Financial Analysis on Bangladeshi Banks - Excel

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Financial Analysis on Bangladeshi Banks document sample

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							LWS Variable list                                                    Reference Year      Contents                                                           Value Labels                                             Variable Construction                              Missing                                Imputed, flags   Warnings



                      NOTE: The data for the UK includes the original BHPS sample (representative of the whole population) along with the ECHP sub-sample (over sample of lower income households
                    and individuals) and the new extension samples in Scotland and Wales. In the unweighted sample there are around 2.5 times as many enumerated individuals in Scotland as would
                     be expected from population distribution and around four times as many in Wales. LWS provides two weights: one for the original BHPS sample (WGT) to allow comparability with
                    previous waves and studies (e.g. Banks (2002)) and a second, for the original and additional samples (WGT2). The UK or GB analysis must be weighted by WGT or WGT2 if biases are
                                                                                                         not to arise.
                    NOTE EXTRA VARIABLES: As a supplement to the dataset we have included VHnet and a second weight variable (WGT2-see NOTE above). Additionally, there are
                     two indicator and eleven flag variables that are listed at the end of this worksheet: DIR DVhnet FDA FRA FPR FIR FVhnet FHSD FINH1 FNHD FHSXP FEQUIPXP
                                                                                     FCOMMXP FCULTXP FRIXP FUTXP

 I.        NAME     DEMOGRAPHIC BACKGROUND
           CTRY     UNIQUE COUNTRY AND YEAR ID                                           181, Unique country ID assigned by LWS                             United Kingdom 2000


            HID     HOUSEHOLD IDENTIFICATION NUMBER
                                                                                         Survey provided household weight for the original survey
                                                                                         sample (WGT=0 for the ECHP, Scottish and Wales sub-                                                                         JXHWGHT= Household Weight (Derived Variable)
            WGT     HOUSEHOLD WEIGHT                                                     samples).                                                                                                                   for original BHPS sample
                                                                                         Survey provided household weight that allows analysis of the                                                                JXHWTSW1= Household Weight (Derived
                                                                                         whole UK (or GB), incorporating the ECHP, Scottish and                                                                      Variable) for original BHPS, ECHP and Scotish
           WGT2     ALTERNATIVE HOUSEHOLD WEIGHT                                         Wales over-sample.                                                                                                          and Wales sample
                                                                                                                                                            10= All eligible HH intv
                                                                                                                                                             11= Interviews + proxies
                                                                                                                                                             12= Interviews + refusal
                                                                                                                                                             15= Pxy at original addr
           HOP1     HOUSEHOLD LEVEL OPEN SLOT VARIABLE 1                                 Open slot variable                                                  16= Phone pxy intvw only
           AGEH     AGE OF HEAD                                         1.12.2000        Age of the respondent in years                                                                                              JAGE=Age at 1.12.2000
           AGES     AGE OF SPOUSE/PARTNER                               1.12.2000        Age of the respondents spouse/partner in years                                                                              JAGE=Age at 1.12.2000
           SEXH     SEX OF HEAD                                                          Sex of the household head                                          1= male 2= female                                        JSEX=Check sex of respondent
           SEXS     SEX OF SPOUSE/PARTNER                                                Sex of his/her spouse/partner                                      1= male 2= female                                        JSEX=Check sex of respondent
                                                                                                                                                            0 = Child under 16
                                                                                                                                                             1 = Married
                                                                                                                                                             2 = Living as couple
                                                                                                                                                             3 = Widowed
                                                                                                                                                             4 = Divorced                                            JMASTAT=Marital status
                                                                                                                                                             5 = Separated                                                                                              if MART=-1 then MART=.; 1
          MARTH     MARITAL STATUS HEAD                                                  Marital status of household head                                    6 = Never married                                                                                          observation (not answered)
                                                                                                                                                            0 = Child under 16
                                                                                                                                                             1 = Married
                                                                                                                                                             2 = Living as couple
                                                                                                                                                             3 = Widowed
                                                                                                                                                             4 = Divorced                                            JMASTAT=Marital status
                                                                                                                                                             5 = Separated                                                                                              if MART=-1 then MART=.; 1
          MARTS     MARITAL STATUS SPOUSE/PARTNER                                        Marital status of household heads spouse/partner                    6 = Never married                                                                                          observation (not answered)
                                                                                                                                                            1= single no children                                    if FMLY in (1,2) then SMART=1;
                                                                                                                                                             2= lone parent                                          if FMLY in (6,7) then SMART=2;
                                                                                                                                                             3= couple no children                                   if FMLY = 3 then SMART=3;
                                                                                                                                                             4= couple with children                                 if FMLY in (4,5) then SMART=4;
          SMART     MARITAL STATUS (STANDARDIZED) HEAD                                   Marital status standardized across countries                        5= other;                                               if FMLY in (8,9) then SMART=5;

