUTUAL FUND", PROBE FOR WHETHER IT IS A STOCK X7089(#6) FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES 1. *ALL IN STOCKS 2. *ALL IN INTEREST EARNING ASSETS/BONDS 3. *SPLIT 4. Real estate 5. Hedge fund 6. Annuities 8. Mineral rights 9. GIC/Guaranteed Income Contract 12. Business investment n.e.c. 15. Life insurance 25. Non publicly traded business or other such investment 30. Mutual fund or ETF (not a preferred response) -1. None -7. *OTHER 0. Inap. (no savings accounts: X3727^=1/fewer than 2 accounts: X3728<2/fewer than 3 account: X3728<3/ fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts; a traditional account, a MM account, an informal group account, a foreign account or a sweep account: X3732=(1, 4, 5, 6, 12, 14, 20, 30)/ X3738=(1, 4, 5, 6, 12, 14, 20, 30)/ X3744=(1, 4, 5, 6, 12, 14, 20, 30)/ X3750=(1, 4, 5, 6, 12, 14, 20, 30)/ X3756=(1, 4, 5, 6, 12, 14, 20, 30)/ X3762=(1, 4, 5, 6, 12, 14, 20, 30)) ********************************************************* FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 8, 12, 15, AND 25 ARE COMBINED WITH CODE -7; CODE 9 IS COMBINED WITH CODE 2 ********************************************************* X7075(#1) About what percent is in stocks? X7078(#2) X7081(#3) PERCENT * 100: X7084(#4) 0. Inap. (no savings accounts: X3727^=1/fewer than 2 X7087(#5) accounts: X3728<2/fewer than 3 account: X3728<3/ X7090(#6) fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts; a traditional account, a MM account, an informal group account, a foreign account or a sweep account: X3732=(1, 4, 5, 6, 12, 14, 20, 30)/ X3738=(1, 4, 5, 6, 12, 14, 20, 30)/ X3744=(1, 4, 5, 6, 12, 14, 20, 30)/ X3750=(1, 4, 5, 6, 12, 14, 20, 30)/ X3756=(1, 4, 5, 6, 12, 14, 20, 30)/ X3762=(1, 4, 5, 6, 12, 14, 20, 30); holdings not split or in mutual funds: X7074^=(3, 30)/X7077^=(3, 30)/ X7080^=(3, 30)/X7083^=(3, 30)/ X7086^=(3, 30)/X7089^=(3, 30)) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 500 IF BETWEEN 250 AND 9750 INCLUSIVE, OTHERWISE IF > 0 ROUNDED TO NEAREST 100 WITH A TOP-CODE AT 9900 AND A BOTTOM-CODE AT 100 FOR THOSE VALUES ROUNDED ********************************************************* X3733(#1) Does this account have check-writing privileges? X3739(#2) X3745(#3) 1. *YES X3751(#4) 5. *NO X3757(#5) 0. Inap. (no savings accounts: X3727^=1/fewer than 2 X3763(#6) accounts: X3728<2/fewer than 3 account: X3728<3/ fewer than 4 accounts: X3728<4/fewer than 5 accounts: X3728<5/fewer than 6 accounts; not a MM account, a foreign account, or a sweep account: X3732^=(4, 12, 20, 30)/ X3738^=(4, 12, 20, 30)/X3744^=(4, 12, 20, 30)/ X3750^=(4, 12, 20, 30)/X3756^=(4, 12, 20, 30)/ X3762^=(4, 12, 20, 30)) X3765(#7) How much is in all your (family's) remaining savings accounts? (What was the average over the last month?) $ AMOUNT: -1. Nothing 0. Inap. (no savings accounts: X3727^=1; fewer than 7 accounts: X3728<7) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8473(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) $ AMOUNT: 0. Inap. (no savings accounts: X3727^=1; did not break off early in grid) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- MUTUAL FUNDS ----------------------------------------------------------------------------- X3819 Do you (or anyone in your family living here) have any mutual funds or hedge funds? IF YES: Please do not include assets you have already told me about or any pension or 401(k) accounts. INCLUDE OPEN-END AND CLOSED-END FUNDS, UNIT TRUSTS, EQUITY TRUSTS, LOAD AND NO-LOAD FUNDS, COMMODITY POOLS, REITs (REAL ESTATE INVESTMENT TRUSTS), MORTGAGE TRUSTS, AND ALL OTHER TYPES OF MUTUAL FUNDS. 1. *YES 5. *NO X3821 I need to know what types of funds you have. Do you have. . . stock mutual funds or ETFs? (IF R ASKS, STOCK FUNDS INCLUDE DOMESTIC STOCK FUNDS, GROWTH FUNDS, INDEX FUNDS, GLOBAL STOCK FUNDS, SECTOR FUNDS, AND ANY OTHER TYPE OF FUND PRIMARILY INVESTED IN STOCK.) 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3822 What is the total market value of all of the stock mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no stock funds: X3821^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3823 Do you have. . . tax-free bond mutual funds or ETFs? THESE FUNDS INCLUDE MUNICIPAL BONDS ('MUNIs') AND OTHER TAX-EXEMPT BONDS 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3824 What is the total market value of all of the tax-free bond mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no tax-free bond funds: X3823^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3825 Do you have. . . U.S. government or government backed bond mutual funds or ETFs? THESE FUNDS INCLUDE U.S. TREASURY BILLS AND BONDS AND OTHER U.S. GOVERNMENT-SPONSORED BONDS. 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3826 What is the total market value of all of the U.S. government or government backed bond mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no government or government backed bond funds: X3825^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3827 Do you have. . . other bond mutual funds or ETFs? THESE FUNDS INCLUDE CORPORATE BONDS, COMMERCIAL PAPER, JUNK BONDS, FOREIGN AND ALL REMAINING TYPES OF BONDS 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3828 What is the total market value of all of the other bond mutual funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no other bond funds: X3827^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3829 Do you have. . . combination funds or ETFs? COMBINATION FUNDS ('BALANCED FUNDS') HOLD BOTH STOCK AND BONDS. 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X3830 What is the total market value of all of the combination funds and ETFs that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no combination mutual funds: X3829^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7785 Do you have. . . any other mutual funds, ETFs, hedge funds, or REITs? REITs ("reetz") ARE REAL ESTATE INVESTMENT TRUSTS. ETFs ARE EXCHANGE TRADED FUNDS 1. *YES 5. *NO 0. Inap. (no mutual funds or hedge funds: X3819^=1) X7787 What is the total market value of all of these other funds that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; no other types of mutual funds: X7785^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOTE: X7787 consists almost entirely of hedge funds and a small amount of exchange traded funds (ETF). 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, X3829=5 and X7785=5), 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. 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 or hedge funds that you (and your family living here) have? $ AMOUNT: 0. Inap. (no mutual funds or hedge funds: X3819^=1; R answered YES to at least one type of ownership question) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1, OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3820 In how many different mutual funds (or hedge funds) do you own shares? In how many different mutual funds (or hedge funds) does your family own shares? (INTERVIEWER: WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT COMPANIES.) NUMBER OF MUTUAL FUNDS: 0. Inap. (no mutual funds or hedge funds: X3819^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF < (1*(X3821=1)+1*(X3823=1)+1*(X3825=1)+ 1*(X3827=1)+1*(X3829=1)+1*(X7785=1): LESS THAN NUMBER OF DIFFERENT TYPES ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 25 ********************************************************* X6799 X6800 X6801 X6802 X6803 X6850 X6851 X6852 Please look at the list of institutions you wrote down. (Is this/Are these) fund(s) with any of the institutions on the list, or from someplace else? IF INSTITUTIONS LIST: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT IF "SOMEPLACE ELSE": What type of institution is that?) Please look at the Institutions Card. (Is this/ Are these) fund(s) with any of the institutions on the Institutions Card, or from someplace else? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT IF "SOMEPLACE ELSE": What type of institution is that?) CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN See MASTER INSTITUTION LIST for other codes (See X308) Codes 11, 12, 14, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 14. *FINANCE OR LOAN COMPANY 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (/no further responses; no mutual funds or hedge funds: X3819^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9225 X9226 X9227 X9228 X9229 X9230 X9231 X9232 Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (/no further responses; no mutual funds or hedge funds: X3819=5) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X3831 Overall has there been a gain or loss in the value of all these 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 or hedge funds: X3819^=1) How much have they gained in value since they were obtained? X3832 PERCENT * 100: -2. Virtually all 0. Inap. (no mutual funds or hedge funds: X3819^=1; no gain: X3831^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100 WITH A BOTTOM-CODE AT 100. FOR VALUES ABOVE 10000, ROUNDING TO 2 SIGNIFICANT DIGITS ********************************************************* X3833 $ AMOUNT: -2. Virtually all 0. Inap. (no mutual funds or hedge funds: X3819^=1; no gain: X3831^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount of gain on mutual funds is greater than the current holdings of mutual funds: TMUTF=X3822+X3824+X3826+X3828+X3830+X7787 IF MAX(TMUTF,X6704) < X3833 CAPI text displayed: ATTENTION: GAIN ON MUTUAL FUNDS CANNOT BE GREATER THAN CURRENT HOLDINGS. IS THAT CORRECT? COMMENT LATER COMMENT NOW ********************************************************* How much have they lost in value since they were obtained? X3834 PERCENT * 100: -2. Virtually all 0. Inap. (no mutual funds or hedge funds: X3819^=1; no loss: X3831^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100 WITH A BOTTOM-CODE AT 100 ********************************************************* X3835 $ AMOUNT: -2. Virtually all 0. Inap. (no mutual funds or hedge funds: X3819^=1; no loss: X3831^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,99999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- SAVINGS BONDS ----------------------------------------------------------------------------- X3901 Do you (or your family here) have any U.S. government savings bonds? DO NOT INCLUDE T-BILLS OR TREASURY BONDS: THESE WILL BE COLLECTED IN THE NEXT SET OF QUESTIONS. OLDER SAVINGS BONDS MAY BE SERIES E AND H. MORE RECENT SAVINGS BONDS INCLUDE SERIES EE, HH, AND I. 1. *YES 5. *NO X3902 What is the total face value of all the savings bonds that you (and your family) have? $ AMOUNT: 0. Inap. (no savings bonds: X3901^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- BONDS OTHER THAN SAVINGS BONDS ----------------------------------------------------------------------------- X3903 Do you (or anyone in your family living here) have any other corporate, municipal, government, or other type of bonds or bills? IF YES: Please do not include bonds or bills held in pension accounts, or any other accounts I have already recorded. 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 (and your family living here) have? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no mortgage backed bonds: X3905^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7635 What is the total market value? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no mortgage backed bonds: X3905^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3909 Do you have. . . state or municipal bonds, or other tax free bonds? ALSO INCLUDE 'REVENUE BONDS,' 'INDUSTRIAL DEVELOPMENT BONDS,' AND OTHER BONDS ISSUED BY STATE AND LOAN GOVERNMENTS 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 tax free bonds that you (and your family living here) have? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no tax free bonds: X3909^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7637 What is the total market value? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no tax free bonds: X3909^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3907 Do you have. . . U.S. Government bonds or Treasury bills? INCLUDE U.S. GOVERNMENT BILLS AND BONDS AS WELL AS ALL U.S. GOVERNMENT AGENCY BONDS 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 (and your family living here) have? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no government bonds or bills: X3907^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7636 What is the total market value? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no government bonds or bills: X3907^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7631 Do you have. . . foreign bonds? INCLUDE BONDS ISSUED BY FOREIGN GOVERNMENTS OR COMPANIES 1. *YES 5. *NO 0. Inap. (no bonds: X3903^=1) X7633 What is the face value of all of the foreign bonds that you (and your family living here) have? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7638 What is the total market value? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7632 Do you have. . . corporate or any other type of bonds? INCLUDE CORPORATE BONDS, COMMERCIAL PAPER, JUNK BONDS, AND MISC. BONDS NOT ALREADY MENTIONED 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 (and your family living here) have? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7639 What is the total market value? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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 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. 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 (and your family living here) have? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; R answered YES to at least one type of ownership question) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* 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 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. 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? $ AMOUNT: 0. Inap. (no bonds: X3903^=1; R answered YES to at least one type of ownership question) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3904 How many distinct issues of bonds or bills do you (or someone in your family living here) own? NUMBER OF BONDS OR BILLS: 0. Inap. (no bonds: X3903^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF < (1*(X3905=1)+1*(X3907=1)+1*(X3909=1)+ 1*(X7631=1)+1*(X7632=1): LESS THAN NUMBER OF DIFFERENT TYPES ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 150 ********************************************************* ----------------------------------------------------------------------------- PUBLICLY TRADED STOCK ----------------------------------------------------------------------------- X3913 Do you (or anyone in your family living here) own any stock which is publicly traded? IF YES: Please do not include stock held through pension accounts, or assets that I have already recorded. 1. *YES 5. *NO X3914 In how many different companies do you (or your family living here) own stock? WE WANT THE NUMBER OF COMPANIES IN WHICH R OWNS STOCK, NOT THE NUMBER OF INDIVIDUAL SHARES. NUMBER OF COMPANIES: 0. Inap. (no stocks: X3913^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 150 ********************************************************* X3915 What is the total market value of this stock? IF R BOUGHT THE STOCK 'ON MARGIN' (BORROWED ON THE STOCK TO BUY IT), WE WANT THE GROSS VALUE OF THE STOCK. $ AMOUNT: 0. Inap. (no stocks: X3913^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3921 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? DO NOT INCLUDE BUSINESSES REPORTED EARLIER. DO NOT INCLUDE STOCK HELD THROUGH A RETIREMENT ACCOUNT AT WORK. 1. *YES 5. *NO 0. Inap. (no stocks: X3913^=1) X7191 Did you include this stock in the value of your total holdings that you just told me? 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? $ AMOUNT: 0. Inap. (no stocks: X3913^=1; no stock in company where work: X3921^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount of included company stock is greater than the total market value: IF X7191=1 & X3922 > X3915 CAPI text displayed: ATTENTION: AMOUNT OF INCLUDED COMPANY STOCK IS GREATER THAN THE TOTAL MARKET VALUE. PLEASE CONFIRM THAT MARKET VALUE X3915 AND COMPANY STOCK X3922 ARE CORRECT AND THAT THE COMPANY STOCK X3922 IS INCLUDED IN THE MARKET VALUE X3915 COMMENT LATER COMMENT NOW ********************************************************* X7640 Of your (family's) stock, is any of it stock in a company headquartered outside of the United States? 1. *YES 3. Yes, but part already included as company stock (thus, total company and foreign stock=X3922+X7641) 4. Yes, but entirely included with company stock 5. *NO 0. Inap. (no stocks: X3913^=1) X7192 Did you include this stock in the value of your total holdings that you told me? 1. *YES 3. NO initially, but fixed in editing YES 0. Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1 or 3) X7641 What is the total market value in dollars of this stock? $ AMOUNT: 0. Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1 or 3) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount of foreign stock and stock in the company where the R/[S/P] works or has worked is greater than the current holdings of stocks: IF (X3922+X7641) > X3915 CAPI text displayed: ATTENTION: TOTAL OF FOREIGN STOCK AND STOCK IN COMPANY WHERE WORK(ED) IS GREATER THAN TOTAL STOCK HOLDINGS. IS COMPANY WHERE WORK(ED) A FOREIGN COMPANY? COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK: If the value of stock in the company where the R/[S/P] works or has worked is equal to the value of the foreign stock. IF X3922 = X7641 CAPI text displayed: ATTENTION: VALUE OF STOCK IN COMPANY WHERE WORK(ED) IS EQUAL TO VALUE OF FOREIGN STOCK. IS THE FOREIGN STOCK THE SAME AS THE STOCK IN COMPANY WHERE WORK(ED)? COMMENT LATER COMMENT NOW ********************************************************* EDIT CHECK: If the amount of included foreign stock is greater than the total market value: IF X7192=1 AND X7641 > X3915 CAPI text displayed: ATTENTION: AMOUNT OF INCLUDED FOREIGN STOCK IS GREATER THAN THE TOTAL MARKET VALUE. PLEASE CONFIRM THAT MARKET VALUE X3915 AND FOREIGN STOCK X7641 ARE CORRECT AND THAT THE FOREIGN STOCK X7641 IS INCLUDED IN THE MARKET VALUE X3915. COMMENT LATER COMMENT NOW ********************************************************* X3916 Overall has there been a gain or loss in the value of (this/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 PERCENT * 100: -2. Virtually all 0. Inap. (no stocks: X3913^=1; no gain: X3916^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100 WITH A BOTTOM-CODE AT 100. FOR VALUES ABOVE 10000, ROUNDING TO 2 SIGNIFICANT DIGITS ********************************************************* X3918 $ AMOUNT: -2. Virtually all 0. Inap. (no stocks: X3913^=1; no gain: X3916^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* EDIT CHECK: If the amount of gain in stocks is greater than the current holdings of stocks: IF X3915 < X3918 CAPI text displayed: ATTENTION: GAIN IN STOCKS CANNOT BE GREATER THAN CURRENT HOLDINGS. PLEASE EXPLAIN OR CORRECT? COMMENT LATER COMMENT NOW ********************************************************* How much has it lost in value since it was obtained? X3919 PERCENT * 100: -2. Virtually all 0. Inap. (no stocks: X3913^=1; no loss: X3916^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 100 WITH A BOTTOM-CODE AT 100 ********************************************************* X3920 $ AMOUNT: -2. Virtually all 0. Inap. (no stocks: X3913^=1; no loss: X3916^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- BROKERAGE ACCOUNTS ----------------------------------------------------------------------------- X3923 Do you (or anyone in your family living here) have a brokerage account that you can use for your purchase, or sale, of stocks and other securities? 1. *YES 5. *NO X3924 X3925 X3926 X3927 X7642 X6668 X6669 Please look at the list of institutions you wrote down. (Is this/Are these) account(s) with any of the institutions on the Institutions Card, or from someplace else? IF INSTITUTIONS LIST: Which institution? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./IF "SOMEPLACE ELSE": What type of institution is that?) 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? IF INSTITUTIONS CARD: Which institution? (IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN See MASTER INSTITUTION LIST for other codes (at X308) Codes 11, 12, 13, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (/no further responses; no brokerage account: X3923^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9143 X9144 X9145 X9146 X9212 X9219 X9220 Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (/no further responses; no brokerage account: X3923^=1) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* 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 brokerage? IF ALL TRADES ARE MADE WITHOUT SPECIFIC INSTRUCTIONS FROM R, CODE ZERO. ENTER ZERO FOR NONE. X3928 NUMBER OF TIMES: -1. None 0. Inap. (no brokerage account: X3923^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 300 ********************************************************* X7193 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. IF ANSWER IS ZERO, CODE "IN TOTAL". (And that amount is per...?) PER: 1. *DAY 2. *WEEK 3. Every two weeks 4. *MONTH 5. *QUARTER 6. *YEAR 8. *IN TOTAL 11. Twice per year; every six months 12. Every two months 18. Hour 22. Varies 25. Over 2 years 31. Twice a month -1. None -7. *OTHER 0. Inap. (no brokerage account: X3923^=1) ********************************************************* IF X3928 = DK/REF: SELECT DK/REF FOR FREQUENCY MESSAGE ********************************************************* X3929 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 SECURITIES 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 (and your family living here) have? $ AMOUNT: -1. Nothing 0. Inap. (no brokerage account: X3923^=1; no call account: X3929^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X3931 Do you (or anyone in your family living here) currently have any margin loans at a stock brokerage? IF YES, SAY: Please do not include any loans I have already recorded. 1. *YES 5. *NO 0. Inap. (no brokerage account: X3923^=1) X3932 Altogether, what is the current balance on these margin loans? $ AMOUNT: 0. Inap. (no brokerage account: X3923^=1; no margin loan: X3931^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* ----------------------------------------------------------------------------- ANNUITIES, TRUSTS, AND MANAGED INVESTMENT ACCOUNTS ----------------------------------------------------------------------------- X6815 IN PERSON VERSION: (SHOW CARD 16) Do you (or anyone in your family here) receive income from or have assets in an annuity? Please do not include job pensions. TELEPHONE VERSION: Do you (or anyone in your family here) receive income from or have assets in an annuity? Please do not include job pensions. 1. *YES 5. *NO X6575 Did you (or your family living here) purchase these annuities using or rolling over a payout or settlement from a past job pension? 1. *YES 5. *NO 0. Inap. (no annuities: X6815=5) X6576 Could you (or your family living here) cash in any of these annuities if you wanted to? That is, do you have any equity interest in any of the annuities? WE DO NOT CARE IF THERE IS A PENALTY FOR CASHING IN THE ANNUITY. 1. *YES 5. *NO 0. Inap. (no annuities: X6815=5) X6577 How much would you receive if you cashed in these annuities? $ AMOUNT: 0. Inap. (no annuities: X6815=5; no annuities that could be cashed in: X6576^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6578 How much income did you (or your family living here) receive in 2015 from these annuities that you could cash in? $ AMOUNT: -1. None 0. Inap. (no annuities: X6815=5; no annuities that could be cashed in: X6576^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6579 Do you (or your family living here) (also) have annuities which you could not cash in? 1. *YES 5. *NO 0. Inap. (no annuities: X6815=5; no annuities that could be cashed in: X6576^=1) X6580 How much income did you (or your family living here) receive in 2015 from all the annuities? How much income did you (or your family living here) receive in 2015 from the annuities you could not cash in? $ AMOUNT: -1. None 0. Inap. (no annuities: X6815=5; no annuities that could not be cashed in: X6579=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8480 Originally reported value for annuity income in the case where the respondent did not provide a value for the type of annuity (X6576). In imputation, the value here is assigned to X6578 or X6580, or the amount is split between these two variables. $ AMOUNT: -1. None 0. Inap. (no annuities: X6815=5; non-missing value at X6576) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6821 X6822 X6823 X6824 X6825 Who manages the annuities--is it any of the institutions from the list that you wrote down, or are they managed by someone else? IF INSTITUTIONS LIST: Which institution(s)? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) Please look at the Institutions Card. Who manages the annuities--is it any of the institutions on the Institutions Card, or are they managed by someone else? IF INSTITUTIONS CARD: Which institution(s)? (IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) INCLUDE ALL ACCOUNTS REGARDLESS OF WHETHER THEY CAN BE CASHED IN. CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN See MASTER INSTITUTION LIST for other codes (At X308) Codes 11, 12, 13, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (/no further responses; no annuities: X6815=5) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9236 X9237 X9238 X9239 X9240 Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (/no further responses; no annuities: X6815=5) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X6581 How is the money in these annuities invested? Is all of it in stocks, all of it in interest-earning assets, is it split between these, or something else? IF R SAYS 'MUTUAL FUND', PROBE FOR WHETHER IT IS A STOCK FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES 1. *ALL IN STOCKS 2. *ALL IN INTEREST EARNING ASSETS/BONDS 3. *SPLIT 4. Real estate 5. Hedge fund 6. Annuities 8. Mineral rights 9. *GIC/GUARANTEED INCOME CONTRACT 12. Business investment n.e.c. 13. Commodities 15. Life insurance 25. Non publicly traded business or other such investment 30. *MUTUAL FUND OR ETF (NOT A PREFERRED RESPONSE) -7. *OTHER 0. Inap. (no annuities: X6815=5) ********************************************************* FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 8, 12, 15, AND 25 ARE COMBINED WITH CODE -7; CODE 9 IS COMBINED WITH CODE 2 ********************************************************* X6582 About what percent is in stocks? PERCENT * 100: -1. None 0. Inap. (no annuities: X6815=5; holdings not split or in mutual funds: X6581^=(3, 30)) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 500 IF BETWEEN 250 AND 9750 INCLUSIVE, OTHERWISE IF > 0 ROUNDED TO NEAREST 100 WITH A TOP-CODE AT 9900 AND A BOTTOM-CODE AT 100 FOR THOSE VALUES ROUNDED ********************************************************* X6827 Including any assets you may have already told me about, do you (or anyone in your family here) have income from or have assets in a trust or managed investment account? DO NOT INCLUDE FUNDS IN IRREVOCABLE TRUSTS WHERE R HAS RIGHTS TO NEITHER INCOME NOR ANY OF THE ASSETS. BUT DO INCLUDE CHARITABLE REMAINDER TRUSTS WHERE R HAS LIFETIME INCOME RIGHTS. 1. *YES 5. *NO X6828 X6829 X6830 Are these trusts or managed investment accounts? (CODE ALL THAT APPLY) X6828: Legal *Trusts X6829: *Managed investment accounts X6830: *Other 1. Checked 5. Not checked 10. Charitable remainder trust: does not include donor-advised funds where R has surrendered all benefit from the asset (only X6830) 0. Inap. (no trusts/MIAs: X6827=5) ********************************************************* FOR THE PUBLIC DATA SET, CODE 10 IS COMBINED WITH "YES" RESPONSES FOR X6828 ********************************************************* X3950 Did you (or your family living here) set up the trust, or did you receive it from someone else? TREAT DECEASED SPOUSE AS SELF. 1. *SELF/FAMILY LIVING HERE 2. *ANOTHER PERSON 0. Inap. (no trusts/MIAs: X6827=5; not a trust: X6828=5) X6583 Does this include any assets I have already recorded? 1. *YES 5. *NO 0. Inap. (no trusts/MIAs: X6827=5) X6584 X6595 X6596 X6597 X6598 X6599 X6900 X6901 X6902 X6903 X6904 X6905 Which ones? 1. Principal residence 2. Investment/vacation properties 3. Businesses 4. Checking accounts 5. IRAs/Keoghs 6. CDs 7. Money market/savings accounts 8. Mutual funds and hedge funds 9. Bonds 10. Stocks 11. Annuities 12. Brokerage accounts 13. Managed investment accounts 14. Vehicles/Other vehicles 15. Insurance 16. Other assets recorded at X4019 etc. -7. *OTHER 0. Inap. (/no further responses; no trusts/MIAs: X6827=5; not included in assets earlier: X6583^=1) X6585 Besides those, do you (or your family living here) have income from or have assets in a trust or managed investment account? 1. *YES 5. *NO 0. Inap. (no trusts/MIAs: X6827=5; not included in assets earlier: X6583=5) X6586 Could you (or your family living here) cash in any of these accounts if you wanted to? That is, do you have any equity interest in any of these accounts? WE DO NOT CARE IF THERE IS A PENALTY FOR CASHING IN THE ACCOUNT. 1. *YES 5. *NO 0. Inap. (no trusts/MIAs: X6827=5; no other trusts/MIAs: X6585=5) X3960 About what would the current value be for the part of the accounts to which you (or your family living here) have rights? $ AMOUNT: 0. Inap. (no trusts/MIAs: X6827=5; no other trusts/MIAs: X6585=5; have trusts/MIAs that could be cashed in: X6586^=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF <= 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6587 How much would you receive if you cashed in these accounts? How much would you receive if you cashed in your managed investment account and any part of the (other accounts/trusts) you may be able to cash in? $ AMOUNT: 0. Inap. (no trusts/MIAs: X6827=5; no other trusts/MIAs: X6585=5; no trusts/MIAs that could be cashed in: X6586=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6588 How much income did you (or your family living here) receive in 2015 from (all) these accounts you could cash in? Please include any earnings that were reinvested. $ AMOUNT: -1. None 0. Inap. (no trusts/MIAs: X6827=5; no other trusts/MIAs: X6585=5; no trusts/MIAs that could be cashed in: X6586=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6589 Do you (or your family living here) (also) have such accounts which you could not cash in--that is, accounts where you receive or could receive only income? 1. *YES 5. *NO 0. Inap. (no trusts/MIAs: X6827=5; no other trusts/MIAs: X6585=5; no trusts/MIAs that could be cashed in: X6586=5) X6590 How much income did you (or your family living here) receive in 2015 from the accounts you could not cash in? How much income did you (or your family living here) receive in 2015 from all the accounts? $ AMOUNT: -1. None 0. Inap. (no trusts/MIAs: X6827=5; no other trusts/MIAs: X6585=5; no trusts/MIAs that could not be cashed in: X6589=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X8490 Originally reported value for trust/MIA income in the case where the respondent did not provide a value for the type of trust/MIA (X6586). In imputation, the value here is assigned to X6588 or X6590, or the amount is split between these two variables. $ AMOUNT: -1. None 0. Inap. (no trusts/MIAs: X6815=5; non-missing value at X6586) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X6836 X6837 X6838 X6839 X6840 X6853 Who manages the accounts--is it any of the institutions from the list that you wrote down, or are they managed by someone else? IF INSTITUTIONS LIST: Which institution(s)? (IF "SOMEPLACE ELSE": What institution is that? ASK R TO UPDATE LIST IF A NEW INSTITUTION IS MENTIONED AT THIS POINT./ IF "SOMEPLACE ELSE": What type of institution is that?) Please look at the Institutions card. Who manages the accounts--is it any of the institutions on the Institutions Card, or are they managed by someone else? IF INSTITUTIONS CARD: Which institution(s)? IF "SOMEPLACE ELSE": What institution is that? CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT. INCLUDE ALL ACCOUNTS REGARDLESS OF WHETHER THEY CAN BE CASHED IN. CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN See MASTER INSTITUTION LIST for other codes (at X308) Codes 11, 12, 13, 16 show on the screen after at least seven distinct institutions have been reported during the course of the interview. 1. *Institution 1 2. *Institution 2 3. *Institution 3 4. *Institution 4 5. *Institution 5 6. *Institution 6 7. *Institution 7 11. *COMMERCIAL BANK; trust company 12. *SAVINGS AND LOAN OR SAVINGS BANK 13. *CREDIT UNION 16. *BROKERAGE; "mutual fund," "hedge fund", n.f.s.; also include general financial service companies that have group membership restrictions (e.g., TIAA/CREF) -7. *A PERSON OR OTHER NON-INSTITUTION 0. Inap. (/no further responses; no trusts or MIAs: X6827=5; no other trusts/MIAs: X6585=5) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X9247 X9248 X9249 X9250 X9251 X9252 Recode: type of institution See MASTER INSTITUTION LIST for other codes (See X308) 0. Inap. (/no further responses; no trusts or MIAs: X6827=5; no other trusts/MIAs: X6585=5) ********************************************************* SEE MASTER INSTITUTION LIST FOR INFORMATION ON CODE COLLAPSING FOR INSTITUTION VARIABLES FOR PUBLIC DATA SET ********************************************************* X6591 How is the money in these accounts invested? Is all of it in stocks, all of it in interest-earning assets, is it split between these, or something else? IF R SAYS 'MUTUAL FUND', PROBE FOR WHETHER IT IS A STOCK FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES 1. *ALL IN STOCKS 2. *ALL IN INTEREST EARNING ASSETS/BONDS 3. *SPLIT 4. Real estate 5. Hedge fund 6. Annuities 8. Mineral rights 9. *GIC/GUARANTEED INCOME CONTRACT 12. Business investment n.e.c. 13. Commodities 15. Life insurance 25. Non publicly traded business or other such investment 30. *MUTUAL FUND OR ETF (NOT A PREFERRED RESPONSE) -7. *OTHER 0. Inap. (no trusts/MIAs: X6827=5; no other trusts/MIAs: X6585=5) ********************************************************* FOR THE PUBLIC DATA SET, CODES 4, 5, 6, 8, 12, 15, AND 25 ARE COMBINED WITH CODE -7; CODE 9 IS COMBINED WITH CODE 2 ********************************************************* X6592 About what percent is in stocks? PERCENT * 100: -1. None 0. Inap. (no trusts/MIAs: X6585=5; holdings not split or in mutual funds: X6591^=(3, 30)) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, ROUNDED TO NEAREST 500 IF BETWEEN 250 AND 9750 INCLUSIVE, OTHERWISE IF > 0 ROUNDED TO NEAREST 100 WITH A TOP-CODE AT 9900 AND A BOTTOM-CODE AT 100 FOR THOSE VALUES ROUNDED ********************************************************* ----------------------------------------------------------------------------- LIFE INSURANCE ----------------------------------------------------------------------------- X4001 Do you (or anyone in your family living here) have any life insurance? Please include individual and group policies, but not accident insurance. DO NOT INCLUDE INSURANCE THAT ONLY PAYS IN SPECIAL CIRCUMSTANCES (FOR EXAMPLE, ACCIDENT LIFE 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 premiums are paid. Are any of your (family's) policies 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 (and your family living here) have? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH) $ AMOUNT: 0. Inap. (no life insurance: X4001^=1; no term insurance: X4002^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4004 Do you have any policies that build up a cash value or that you can borrow on? These are sometimes called 'whole life', 'straight life', or 'universal life' policies. DO NOT INCLUDE ANY INSURANCE ANNUITIES ALREADY RECORDED. 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? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.) $ AMOUNT: 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4006 If you cancelled these policies now, how much would you receive from the insurance company for the payments you have made up to now? That is, what is the current 'cash value' of the policies? $ AMOUNT: -1. Nothing 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* Edit Check: If face value is less than cash value: IF X4005 < X4006: CAPI text displayed: ATTENTION: FACE VALUE LESS THAN CASH VALUE. PROBE TO BE SURE R UNDERSTOOD THE QUESTIONS. COMMENT LATER COMMENT NOW X4007 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? 1. *Net 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; cash value=0: X4006=-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; cash value=0 and not borrowing against: X4006=-1 and X4007^=1) X7645 Where did you tell me about these loans? 1. *Credit card or store debt 2. *Mortgage debt 3. *Home equity loan 4. *Other home purchase loan 5. *Home improvement loan 6. *Loan for other real estate 7. *Line of credit 8. *Business loan 9. *Vehicle loan 10. *Education Loan 11. *Other installment loan 12. *Margin loan 13. *Insurance loan 14. *Pension loan 25. Other installment loan #1 (X6842=1) 26. Other installment loan #2 (X6843=1) 27. Other installment loan #3 (X6844=1) 28. Other installment loan #4 (X6845=1) 29. Other installment loan #5 (X6846=1) 30. Other installment loan #6 (X6847=1) -7. *Other 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0 and not borrowing against: X4006=-1 and X4007^=1; loan not reported earlier: X4009^=1) NOTE: The loan types above marked with an asterisk only appeared on an interviewer's screen when the respondent had previously reported having those types of loans. 