                                                                                                                                                             1=   White
                                                                                                                                                             2=   Black-Carib
                                                                                                                                                             3=   Black-African
                                                                                                                                                             4=   Black-Other
                                                                                                                                                             5=   Indian                                             RACE(xRACE by base program)= Ethnic group
                                                                                                                                                             6=   Pakistani                                          membership (Cross-wave file);
                                                                                                                                                             7=   Bangladeshi                                        JRACE=Ethnic group membership;
                                                                                                                                                             8=   Chinese                                            RACE=xRACE;
                                                                                                                                                             9=   Other                                              if RACE<0 then RACE=JRACE;
          RACEH     RACE/ETHNICITY OF HEAD                                               Ethnic group                                                       -8=   Inapplicable                                                                                          if RACE in (-7,-9) then RACE=.;
                                                                                                                                                              1 = White
                                                                                                                                                              2 = Black-Carib
                                                                                                                                                              3 = Black-African
                                                                                                                                                              4 = Black-Other
                                                                                                                                                              5 = Indian                                             RACE(xRACE by base program)= Ethnic group
                                                                                                                                                              6 = Pakistani                                          membership (Cross-wave file);
                                                                                                                                                              7 = Bangladeshi                                        JRACE=Ethnic group membership;
                                                                                                                                                              8 = Chinese                                            RACE=xRACE;
                                                                                                                                                              9 = Other                                              if RACE<0 then RACE=JRACE;
          RACES     RACE/ETHNICITY OF SPOUSE/PARTNER                                     Ethnic group                                                       - 8 = Inapplicable                                                                                          if RACE in (-7,-9) then RACE=.;
                                                                                                                                                             1 = 'United Kingdom' 6 = 'Irish Republic' 11 =
                                                                                                                                                            'Australia' 12 = 'Canada ' 13 = 'New Zealand' 14 =
                                                                                                                                                            'Kenya ' 15 = 'Uganda ' 16 = 'Tanzania' 17 = 'Malawi'
                                                                                                                                                            18 = 'Zambia' 19 = 'Zimbabwe' 20 = 'Botswana' 21
                                                                                                                                                            = 'Gambia' 22 = 'Ghana ' 23 = 'Nigeria' 24 = 'Sierra
                                                                                                                                                            Leone' 25 = 'Barbados' 26 = 'Jamaica' 27 =
                                                                                                                                                            'Trinidad and Tobago' 28 = 'W Indies assoc states ' 29
                                                                                                                                                            = 'West Indies' 30 = 'Other Carib Cmmnwlth ' 31 =
                                                                                                                                                            'Belize/Brit Honduras ' 32 = 'Guyana' 33 =
                                                                                                                                                            'Bangladesh' 34 = 'India ' 35 = 'Sri Lanka/Ceylon ' 36   Derived using original variables
                                                                                                                                                            = 'Hong Kong ' 37 = 'Malaysia ' 38 = 'Singapore'         PLBORND=District of birth (Cross-wave file);
                                                                                                                                                            39 = 'Cyprus ' 40 = 'Gibraltar' 41 = 'Malta and Gozo '   PLBORNC=Country of birth (Cross-wave file);