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. X2220 20. X2320 21. X2420 22. X7171 23. X2521 24. X2621 25. X7823 26. X7846 27. X7869 28. X7923 29. X7946 30. X7969 31. X2725 32. X2742 33. X2825 34. X2842 35. X2925 36. X2942 37. X3122 38. X3222 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0 and not borrowing against: X4006=-1 and X4007^=1; loan not reported earlier: X4009^=1) X4010 How much is currently borrowed? $ AMOUNT: 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; cash value=0 and not borrowing against: X4006=-1 and X4007^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4011 Typically how much are the payments on these loans? $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; cash value=0 and not borrowing against: X4006=-1 and X4007^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4012 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only 11. *Twice per year 12. Every two months 31. *Twice a month -1. None -2. NO TYPICAL PAYMENT -7. *Other 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; cash value=0 and not borrowing against: X4006=-1 and X4007^=1) X4013 What is the current annual rate of interest being charged on these loans? PERCENT * 100: -1. Nothing 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; cash value=0 and not borrowing against: X4006=-1 and X4007^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4014 How much are the premiums for these policies that build up a cash value? $ AMOUNT: -1. None -2. NO TYPICAL PAYMENT 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4015 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. (And that amount is per...?) FREQUENCY: 2. *Week 3. *Every two weeks 4. *Month 5. *Quarter 6. *Year 8. *Lump sum/one payment only; in total 11. Twice per year 12. Every two months 21. Policy paid up 31. *Twice a month -1. None -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 sum of the face value of term and cash value life insurance. X4016 (Other than this term insurance, what/What) is the current face value of all the life insurance you (and your family living here) own? $ 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) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* ----------------------------------------------------------------------------- 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 (or anyone in your family living here) owed any money by friends, 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? $ AMOUNT: 0. Inap. (R not owed money: X4017^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOTE: This question is only asked if owed money by friends, businesses, or others: X4017=1. This verbatim response is then used in editing. What type of loan or investment is this? X4019 Other than pension assets and other such retirement 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) INTERVIEWER: GROUP ONLY SIMILAR ITEMS, STARTING WITH THE MOST VALUABLE GROUP. 1. Gold 2. Silver (incl. silverware) 3. Other metals or metals NA type 10. Jewelry; gem stones (incl. antique) 11. Cars (antique or classic) (with rare exception [generally when the vehicle is not in running condition, but still has significant value], these should be reclassified in Section G) 12. Antiques; furniture 13. Art objects; paintings, sculpture, textile art, ceramic art, photographs 14. (Rare) books 15. Coin/currency collections 16. Stamp collections 17. Guns 18. Misc. real estate (except cemetery); deposit on real estate; boat dock (with rare exception, these should be reclassified in Section E) 19. Cemetery plots 20. China; figurines; crystal/glassware 21. Musical instruments 22. Livestock; horses; crops 23. Oriental rugs 24. Furs; high-end clothes and accessories 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 (includes expected settlement from a divorce) 65. Future proceeds from an estate 66. Deferred compensation 67. Insurance Settlement 68. Other deferred income (other than 66) 70. Commodities n.f.s. 71. Oil/gas/mineral leases or other land leases 72. Futures contracts, stock options, derivatives (include CDOs, reinsurance, debt guarantees, etc.) 73. Royalties; patents 74. Non-publicly traded stock, n.e.c.; stock with restricted trading rights, n.e.c. 75. Computer 76. Equipment/tools, n.e.c. 77. Future lottery/prize receipts 78. Association, club, or exchange membership 79. Other obligations to R 80. Child support owed to R 81. Remaining payment from sale of an asset; other cash due from dissolution of business 82. PayPal or other online cash account; include online gambling accounts 83. Tax credit 84. Stored-value card -7. *Other 0. Inap. (no misc. assets: X4019^=1/ no second asset: X4023^=1/ no third asset: X4027^=1) ********************************************************* FOR THE PUBLIC DATA SET, CODES 1 AND 2 ARE COMBINED WITH CODE 3; CODES 14, 15, 16, 17, 20, 23, AND 25 ARE COMBINED WITH CODE 12; CODE 61 IS COMBINED WITH CODE 62; CODE 68 IS COMBINED WITH CODE 66; CODE 72 IS COMBINED WITH CODE 71; CODE 78 IS COMBINED WITH CODE 74; CODES 82 AND 84 ARE COMBINED WITH CODE 63; CODES 64, 65, 67, 77, 79, 80, AND 83 ARE COMBINED WITH CODE -7 ********************************************************* NOTE: This question is intended to catch any significant assets that the respondent might have omitted earlier, in addition to the items specifically mentioned in the question text. In many cases, the data originally reported here may be more appropriate in another part of the questionnaire. In such cases, the data are moved and the fact that information was moved is indicated by the value of the shadow variable (J-code) of the data in the new location. X4022(#1) What is the total dollar value that you (and your family X4026(#2) living here) have in this asset? X4030(#3) $ AMOUNT: 0. Inap. (no misc. assets: X4019^=1/ no second asset: X4023^=1/ no third asset: X4027^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,9999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4023(#1) Do you have any other such substantial assets? X4027(#2) 1. *YES 5. *NO 0. Inap. (no misc. assets: X4019^=1/ no second asset: X4023^=1) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X4031 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. DO NOT INCLUDE LOANS AGAINST PENSION ACCOUNTS BELONGING TO R OR SPOUSE/PARTNER. 1. *YES 5. *NO X4032 How much is owed? $ AMOUNT: 0. Inap. (no misc. debts: X4031^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,999999999] IF < 1 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* NOTE: This question is only asked if owe any money not recorded earlier: X4031=1. This verbatim response is then used in editing. What type of debt is this? ----------------------------------------------------------------------------- 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 0. Inap. (no accounts: X3501^=1 & X3719^=1 & X3727^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 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) THE FOLLOWING QUESTIONS ARE ASKING ABOUT THE X7263(#2) (RESPONDENT'S/[SPOUSE/PARTNER]'S) EMPLOYMENT INTERVIEWER: IF SPOUSE/PARTNER IS PRESENT, TRY TO OBTAIN EMPLOYMENT INFORMATION FROM (HIM/HER) DIRECTLY. INTERVIEWER: WHO IS PROVIDING EMPLOYMENT INFORMATION ABOUT THE (RESPONDENT/RESPONDENT'S [SPOUSE/PARTNER])? 1. *HEAD 2. *SPOUSE/PARTNER 3. Case was a breakoff/data missing because of iwer/CAPI error 0. Inap. (no spouse or partner) X6670 X6671 X6672 X6673 X6674 X6675 X6676 X6677 (#1) X6678 X6679 X6680 X6681 X6682 X6683 X6684 X6685 (#2) IN PERSON VERSION: (SHOW CARD 19) We are interested in your (husband/wife/partner/spouse)'s present job status. (Are you/Is he/Is she/Is he or she) working now, temporarily laid off, unemployed and looking for work, on sick leave, disabled and unable to work, retired, a student, a homemaker, or something else? IF R HAS MULTIPLE JOBS, RECORD THE ONE MOST IMPORTANT TO R HERE AND CODE THE OTHER LATER AS A SECOND JOB. CODE 'OTHER' ONLY IF AN APPROPRIATE CODE IS NOT AVAILABLE! CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN TELEPHONE VERSION: We are interested in your (husband/wife/partner/spouse)'s present job status. (Are you/Is he/Is she/Is he or she) working now, temporarily laid off, unemployed and looking for work, on sick leave, disabled and unable to work, retired, a student, a homemaker, or something else? IF R HAS MULTIPLE JOBS, RECORD THE ONE MOST IMPORTANT TO R HERE AND CODE THE OTHER LATER AS A SECOND JOB. CODE 'OTHER' ONLY IF AN APPROPRIATE CODE IS NOT AVAILABLE! CODE ALL THAT APPLY: CODE RESPONSES IN THE ODER THEY ARE GIVEN 1. *WORKING NOW/SELF-EMPLOYED; job accepted and waiting to start work 2. *TEMPORARILY LAID OFF; seasonal work and not working now 3. *UNEMPLOYED AND LOOKING FOR WORK 4. *STUDENT; job training 5. *HOMEMAKER; never worked; misc. out of the labor force n.e.c. (including prison) 6. *DISABLED 7. *RETIRED (FULL, PARTIAL, OR TEMPORARY) 8. *ON SICK LEAVE OR MATERNITY LEAVE 10. *VOLUNTEER WORK 11. *ON VACATION/OTHER LEAVE OF ABSENCE 13. On sabbatical/extended leave and expecting to go back to job 15. *ON STRIKE 16. *OTHER NOT WORKING AND NOT LOOKING FOR WORK (X6670 only) 0. Inap. (/no further responses; /no spouse/partner) ********************************************************* CRITICAL VARIABLE: If the work status of the (R/SP) is answered "don't know" or "refuse," the following text appears in CAPI: ATTENTION: Work experience is a critical detail in this interview. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time. TERMINATE INTERVIEW GO BACK AND CHANGE WORK STATUS ********************************************************* FOR THE PUBLIC DATA SET, CODE 8 IS COMBINED WITH CODE 6; CODES 11, 13 AND 15 ARE COMBINED WITH CODE 1 ********************************************************* NOTE: CARD 19 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/Does she) expect to go back to this job? X4701(#2) INTERVIEWER: IF R IS EXPECTING TO GO BACK TO A JOB, CODE YES. 1. *YES 5. *NO 0. Inap. (not laid off, on sick leave or on strike: X6670-X6677^=(2, 8, 15)/ X6678-X6685^=(2, 8, 15); /no spouse/partner) When did (you/he/she) last work on this job? X4102(#1) MONTH: X4702(#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. (not laid off, on sick leave or on strike: X6670-X6677^=(2, 8, 15)/ X6678-X6685^=(2, 8, 15); not expecting to go back to this job: X4101/X4701^=1; /no spouse/partner) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X4103(#1) YEAR: X4703(#2) 0. Inap. (not laid off or on sick leave: X6670-X6677^=(2, 8, 15)/ X6678-X6685^=(2, 8, 15); not expecting to go back to this job: X4101/X4701^=1; /no spouse/partner) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-100,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF X4102/X4702>X3 AND X4103/X4703=X8095: FUTURE DATE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 2016 ********************************************************* When did (you/your wife/your husband/your spouse/your partner) become disabled? When did (you/your wife/your husband/your spouse/your partner) retire? X4104(#1) YEAR: X4704(#2) 0. Inap. (not retired or disabled: X6670-X6677^=(6, 7)/ X6678-X6685^=(6, 7); /no spouse/partner) ********************************************************* ORIGINALLY ALLOWED VALUES: [X8095-120,...,X8095] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* FOR THE PUBLIC DATA SET, TOP-CODED AT 2016 ********************************************************* X7197(#1) AT AGE: X7264(#2) -1. Disabled since birth 0. Inap. (not retired or disabled: X6670-X6677^=(6, 7)/ X6678-X6685^=(6, 7); /no spouse/partner) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8022/X104: GREATER THAN CURRENT AGE ERROR MESSAGE ********************************************************* X7198(#1) YEARS AGO: X7265(#2) -1. 2016 0. Inap. (not retired or disabled: X6670-X6677^=(6, 7)/ X6678-X6685^=(6, 7); /no spouse/partner) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,99] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE IF > X8022/X104: GREATER THAN CURRENT AGE ERROR MESSAGE ********************************************************* EDIT CHECK: If an unusual age for retirement/disability: IF X7001 NOT EQUAL 1 THEN RAGE=X8022 ELSE RAGE=(X8095-X5908) IF (((RAGE/X104-(X8095-X4104/X4704)) < 12)| ((RAGE/X104-(X8095-X4104/X4704)) > 95)| (X7197/X7264 < 12)| (X7197/X7264 > 95)| ((RAGE/X104-X7198/X7265) < 12)| ((RAGE/X104-X7198/X7265) > 95)) CAPI text displayed: ATTENTION: UNUSUAL RESPONSE: RESPONDENT REPORTED/RESPONDENT REPORTED [SPOUSE/PARTNER]/[SPOUSE/PARTNER] REPORTED BECOMING RETIRED/DISABLED IN X4104/X4704. THIS IMPLIES RESPONDENT/[SPOUSE/PARTNER] BECAME RETIRED/ DISABLED AT AGE (RAGE/X104-(X8095-X4104/X4704)). PLEASE CONFIRM. ATTENTION: UNUSUAL RESPONSE: RESPONDENT REPORTED/RESPONDENT REPORTED [SPOUSE/PARTNER]/[SPOUSE/PARTNER] REPORTED BECOMING RETIRED/DISABLED AT AGE X7197/X7264. PLEASE CONFIRM. ATTENTION: UNUSUAL RESPONSE: RESPONDENT REPORTED/RESPONDENT REPORTED [SPOUSE/PARTNER]/[SPOUSE/PARTNER] REPORTED BECOMING RETIRED/DISABLED X7198/X7265 YEARS AGO. THIS IMPLIES RESPONDENT/[SPOUSE/PARTNER] BECAME RETIRED/ DISABLED AT AGE (RAGE/X104-X7198/X7265). PLEASE CONFIRM. COMMENT LATER COMMENT NOW ********************************************************* X6780(#1) At any time during the past twelve months, (were you/was X6784(#2) he/was she/was he or she) unemployed and looking for work? 1. *YES 5. *NO 0. Inap. (/no spouse/partner) X6781(#1) Over (this period/the past 12 months), how many weeks in total X6785(#2) (were you/was he/was she/was he or she) unemployed and looking for work? NUMBER OF WEEKS: 0. Inap. (/no spouse/partner; not unemployed and looking for work in past 12 months: X6780^=1/X6784^=1) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,52] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X4105(#1) (Are you/Is he/Is she/Is he or she) doing any work for pay X4705(#2) at the present time? INTERVIEWER: IF R IS EXPECTING TO GO BACK TO A JOB, CODE YES. 1. *YES 5. *NO 0. Inap. (any work status working or laid off, on sick leave or on strike but not expecting to go back: X6670-X6677=(1,11) or X6670-X6677=(2, 8, 15) and X4101^=5/X6678-X6685=(1,11) or X6678-X6685=(2, 8, 15) and X4701^=5) X7591(#1) Do you consider your volunteer work the quivalent of a job? X7589(#2) 0. Inap. (no volunteer work status: X6670-X6677^=10; currently working: X4705^=5) 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, expecting to return to work 21. Temporarily laid off, not expecting to return to job and no current work (also including student) 22. On sick/maternity leave and expecting to return to work (also including disabled) 23. On sick/maternity leave, but not expecting to return to work 24. On sabbatical and expecting to go back to work 30. Unemployed and looking for work (also including homemaker, student, disabled) 50. Retired, retired + disabled, retired + unemployed, retired + homemaker, retired + student 52. Disabled (also including student, homemaker, and laid off but not expecting to return to work) 70. Student (also including homemaker) 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 beside 11, 12, 13, 14, 15 ,16, 17 97. Other (incl. combination) not including WORKER 199. Absent spouse not included in IW 0. Inap. (/no spouse/partner) ********************************************************* FOR THE PUBLIC DATA SET, THIS VARIABLE IS COMPUTED USING THE TRUNCATIONS INCORPORATED AT X6670 OR X6678 AND RELATED VARIABLES ********************************************************* X4106(#1) Next are some questions about your (husband/wife/ X4706(#2) partner/spouse)'s current, main job. (Do you/Does he/ Does she/Does he or she) work for someone else, (are you/is he/is she/is he or she) self-employed, or something else? IF (R/SP) IS BOTH SELF-EMPLOYED AND WORKS FOR SOMEONE ELSE, SELECT THE ONE (R/SP) WORKS FOR THE MOST. CODE "OTHER" ONLY IF NO OTHER CATEGORY APPLIES AT ALL.. 1. *Someone else 2. *Self-employed; other closely held business owned by PEU 3. *PARTNERSHIP; law firm; medical/dental partnership; other non-publicly-traded business in which R/S/P has an interest 4. *CONSULTANT/CONTRACTOR -7. *OTHER 0. Inap. (not doing any work for pay: X4105=5/X4705=5; volunteer work not considered a job: X7591=5/X7589=5; /no spouse/partner) ********************************************************* FOR THE PUBLIC DATA SET, CODES 3 AND 4 ARE COMBINED WITH CODE 2 ********************************************************* X7092(#1) Earlier you said (you do/your wife does/your husband does/ X7096(#2) your spouse does/your partner does) not have a business. Earlier you said (you do/your wife does/your husband does/ your spouse does/your partner does) not work in a business that you (and your family living here) own. Does your (husband/wife/spouse/partner)'s share of the place where (you are/she is/he is/he or she is) self employed have a net value? Does your (husband/wife/spouse/partner)'s share of the place where (you are/he is/she is/he or she is) in a partnership have a net value? 1. *YES 2. Business reported in the business section as a business in which the family does not have an active management role 3. Business not initially reported, but data edited into business section 4. Business included in mopup in the business section 5. *NO 0. Inap. (not doing any work for pay: X4105=5/ X4705=5; /no spouse/partner; not self-employed: X4106^=(2, 3, 4)/ X4706^=(2, 3, 4); working at any actively managed businesses and data not edited in: (X3113=1 or X3213=1 or X3313=1) and X7092 ^=3/ (X3114=1 or X3214=1 or X3314=1) and X7096^=3; R lives alone and has an actively managed business and data not edited in: X7001=1 & X6689>0 and X7092; volunteer work not considered a job: X7591=5/X7589=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7094(#1) What share of this business (do you/does your wife/does your X7098(#2) husband/does your partner/does your spouse) own? SHARE * 100: 0. Inap. (not doing any work for pay: X4105=5/ X4705=5; /no spouse/partner; not self-employed: X4106^=(2, 3, 4)/ X4706^=(2, 3, 4); working at any actively managed businesses and data not edited in: (X3113=1 or X3213=1 or X3313=1) and X7092^=3/(X3114=1 or X3214=1 or X3314=1) and X7096 ^=3; R lives alone and has an actively managed business and data not edited in: X7001=1 & X6689>0 and X7092; data edited in or no net value for share: X7092=(3, 5)/X7096=(3, 5); volunteer work not considered a job: X7591=5/X7589=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [1,...,100] IF OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7093(#1) How much is your (husband/wife/partner/spouse)'s X7097(#2) share worth? $ AMOUNT: -1. Nothing 0. Inap. (not doing any work for pay: X4105=5/ X4705=5; /no spouse/partner; not self-employed: X4106^=(2, 3, 4)/ X4706^=(2, 3, 4); working at any actively managed businesses and data not edited in: (X3113=1 or X3213=1 or X3313=1) and X7092 ^=3/(X3114=1 or X3214=1 or X3314=1) and X7096 ^=3; R lives alone and has an actively managed business and data not edited in: X7001=1 & X6689>0 and X7092; data edited in or no net value for share: X7092=(3, 5)/ X7096=(3, 5); volunteer work not considered a job: X7591=5/X7589=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,9999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7095(#1) What is the cost basis for tax purposes of (your/his/her) X7099(#2) share? PROBE ONLY IF NECESSARY: What was (your/his/her) original investment? $ AMOUNT: -1. Nothing 0. Inap. (not doing any work for pay: X4105=5/ X4705=5; /no spouse/partner; not self-employed: X4106^=(2, 3, 4)/ X4706^=(2, 3, 4); working at any actively managed businesses and data not edited in: (X3113=1 or X3213=1 or X3313=1) and X7092 ^=3/(X3114=1 or X3214=1 or X3314=1) and X7096 ^=3; R lives alone and has an actively managed business and data not edited in: X7001=1 & X6689>0 and X7092; data edited in or no net value for share: X7092=(3, 5)/X7096=(3, 5); volunteer work not considered a job: X7591=5/X7589=5) ********************************************************* ORIGINALLY ALLOWED VALUES: [0,...,999999999] IF < 0 OUT OF RANGE: ILLEGAL VALUE ERROR MESSAGE ********************************************************* X7402(#1) What kind of business or industry (do you/does your wife/ X7412(#2) does your husband/does your partner/does your spouse) work in -- that is, what do they make or do at the place where (you/he/she/he or she) work(s)? CENSUS 2012 4-DIGIT INDUSTRY CODE Agriculture, Forestry, Fishing and Hunting 170 Crop production 180 Animal production 190 Forestry, except Logging 270 Logging 280 Fishing, hunting, and trapping 290 Support activities for agriculture and forestry Mining 370 Oil and gas extraction 380 Coal mining 390 Metal ore mining 470 Nonmetallic mineral mining and quarrying 490 Support activities for mining Utilities 570 Electric power generation, transmission, and distribution 580 Natural gas distribution 590 Electric and gas, and other combinations 670 Water, steam, air-conditioning, and irrigation systems 680 Sewage treatment facilities 690 Not specified utilities Construction 770 Construction (Includes the cleaning of buildings and dwellings is incidental during construction and immediately after construction) Manufacturing Nondurable Goods Food Manufacturing 1070 Animal food, grain and oilseed milling 1080 Sugar and confectionery products 1090 Fruit and vegetable preserving and specialty foods 1170 Dairy products 1180 Animal slaughtering and processing 1190 Retail bakeries 1270 Bakeries, except retail 1280 Seafood and other miscellaneous food, n.e.c. 1290 Not specified food industries Beverage and Tobacco Products Manufacturing 1370 Beverage 1390 Tobacco Textile Mills and Textile Product Mills 1470 Fiber, yarn, and thread mills 1480 Fabric mills, except knitting 1490 Textile and fabric finishing and coating mills 1570 Carpets and rugs 1590 Textile product mills except carpets and rugs Apparel Manufacturing 1670 Knitting mills 1680 Cut and sew apparel 1690 Apparel accessories and other apparel Leather and Allied Product Manufacturing 1770 Footwear 1790 Leather tanning and products, except footwear Paper Manufacturing 1870 Pulp, paper, and paperboard mills 1880 Paperboard containers and boxes 1890 Miscellaneous paper and pulp products Printing and Related Support Activities 1990 Printing and related support activities Petroleum and Coal Products Manufacturing 2070 Petroleum refining 2090 Miscellaneous petroleum and coal products Chemical Manufacturing 2170 Resin, synthetic rubber and fibers, and filaments manufacturing 2180 Agricultural chemical manufacturing 2190 Pharmaceuticals and medicine manufacturing 2270 Paint, coating, and adhesive manufacturing 2280 Soap, cleaning compound, and cosmetics manufacturing 2290 Industrial and miscellaneous chemicals Plastics and Rubber Products Manufacturing 2370 Plastics product manufacturing 2380 Tire manufacturing 2390 Rubber product, except tire, manufacturing Durable Goods Nonmetallic Mineral Product Manufacturing 2470 Pottery, ceramics, and plumbing fixture manufacturing 2480 Structural clay product manufacturing 2490 Glass and glass product manufacturing 2570 Cement, concrete, lime, and gypsum product manufacturing 2590 Miscellaneous nonmetallic mineral product manufacturing Metal Industries 2670 Iron and steel mills and steel product manufacturing 2680 Aluminum production and processing 2690 Nonferrous metal, except aluminum, production and processing 2770 Foundries 2780 Metal forgings and stampings 2790 Cutlery and hand tool manufacturing 2870 Structural metals, and boiler, tank, and shipping containers 2880 Machine shops; turned product; screw, nut, and bolt manufacturing 2890 Coating, engraving, heat treating and allied activities 2970 Ordnance 2980 Miscellaneous fabricated metal products manufacturing 2990 Not specified metal industries Machinery Manufacturing 3070 Agricultural implement manufacturing 3080 Construction, and mining and oil and gas field machinery manufacturing 3095 Commercial and service industry machinery manufacturing 3170 Metalworking machinery manufacturing 3180 Engines, turbines, and power transmission equipment manufacturing 3190 Machinery manufacturing, n.e.c. Computer and Electronic Product Manufacturing 3365 Computer and peripheral equipment manufacturing 3370 Communications, audio, and video equipment manufacturing 3380 Navigational, measuring, electomedical, and control instruments manufacturing 3390 Electronic component and product manufacturing, n.e.c. Electrical Equipment, Appliances, and Component Manufacturing 3470 Household appliance manufacturing 3490 Electrical lighting and electrical equipment manufacturing, and other electrical component manufacturing, n.e.c. Transportation Equipment Manufacturing 3570 Motor vehicles and motor vehicle equipment manufacturing 3580 Aircraft and parts manufacturing 3590 Aerospace products and parts manufacturing 3670 