                                                                                                                                                            42 = 'Seychelles' 43 = 'Mauritius' 44 = 'Other New       JPLBORND=District of birth;
                                                                                                                                                            Cmmnwlth' 45 = 'Algeria' 46 = 'Morocco' 47 =             JPLBORNC=Country of birth;
                                                                                                                                                            'Tunisia' 48 = 'Libya ' 49 = 'Egypt' 50 = 'Rep of S      if 1<=PLBORND<=368 then COB=1; *UK;
                                                                                                                                                            Africa' 51 = 'Other Africa, Foreign' 52 = 'USA' 53       if COB=. then COB=PLBORNC;
                                                                                                                                                            = 'Caribbean' 54 = 'Central America' 55 = 'South         if COB<0 then do;
                                                                                                                                                            America' 56 = 'Pakistan ' 57 = 'Burma ' 58 =              if 1<=JPLBORND<=368 then COB=1;
                                                                                                                                                            'China includ Taiwan' 59 = 'Japan' 60 = 'Phillipines'      else COB=JPLBORNC;
                                                                                                                                                            61 = 'Vietnam' 62 = 'Iran' 63 = 'Israel ' 64 = 'Other    end;
           COBH     COUNTRY OF BIRTH OF HEAD                                             Country of birth                                                   Middle Eastern' 65 = 'Other Asia' 66 = 'Belgium' 67
                                                                                                                                                             1 = 'United Kingdom' 6 = 'Irish Republic' 11 =                                                             if COB in (-7,-9) then COB=.
                                                                                                                                                            'Australia' 12 = 'Canada ' 13 = 'New Zealand' 14 =
                                                                                                                                                            'Kenya ' 15 = 'Uganda ' 16 = 'Tanzania' 17 = 'Malawi'
                                                                                                                                                            18 = 'Zambia' 19 = 'Zimbabwe' 20 = 'Botswana' 21
                                                                                                                                                            = 'Gambia' 22 = 'Ghana ' 23 = 'Nigeria' 24 = 'Sierra
                                                                                                                                                            Leone' 25 = 'Barbados' 26 = 'Jamaica' 27 =
                                                                                                                                                            'Trinidad and Tobago' 28 = 'W Indies assoc states ' 29
                                                                                                                                                            = 'West Indies' 30 = 'Other Carib Cmmnwlth ' 31 =
                                                                                                                                                            'Belize/Brit Honduras ' 32 = 'Guyana' 33 =
                                                                                                                                                            'Bangladesh' 34 = 'India ' 35 = 'Sri Lanka/Ceylon ' 36
                                                                                                                                                            = 'Hong Kong ' 37 = 'Malaysia ' 38 = 'Singapore'         Derived using original variables
                                                                                                                                                            39 = 'Cyprus ' 40 = 'Gibraltar' 41 = 'Malta and Gozo '   PLBORND=District of birth (Cross-wave file);
                                                                                                                                                            42 = 'Seychelles' 43 = 'Mauritius' 44 = 'Other New       PLBORNC=Country of birth (Cross-wave file);
                                                                                                                                                            Cmmnwlth' 45 = 'Algeria' 46 = 'Morocco' 47 =             JPLBORND=District of birth;
                                                                                                                                                            'Tunisia' 48 = 'Libya ' 49 = 'Egypt' 50 = 'Rep of S      JPLBORNC=Country of birth;
                                                                                                                                                            Africa' 51 = 'Other Africa, Foreign' 52 = 'USA' 53       if 1<=PLBORND<=368 then COB=1; *UK;
                                                                                                                                                            = 'Caribbean' 54 = 'Central America' 55 = 'South         if COB=. then COB=PLBORNC;
                                                                                                                                                            America' 56 = 'Pakistan ' 57 = 'Burma ' 58 =             if COB<0 then do;
                                                                                                                                                            'China inc. Taiwan' 59 = 'Japan' 60 = 'Phillipines'       if 1<=JPLBORND<=368 then COB=1;
                                                                                                                                                            61 = 'Vietnam' 62 = 'Iran' 63 = 'Israel ' 64 = 'Other      else COB=JPLBORNC;
                                                                                                                                                            Middle Eastern' 65 = 'Other Asia' 66 = 'Belgium' 67      end;
           COBS     COUNTRY OF BIRTH OF SPOUSE/PARTNER                                   Country of birth                                                   = 'Denmark' 68 = 'France' 69 = 'Italy ' 70 =                                                                if COB in (-7,-9) then COB=.