Railroad rolling stock manufacturing 3680 Ship and boat building 3690 Other transportation equipment manufacturing Wood Products Manufacturing 3770 Sawmills and wood preservation 3780 Veneer, plywood, and engineered wood products 3790 Prefabricated wood buildings and mobile homes 3875 Miscellaneous wood products 3895 Furniture and fixtures manufacturing Miscellaneous Manufacturing 3960 Medical equipment and supplies manufacturing 3970 Sporting and athletic goods, and doll, toy and game manufacturing 3980 Miscellaneous manufacturing, n.e.c. 3990 Not specified manufacturing industries Wholesale and retail trade Wholesale trade 4070 Motor vehicles, parts and supplies, merchant wholesalers 4080 Furniture and home furnishing, merchant wholesalers 4090 Lumber and other construction materials, merchant wholesalers 4170 Professional and commercial equipment and supplies, merchant wholesalers 4180 Metals and minerals, except petroleum, merchant wholesalers 4195 Electrical and electronic goods, merchant wholesalers 4265 Hardware, plumbing and heating equipment, and supplies, merchant wholesalers 4270 Machinery, equipment, and supplies, merchant wholesalers 4280 Recyclable material, merchant wholesalers 4290 Miscellaneous durable goods, merchant wholesalers 4370 Paper and paper products, merchant wholesalers 4380 Drugs, sundries, and chemical and allied products, merchant wholesalers 4390 Apparel, fabrics, and notions, merchant wholesalers 4470 Groceries and related products, merchant wholesalers 4480 Farm product raw materials, merchant wholesalers 4490 Petroleum and petroleum products, merchant wholesalers 4560 Alcoholic beverages, merchant wholesalers 4570 Farm supplies, merchant wholesalers 4580 Miscellaneous nondurable goods, merchant wholesalers 4585 Wholesale electronic markets, agents and brokers 4590 Not specified wholesale trade Retail Trade 4670 Automobile dealers 4680 Other motor vehicle dealers 4690 Auto parts, accessories, and tire stores 4770 Furniture and home furnishings stores 4780 Household appliance stores 4795 Radio, TV, and computer stores 4870 Building material and supplies dealers 4880 Hardware stores 4890 Lawn and garden equipment and supplies stores 4970 Grocery stores 4980 Specialty food stores 4990 Beer, wine, and liquor stores 5070 Pharmacies and drug stores 5080 Health and personal care, except drug, stores 5090 Gasoline stations 5170 Clothing stores 5180 Shoe stores 5190 Jewelry, luggage, and leather goods stores 5275 Sporting goods, camera, and hobby and toy stores 5280 Sewing, needlework and piece goods stores 5295 Music stores 5370 Book stores and news dealers 5380 Department stores and discount stores 5390 Miscellaneous general merchandise stores 5470 Retail florists 5480 Office supplies and stationary stores 5490 Used merchandise stores 5570 Gift, novelty, and souvenir shops 5580 Miscellaneous retail stores 5590 Electronic shopping 5591 Electronic auctions 5592 Mail order houses 5670 Vending machine operators 5680 Fuel dealers 5690 Other direct selling establishments 5790 Not specified retail trade Transportation and Warehousing 6070 Air transportation 6080 Rail transportation 6090 Water transportation 6170 Truck transportation 6180 Bus service and urban transit 6190 Taxi and limousine service 6270 Pipeline transportation 6280 Scenic and sightseeing transportation 6290 Services incidental to transportation 6370 Postal Service 6380 Couriers and messengers 6390 Warehousing and storage Information and Communications Publishing Industries 6470 Newspaper publishers 6480 Periodical, book, and directory publishers 6490 Software publishing 6570 Motion pictures and video industries 6590 Sound recording industries 6670 Radio and television broadcasting and cable subscription programming 6672 Internet publishing and broadcasting and web search portals 6680 Wired telecommunications carriers 6690 Other telecommunication services 6695 Data processing, hosting, and related services Other Information Services 6770 Libraries and archives 6780 Other information services Finance, Insurance, Real Estate, and Rental and Leasing Finance and Insurance 6870 Banking and related activities 6880 Savings institutions, including credit unions 6890 Non-depository credit and related activities 6970 Securities, commodities, funds, trusts, and other financial investments 6990 Insurance carriers and related activities Real Estate and Rental and Leasing 7070 Real estate 7080 Automotive equipment rental and leasing 7170 Video tape and disk rental 7180 Other consumer goods rental 7190 Commercial, industrial, and other intangible assets rental and leasing Professional, Scientific, Management, Administrative, and Waste Management Services Professional and Technical Services 7270 Legal services 7280 Accounting, tax preparation, bookkeeping and payroll services 7290 Architectural, engineering, and related services 7370 Specialized design services 7380 Computer systems design and related services 7390 Management, scientific, and technical consulting services 7460 Scientific research and development services 7470 Advertising and related services 7480 Veterinary services 7490 Other professional, scientific and technical services Management, Administrative, and Waste Services 7570 Management of companies and enterprises 7580 Employment services 7590 Business support services 7670 Travel arrangements and reservation services 7680 Investigation and security services 7690 Services to buildings and dwellings 7770 Landscaping services 7780 Other administrative and other support services 7790 Waste management and remediation services Educational, Health, and Social Services Educational Services 7860 Elementary and secondary school 7870 Colleges, including junior colleges, and universities 7880 Business, technical, and trade schools and training 7890 Other schools, instruction and educational support services Health Care 7970 Offices of physicians 7980 Offices of dentists 7990 Office of chiropractors 8070 Offices of optometrists 8080 Offices of other health practitioners 8090 Outpatient care centers 8170 Home health care services 8180 Other health care services 8190 Hospitals 8270 Nursing care facilities 8290 Residential care facilities, without nursing Social Assistance 8370 Individual and family services 8380 Community food and housing, and emergency services 8390 Vocational rehabilitation services 8470 Child day care services Arts, Entertainment, Recreation, Accommodations, and Food Services Arts, Entertainment, and Recreation 8560 Independent artists, performing arts, spectator sports, and related industries 8570 Museums, art galleries, historical sites, and similar institutions 8580 Bowling centers 8590 Other amusement, gambling, and recreation industries Accommodations and Food Services 8660 Traveler accommodation 8670 Recreational vehicle parks and camps, and rooming and boarding houses 8680 Restaurants and other food services 8690 Drinking places, alcohol beverages Other Services (Except Public Administration) Repair and Maintenance 8770 Automotive repair and maintenance 8780 Car washes 8790 Electronic and precision equipment repair and maintenance 8870 Commercial and industrial machinery repair and maintenance 8880 Personal and household goods repair and maintenance and footwear and leather goods repair Personal and Laundry Services 8970 Barber shops 8980 Beauty salons 8990 Nail salons and other personal care services 9070 Dry cleaning and laundry services 9080 Funeral homes, cemeteries, and crematories 9090 Other personal services Religious, Grantmaking, Civic, Business, and Similar Organizations 9160 Religious organizations 9170 Civic, social, advocacy organizations and grantmaking and giving services 9180 Labor unions 9190 Business, professional, political and similar organizations Private Households 9290 Private households Public Administration 9370 Executive offices and legislative bodies 9380 Public finance activities 9390 Other general government and support 9470 Justice, public order, and safety activities 9480 Administration of human resource programs 9490 Administration of environmental quality and housing programs 9570 Administration of economic programs and space research 9590 National security and international affairs 9890 Armed Forces 0. Inap. (not doing any work for pay: X4105=5/ X4705=5; no spouse/partner) ************************************************************ In the public version of the data set, these codes have been collapsed in the following way: IF (170 <= 4-digit ind. code <=290) THEN ind. code=1; ELSE IF (7480 <= 4-digit ind. code <=7480) THEN ind. code=1; ELSE IF (7770 <= 4-digit ind. code <=7770) THEN ind. code=1; ELSE IF (370 <= 4-digit ind. code <=490) THEN ind. code=2; ELSE IF (770 <= 4-digit ind. code <=770) THEN ind. code=2; ELSE IF (1070 <= 4-digit ind. code <=3990) THEN ind. code=3; ELSE IF (6470 <= 4-digit ind. code <=6480) THEN ind. code=3; ELSE IF (8560 <= 4-digit ind. code <=8560) THEN ind. code=3; ELSE IF (4070 <= 4-digit ind. code <=5790) THEN ind. code=4; ELSE IF (8680 <= 4-digit ind. code <=8690) THEN ind. code=4; ELSE IF (6490 <= 4-digit ind. code <=6490) THEN ind. code=5; ELSE IF (6695 <= 4-digit ind. code <=6695) THEN ind. code=5; ELSE IF (6870 <= 4-digit ind. code <=7080) THEN ind. code=5; ELSE IF (7190 <= 4-digit ind. code <=7190) THEN ind. code=5; ELSE IF (7580 <= 4-digit ind. code <=7590) THEN ind. code=5; ELSE IF (7680 <= 4-digit ind. code <=7680) THEN ind. code=5; ELSE IF (8770 <= 4-digit ind. code <=8890) THEN ind. code=5; ELSE IF (570 <= 4-digit ind. code <=690) THEN ind. code=6; ELSE IF (6070 <= 4-digit ind. code <=6390) THEN ind. code=6; ELSE IF (6570 <= 4-digit ind. code <=6692) THEN ind. code=6; ELSE IF (6770 <= 4-digit ind. code <=6780) THEN ind. code=6; ELSE IF (7170 <= 4-digit ind. code <=7180) THEN ind. code=6; ELSE IF (7270 <= 4-digit ind. code <=7470) THEN ind. code=6; ELSE IF (7490 <= 4-digit ind. code <=7570) THEN ind. code=6; ELSE IF (7670 <= 4-digit ind. code <=7670) THEN ind. code=6; ELSE IF (7690 <= 4-digit ind. code <=7690) THEN ind. code=6; ELSE IF (7780 <= 4-digit ind. code <=8470) THEN ind. code=6; ELSE IF (8570 <= 4-digit ind. code <=8670) THEN ind. code=6; ELSE IF (8970 <= 4-digit ind. code <=9290) THEN ind. code=6; ELSE IF (9370 <= 4-digit ind. code <=9890) THEN ind. code=7; ************************************************************ X7401(#1) What is the official title of your (husband/wife/partner/ X7411(#2) spouse)'s job? (The title that (your/his/her/his or her) employer uses?) PROBE: Is that the full title? What sort of work (do you/does he/does she/does he or she) do on (your/his/her/his or her) job? (Tell me a little more about what (you do/he does/she does/he or she does.) CENSUS 2010 4-DIGIT OCCUPATION CODES Management Occupations 10 Chief executives 20 General and operations managers 40 Advertising and promotions managers 50 Marketing and sales managers 60 Public relations managers 100 Administrative services managers 110 Computer and information systems managers 120 Financial managers 135 Compensation and benefits managers 136 Human resources managers 137 Training and development managers 140 Industrial production managers 150 Purchasing managers 160 Transportation, storage, and distribution managers 205 Farmers, ranchers, and other agricultural managers 220 Construction managers 230 Education administrators 300 Engineering managers 310 Food service managers 330 Gaming managers 340 Lodging managers 350 Medical and health services managers 360 Natural sciences managers 410 Property, real estate, and community association managers 420 Social and community service managers 425 Emergency management directors 430 Managers, all other Business Operations Specialists 500 Agents and business managers of artists, performers, and athletes 510 Purchasing agents and buyers, farm products 520 Wholesale and retail buyers, except farm products 530 Purchasing agents, except wholesale, retail, and farm products 540 Claims adjusters, appraisers, examiners, and investigators 565 Compliance officers 600 Cost estimators 630 Human resource workers 640 Compensation, benefits, and job analysis specialists 650 Training and development specialists 700 Logisticians 710 Management analysts 725 Meeting, convention, and event planners 726 Fundraisers 735 Market research analysts and marketing specialists 740 Business operations specialists, all other Financial Specialists 800 Accountants and auditors 810 Appraisers and assessors of real estate 820 Budget analysts 830 Credit analysts 840 Financial analysts 850 Personal financial advisors 860 Insurance underwriters 900 Financial examiners 910 Loan counselors and officers 930 Tax examiners, collectors, and revenue agents 940 Tax prepares 950 Financial specialists, all other Computer and Mathematical Occupations 1005 Computer and information research scientists 1006 Computer systems analysts 1007 Information security analysts 1010 Computer programmers 1020 Software developers, applications and systems software 1030 Web developers 1050 Computer support specialists 1060 Database administrators 1105 Network and computer systems administrators 1106 Computer network architects 1107 Computer occupations, all other 1200 Actuaries 1220 Operations research analysts 1240 Mathematicians, statisticians and miscellaneous mathematical science occupations Architecture and Engineering Occupations 1300 Architects, except naval 1310 Surveyors, cartographers, and photogrammetrists 1320 Aerospace engineers 1340 Agricultural and biomedical engineers 1350 Chemical engineers 1360 Civil engineers 1400 Computer hardware engineers 1410 Electrical and electronic engineers 1420 Environmental engineers 1430 Industrial engineers, including health and safety 1440 Marine engineers and naval architects 1450 Materials engineers 1460 Mechanical engineers 1500 Mining and geological engineers, including mining safety engineers 1510 Nuclear engineers 1520 Petroleum engineers 1530 Engineers, all other 1540 Drafters 1550 Engineering technicians, except drafters 1560 Surveying and mapping technicians Life, Physical, and Social Science Occupations 1600 Agricultural and food scientists 1610 Biological scientists 1640 Conservation scientists and foresters 1650 Medical scientists and life scientists, all other 1700 Astronomers and physicists 1710 Atmospheric and space scientists 1720 Chemists and materials scientists 1740 Environmental scientists and geoscientists 1760 Physical scientists, all other 1800 Economists 1820 Psychologists 1840 Urban and regional planners 1860 Miscellaneous social scientists, including survey researchers and sociologists 1900 Agricultural and food science technicians 1910 Biological technicians 1920 Chemical technicians 1930 Geological and petroleum technicians 1965 Miscellaneous life, physical, and social science technicians Community and Social Services Occupations 2000 Counselors 2010 Social workers 2015 Probation officers and correctional treatment specialists 2016 Social and human service assistants 2025 Miscellaneous community and social service specialists, including health educators and community health workers 2040 Clergy 2050 Directors, religious activities and education 2060 Religious workers, all other Legal Occupations 2100 Lawyers, Judges, magistrates, and other judicial workers 2105 Judicial law clerks 2145 Paralegals and legal assistants 2160 Miscellaneous legal support workers Education, Training, and Library Occupations 2200 Postsecondary teachers 2300 Preschool and kindergarten teachers 2310 Elementary and middle school teachers 2320 Secondary school teachers 2330 Special education teachers 2340 Other teachers and instructors 2400 Archivists, curators, and museum technicians 2430 Librarians 2440 Library technicians 2540 Teacher assistants 2550 Other education, training, and library workers Arts, Design, Entertainment, Sports, and Media Occupations 2600 Artists and related workers 2630 Designers 2700 Actors 2710 Producers and directors 2720 Athletes, coaches, umpires, and related workers 2740 Dancers and choreographers 2750 Musicians, singers, and related workers 2760 Entertainers and performers, sports and related workers, all other 2800 Announcers 2810 News analysts, reporters and correspondents 2825 Public relations specialists 2830 Editors 2840 Technical writers 2850 Writers and authors 2860 Miscellaneous media and communication workers 2900 Broadcast and sound engineering technicians and radio operators, and media and communication equipment workers, all other 2910 Photographers 2920 Television, video, and motion picture camera operators and editors Healthcare Practitioners and Technical Occupations 3000 Chiropractors 3010 Dentists 3030 Dietitians and nutritionists 3040 Optometrists 3050 Pharmacists 3060 Physicians and surgeons 3110 Physician assistants 3140 Audiologists 3150 Occupational therapists 3160 Physical therapists 3200 Radiation therapists 3210 Recreational therapists 3220 Respiratory therapists 3230 Speech-language pathologists 3245 Exercise physiologists and therapists, all other 3250 Veterinarians 3255 Registered nurses 3256 Nurse anesthetists 3258 Nurse midwives and nurse practitioners 3260 Health diagnosing and treating practitioners, all other 3300 Clinical laboratory technologists and technicians 3310 Dental hygienists 3320 Diagnostic related technologists and technicians 3400 Emergency medical technicians and paramedics 3420 Health diagnosing and treating practitioner support technicians 3500 Licensed practical and licensed vocational nurses 3510 Medical records and health information technicians 3520 Opticians, dispensing 3535 Miscellaneous health technologists and technicians 3540 Other healthcare practitioners and technical occupations, including podiatrists Healthcare Support Occupations 3600 Nursing, psychiatric, and home health aides 3610 Occupational therapist assistants and aides 3620 Physical therapist assistants and aides 3630 Massage therapists 3640 Dental assistants 3645 Medical assistants 3646 Medical transcriptionists 3647 Pharmacy aides 3648 Veterinary assistants and laboratory animal caretakers 3649 Phlebotomists 3655 Miscellaneous healthcare support occupations, including medical equipment preparers Protective Service Occupations 3700 First-line supervisors/managers of correctional officers 3710 First-line supervisors/managers of police and detectives 3720 First-line supervisors/managers of fire fighting and prevention workers 3730 Supervisors, protective service workers, all other 3740 Fire fighters 3750 Fire inspectors 3800 Bailiffs, correctional officers, and jailers 3820 Detectives and criminal investigators 3840 Miscellaneous law enforcement workers 3850 Police officers 3900 Animal control workers 3910 Private detectives and investigators 3930 Security guards and gaming surveillance officers 3940 Crossing guards 3945 Transportation security screeners 3955 Lifeguards and other recreational and all other protective service workers Food Preparation and Serving Related Occupations 4000 Chefs and head cooks 4010 First-line supervisors/managers of food preparation and serving workers 4020 Cooks 4030 Food preparation workers 4040 Bartenders 4050 Combined food preparation and serving workers, including fast food 4110 Waiters and waitresses 4120 Food servers, nonrestaurant 4130 Food preparation and serving related workers, all other including dining room and cafeteria attendants and bartender helpers 4150 Hosts and hostesses, restaurant, lounge, and coffee shop Building and Grounds Cleaning and Maintenance Occupations 4200 First-line supervisors/managers of housekeeping and janitorial workers 4210 First-line supervisors/managers of landscaping, lawn service, and groundskeeping workers 4220 Janitors and building cleaners 4230 Maids and housekeeping cleaners 4240 Pest control workers 4250 Grounds maintenance workers Personal Care and Service Occupations 4300 First-line supervisors/managers of gaming workers 4320 First-line supervisors/managers of personal service workers 4340 Animal trainers 4350 Nonfarm animal caretakers 4400 Gaming services workers 4410 Motion picture projectionists 4420 Ushers, lobby attendants, and ticket takers 4430 Miscellaneous entertainment attendants and related workers 4460 Embalmers and funeral attendants 4465 Morticians, undertakers, and funeral directors 4500 Barbers 4510 Hairdressers, hairstylists, and cosmetologists 4520 Miscellaneous personal appearance workers 4530 Baggage porters, bellhops, and concierges 4540 Tour and travel guides 4600 Child care workers 4610 Personal and home care aides 4620 Recreation and fitness workers 4640 Residential advisors 4650 Personal care and service workers, all other Sales and Related Occupations 4700 First-line supervisors/managers of retail sales workers 4710 First-line supervisors/managers of non-retail sales workers 4720 Cashiers 4740 Counter and rental clerks 4750 Parts salespersons 4760 Retail salespersons 4800 Advertising sales agents 4810 Insurance sales agents 4820 Securities, commodities, and financial services sales agents 4830 Travel agents 4840 Sales representatives, services, all other 4850 Sales representatives, wholesale and manufacturing 4900 Models, demonstrators, and product promoters 4920 Real estate brokers and sales agents 4930 Sales engineers 4940 Telemarketers 4950 Door-to-door sales workers, news and street vendors, and related workers Office and Administrative Support Occupations 5000 First-line supervisors/managers of office and administrative support workers 5010 Switchboard operators, including answering service 5020 Telephone operators 5030 Communications equipment operators, all other 5100 Bill and account collectors 5110 Billing and posting clerks and machine operators 5120 Bookkeeping, accounting, and auditing clerks 5130 Gaming cage workers 5140 Payroll and timekeeping clerks 5150 Procurement clerks 5160 Tellers 5165 Financial clerks, all other 5200 Brokerage clerks 5220 Court, municipal, and license clerks 5230 Credit authorizers, checkers, and clerks 5240 Customer service representatives 5250 Eligibility interviewers, government programs 5260 File Clerks 5300 Hotel, motel, and resort desk clerks 5310 Interviewers, except eligibility and loan 5320 Library assistants, clerical 5330 Loan interviewers and clerks 5340 New accounts clerks 5350 Correspondence clerks and order clerks 5360 Human resources assistants, except payroll and timekeeping 5400 Receptionists and information clerks 5410 Reservation and transportation ticket agents and travel clerks 5420 Information and record clerks, all other 5500 Cargo and freight agents 5510 Couriers and messengers 5520 Dispatchers 5530 Meter readers, utilities 5540 Postal service clerks 5550 Postal service mail carriers 5560 Postal service mail sorters, processors, and processing machine operators 5600 Production, planning, and expediting clerks 5610 Shipping, receiving, and traffic clerks 5620 Stock clerks and order fillers 5630 Weighers, measurers, checkers, and samplers, recordkeeping 5700 Secretaries and administrative assistants 5800 Computer operators 5810 Data entry keyers 5820 Word processors and typists 5840 Insurance claims and policy processing clerks 5850 Mail clerks and mail machine operators, except postal service 5860 Office clerks, general 5900 Office machine operators, except computer 5910 Proofreaders and copy markers 5920 Statistical assistants 5940 Office and administrative support workers, including desktop publishers Farming, Fishing, and Forestry Occupations 6005 First-line supervisors of farming, fishing, and forestry workers 6010 Agricultural inspectors 6040 Graders and sorters, agricultural products 6050 Miscellaneous agricultural workers, including animal breeders 6100 Fishing and hunting workers 6120 Forest and conservation workers 6130 Logging workers Construction Trades 6200 First-line supervisors/managers of construction trades and extraction workers 6210 Boilermakers 6220 Brickmasons, blockmasons, and stonemasons 6230 Carpenters 6240 Carpet, floor, and tile installers and finishers 6250 Cement masons, concrete finishers, and terrazzo workers 6260 Construction laborers 6300 Paving, surfacing, and tamping equipment operators 6320 Construction equipment operators, except Paving, surfacing, and tamping equipment operators 6330 Drywall installers, ceiling tile installers, and tapers 6355 Electricians 6360 Glaziers 6400 Insulation workers 6420 Painters, construction and maintenance and paperhangers 6440 Pipelayers, plumbers, pipefitters, and steamfitters 6460 Plasterers and stucco masons 6500 Reinforcing iron and rebar workers 6515 Roofers 6520 Sheet metal workers 6530 Structural iron and steel workers 6600 Helpers, construction trades 6660 Construction and building inspectors 6700 Elevator installers and repairers 6710 Fence erectors 6720 Hazardous materials removal workers 6730 Highway maintenance workers 6740 Rail-track laying and maintenance equipment operators 6750 Septic tank servicers and sewer pipe cleaners 6765 Miscellaneous construction and related workers, including