                                                                                                                                                                                                                     Derived using original variables
                                                                                                                                                                                                                     CITZN1=Citizenship 1st mention (Cross-wave file);
                                                                                                                                                                                                                     CITZN2=Citizenship 2nd mention(Cross-wave file);
                                                                                                                                                                                                                     JCITZN1=Citizenship 1st mention;
                                                                                                                                                                                                                     JCITZN2=Citizenship 2nd mention;
                                                                                                                                                                                                                     IMM=CITZN1;
           IMMH     IMMIGRATION STATUS OF HEAD                                           Immigration status of the head of the household.                                                                            if IMM<0 then IMM=JCITZN1;                        if IMM in (-7,-9) then IMM=.


                                                                                                                                                                                                                     Derived using original variables
                                                                                                                                                                                                                     CITZN1=Citizenship 1st mention (Cross-wave file);
                                                                                                                                                                                                                     CITZN2=Citizenship 2nd mention(Cross-wave file);
                                                                                                                                                                                                                     JCITZN1=Citizenship 1st mention;
                                                                                                                                                                                                                     JCITZN2=Citizenship 2nd mention;
                                                                                                                                                                                                                     IMM=CITZN1;
           IMMS     IMMIGRATION STATUS OF SPOUSE/PARTNER                                 Immigration status of the spouse/partner of the head.                                                                       if IMM<0 then IMM=JCITZN1;                        if IMM in (-7,-9) then IMM=.

                                                                                                                                                                                                                     Derived using original variables YR2UK4=Year
                                                                                                                                                                                                                     came to Britain; JYR2UK4=Year came to Britain
                                                                                                                                                                                                                     (Cross-wave file);
                    YEARS OF RESIDENCE IN THIS COUNTRY                                                                                                     -8 = 'Not applicable '                                    YSM=YR2UK4;                                        if YSM=-9 then YSM=.;*Missing or
           YSMH     HEAD                                                                 Years since arrival in Britain                                      -6 = Don't know                                         if YSM=-1 then YSM=-6;                             wild
                                                                                                                                                            11 = 'Higher Degree '                                    Derived using original variables JQFEDHI=highest
                                                                                                                                                            12 = 'First Degree '                                     educational qualification; JQFACHI=highest
                                                                                                                                                            13 = 'Teaching QF '                                      educational qualification;
                                                                                                                                                            14 = 'Other Higher QF'                                   EDUC=JQFEDHI+10;
                                                                                                                                                            15 = 'Nursing QF       '                                 if EDUC<11 then EDUC=JQFACHI;
                                                                                                                                                            16 = 'GCE A Levels '                                     if EDUC=1 then EDUC=11;
                                                                                                                                                            17 = 'GCE O Levels or Equiv '                            if EDUC=2 then EDUC=12;
                                                                                                                                                            18 = 'Commercial QF, No O Levels                         if EDUC=3 then EDUC=14;
                                                                                                                                                            19 = 'CSE Grade 2-5,Scot Grade 4-5                       if EDUC=4 then EDUC=16;
                                                                                                                                                            20 = 'Apprenticeship '                                   if EDUC=5 then EDUC=17;
                                                                                                                                                            21 = 'Other QF'                                          if EDUC=6 then EDUC=19;                            if EDUC=-9 then EDUC=.;*Missing or
          EDUCH     EDUCATIONAL LEVEL OF HEAD                                            Level of education of the head (highest qualification)             22 = 'No QF '                                            if EDUC=7 then EDUC=11;                            wild;
                                                                                                                                                            11 = 'Higher Degree '                                    Derived using original variables JQFEDHI=highest
                                                                                                                                                            12 = 'First Degree '                                     educational qualification; JQFACHI=highest
                                                                                                                                                            13 = 'Teaching QF '                                      educational qualification;
                                                                                                                                                            14 = 'Other Higher QF'                                   EDUC=JQFEDHI+10;
                                                                                                                                                            15 = 'Nursing QF       '                                 if EDUC<11 then EDUC=JQFACHI;
                                                                                                                                                            16 = 'GCE A Levels '                                     if EDUC=1 then EDUC=11;
                                                                                                                                                            17 = 'GCE O Levels or Equiv '                            if EDUC=2 then EDUC=12;
                                                                                                                                                            18 = 'Commercial QF, No O Levels                         if EDUC=3 then EDUC=14;
                                                                                                                                                            19 = 'CSE Grade 2-5,Scot Grade 4-5                       if EDUC=4 then EDUC=16;
                                                                                                                                                            20 = 'Apprenticeship '                                   if EDUC=5 then EDUC=17;
                                                                                                                                                            21 = 'Other QF'                                          if EDUC=6 then EDUC=19;
                                                                                                                                                            22 = 'No QF '                                            if EDUC=7 then EDUC=11;                            if EDUC=-9 then EDUC=.;*Missing or
          EDUCS     EDUCATIONAL LEVEL OF SPOUSE/PARTNER                                                                                                     23
                                                                                         Level of education of the heads spouse/partner (highest qualification) = 'Still At School No QF'                                                                               wild;
                                                                                                                                                                                                                                                                        if DIS in (-1,-9) then DIS=.;*19 + 4
            DISH    DISABILITY STATUS HEAD                                               Indicator variable, disabled or not                                0 ='no' 1= 'yes'                                         