photovoltaic installers Extraction Workers 6800 Derrick, rotary drill, and service unit operators, oil, gas, and mining 6820 Earth drillers, except oil and gas 6830 Explosives workers, ordnance handling experts, and blasters 6840 Mining machine operators 6920 Roustabouts, oil and gas 6940 Other extraction workers, including roof bolters and helpers Installation, Maintenance, and Repair Workers 7000 First-line supervisors/managers of mechanics, installers, and repairers 7010 Computer, automated teller, and office machine repairers 7020 Radio and telecommunications equipment installers and repairers 7030 Avionics technicians 7040 Electric motor, power tool, and related repairers 7100 Electrical and electronics repairers, transportation equipment, industrial and utility 7110 Electronic equipment installers and repairers, motor vehicles 7120 Electronic home entertainment equipment installers and repairers 7130 Security and fire alarm systems installers 7140 Aircraft mechanics and service technicians 7150 Automotive body and related repairers 7160 Automotive glass installers and repairers 7200 Automotive service technicians and mechanics 7210 Bus and truck mechanics and diesel engine specialists 7220 Heavy vehicle and mobile equipment service technicians and mechanics 7240 Small engine mechanics 7260 Miscellaneous vehicle and mobile equipment mechanics, installers, and repairers 7300 Control and valve installers and repairers 7315 Heating, air conditioning, and refrigeration mechanics and installers 7320 Home appliance repairers 7330 Industrial and refractory machinery mechanics 7340 Maintenance and repair workers, general 7350 Maintenance workers, machinery 7360 Millwrights 7410 Electrical power-line installers and repairers 7420 Telecommunications line installers and repairers 7430 Precision instrument and equipment repairers 7510 Coin, vending, and amusement machine servicers and repairers 7540 Locksmiths and safe repairers 7550 Manufactured building and mobile home installers 7560 Riggers 7610 Helpers--installation, maintenance, and repair workers 7630 Other installation, maintenance, and repair workers, including wind turbine service technicians, commercial divers, and signal and train switch repairers Production Occupations 7700 First-line supervisors/managers of production and operating workers 7710 Aircraft structure, surfaces, rigging, and systems assemblers 7720 Electrical, electronics, and electromechanical assemblers 7730 Engine and other machine assemblers 7740 Structural metal fabricators and fitters 7750 Miscellaneous assemblers and fabricators 7800 Bakers 7810 Butchers and other meat, poultry, and fish processing workers 7830 Food and tobacco roasting, baking, and drying machine operators and tenders 7840 Food batchmakers 7850 Food cooking machine operators and tenders 7855 Food processing workers, all other 7900 Computer control programmers and operators 7920 Extruding and drawing machine setters, operators, and tenders, metal and plastic 7940 Rolling machine setters, operators, and tenders and forging machine setters, operators, and tenders, metal and plastic 7950 Cutting, punching, and press machine setters, operators, and tenders, metal and plastic 8000 Grinding, lapping, polishing, and buffing machine tool setters, operators, and tenders, metal and plastic 8010 Lathe and turning machine tool setters, operators, and tenders, metal and plastic 8030 Machinists 8040 Metal furnace and kiln operators and tenders 8100 Molders and molding machine setters, operators, and tenders, metal and plastic 8130 Tool and die makers 8140 Welding, soldering, and brazing workers 8200 Plating and coating machine setters, operators, and tenders, metal and plastic 8210 Tool grinders, filers, and sharpeners 8220 Metalworkers and plastic workers, all other 8250 Prepress technicians and workers 8255 Printing press operators 8256 Print binding and finishing workers 8300 Laundry and dry-cleaning workers 8310 Pressers, textile, garment, and related materials 8320 Sewing machine operators 8330 Shoe and leather workers and repairers 8350 Tailors, dressmakers, and sewers 8400 Textile cutting machine setters, operators, and tenders 8410 Textile knitting and weaving machine setters, operators, and tenders 8420 Textile winding, twisting, and drawing out machine setters, operators and tenders 8450 Upholsterers 8460 Miscellaneous textile, apparel, and furnishings workers, except upholsterers 8500 Cabinetmakers and bench carpenters 8510 Furniture finishers 8530 Sawing machine setters, operators, and tenders, wood 8540 Woodworking machine setters, operators, and tenders, except sawing 8550 Miscellaneous woodworkers, including model makers and pattern makers 8600 Power plant operators, distributors, and dispatchers 8610 Stationary engineers and boiler operators 8620 Water and liquid waste treatment plant and system operators 8630 Miscellaneous plant and system operators 8640 Chemical processing machine setters, operators, and tenders 8650 Crushing, grinding, polishing, mixing, and blending workers 8710 Cutting workers 8720 Extruding, forming, pressing, and compacting machine setters, operators, and tenders 8730 Furnace, kiln, oven, drier, and kettle operators and tenders 8740 Inspectors, testers, sorters, samplers, and weighers 8750 Jewelers and precious stone and metal workers 8760 Medical, dental, and ophthalmic laboratory technicians 8800 Packaging and filling machine operators and tenders 8810 Painting workers 8830 Photographic process workers and processing machine operators 8850 Cementing and gluing machine operators and tenders 8860 Cleaning, washing, and metal pickling equipment operators and tenders 8910 Etchers and engravers 8920 Molders, shapers, and casters, except metal and plastic 8930 Paper goods machine setters, operators, and tenders 8940 Tire builders 8950 Helpers--production workers 8965 Production workers, including semiconductor processors and cooling and freezing equipment operators Transportation and Material Moving Occupations 9000 Supervisors, transportation and material moving workers 9030 Aircraft pilots and flight engineers 9040 Air traffic controllers and airfield operations specialists 9110 Ambulance drivers and attendants, except emergency medical technicians 9120 Bus drivers 9130 Driver/sales workers and truck drivers 9140 Taxi drivers and chauffeurs 9150 Motor vehicle operators, all other 9200 Locomotive engineers and operators 9240 Railroad brake, signal, switch operators, conductors and yardmasters 9260 Subway, streetcar, and other rail transportation workers 9300 Sailors and marine oilers, and ship engineers 9310 Ship and boat captains and operators 9350 Parking lot attendants 9360 Service station attendants 9410 Transportation inspectors 9415 Transportation attendants, except flight attendants 9420 Other transportation workers, including bridge and lock tenders 9510 Crane and tower operators 9520 Dredge, excavating, and loading machine operators 9560 Hoist and winch operators, and conveyor operators and tenders 9600 Industrial truck and tractor operators 9610 Cleaners of vehicles and equipment 9620 Laborers and freight, stock, and material movers, hand 9630 Machine feeders and offbearers 9640 Packers and packagers, hand 9650 Pumping station operators 9720 Refuse and recyclable material collectors 9750 Material moving workers, including mine shuttle operators and tank car, truck, and ship loaders Armed Forces 9840 Armed Forces ACS Special Codes 9970 Problem Referral 9990 Not Reported (Includes Refused, Classified, Blank and all other noncodable entries) 0. Inap. (not doing any work for pay: X4105=5/ X4705=5; no spouse/partner) ************************************************************ In the public version of the data set, these codes have been collapsed in the following way: IF (10 <= 4-digit occ. code <=200) THEN occ. code=1; IF (220 <= 4-digit occ. code <=1530) THEN occ. code=1; IF (1600 <= 4-digit occ. code <=1860) THEN occ. code=1; IF (2000 <= 4-digit occ. code <=3650) THEN occ. code=1; ELSE IF (1540 <= 4-digit occ. code <=1560) THEN occ. code=2; ELSE IF (4700 <= 4-digit occ. code <=5930) THEN occ. code=2; ELSE IF (1900 <= 4-digit occ. code <=1960) THEN occ. code=2; ELSE IF (7900 <= 4-digit occ. code <=7900) THEN occ. code=2; ELSE IF (3700 <= 4-digit occ. code <=4320) THEN occ. code=3; ELSE IF (4400 <= 4-digit occ. code <=4400) THEN occ. code=3; ELSE IF (4420 <= 4-digit occ. code <=4650) THEN occ. code=3; ELSE IF (9800 <= 4-digit occ. code <=9840) THEN occ. code=3; ELSE IF (6200 <= 4-digit occ. code <=7850) THEN occ. code=4; ELSE IF (8330 <= 4-digit occ. code <=8330) THEN occ. code=4; ELSE IF (8350 <= 4-digit occ. code <=8350) THEN occ. code=4; ELSE IF (8440 <= 4-digit occ. code <=8630) THEN occ. code=4; ELSE IF (8740 <= 4-digit occ. code <=8760) THEN occ. code=4; ELSE IF (8810 <= 4-digit occ. code <=8810) THEN occ. code=4; ELSE IF (4410 <= 4-digit occ. code <=4410) THEN occ. code=5; ELSE IF (7920 <= 4-digit occ. code <=8320) THEN occ. code=5; ELSE IF (8340 <= 4-digit occ. code <=8340) THEN occ. code=5; ELSE IF (8360 <= 4-digit occ. code <=8430) THEN occ. code=5; ELSE IF (8640 <= 4-digit occ. code <=8730) THEN occ. code=5; ELSE IF (8800 <= 4-digit occ. code <=8800) THEN occ. code=5; ELSE IF (8830 <= 4-digit occ. code <=9750) THEN occ. code=5; ELSE IF (210 <= 4-digit occ. code <=210) THEN occ. code=6; ELSE IF (4340 <= 4-digit occ. code <=4350) THEN occ. code=6; ELSE IF (6000 <= 4-digit occ. code <=6130) THEN occ. code=6; ************************************************************ ----------------------------------------------------------------------------- INFORMATION LINKED FROM 2016 CURRENT POPULATION SURVEY BY OCCUPATION CODE ----------------------------------------------------------------------------- X8112(#1) Recode: Average for occupation group of fraction of last 52 X8113(#2) weeks worked; multiplied by 10 NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8114(#1) Recode: Average for occupation group of hours worked per year X8115(#2) in 2016; multiplied by 10 NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8116(#1) Recode: Fraction of occupation group unemployed in 2016; X8117(#2) multiplied by 1000 NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8169(#1) Recode: Unconditional mean wage for occupation group in 2016 X8170(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* 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) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8099(#1) Recode: For age in [1, 35]: 10000 * Coefficient of AGE X8100(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8101(#1) Recode: For age in [36, 55]: 10000 * Coefficient of X8102(#2) MAX(0,AGE-35) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8103(#1) Recode: For age in [55, 999]: 10000 * Coefficient of X8104(#2) MAX(0,AGE-55) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8318(#1) Recode: 10000 * Coefficient of dummy for part-time employment X8319(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8320(#1) Recode: 10000 * Coefficient of dummy for self-employment X8321(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8322(#1) Recode: 10000 * Coefficient of dummy for Hispanic or nonwhite X8323(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8324(#1) Recode: 10000 * Coefficient of dummy for 12 years of education X8325(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8326(#1) Recode: 10000 * Coefficient of dummy for some college or X8327(#2) Associate's degree NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8328(#1) Recode: 10000 * Coefficient of dummy for Bachelor's degree X8329(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8330(#1) Recode: 10000 * Coefficient of dummy for higher degree than X8331(#2) Bachelor's degree NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8107(#1) Recode: 10000 * Standard error log regression X8108(#2) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* X8109(#1) Recode: Annualized level of expected income from regression X8111(#2) (corrected for non-zero expectation of error term for level) NUMBER: 0. Inap. (no spouse/partner; no job: X7401=0/X7411=0) ********************************************************* NOT INCLUDED IN THE PUBLIC DATA SET ********************************************************* ----------------------------------------------------------------------------- X4110(#1) NOT SELF-EMPLOYED: X4710(#2) How many hours (do you/does he/does she/does he or she) work on (your/his/her/his or her) main job in a normal week? SELF-EMPLOYED: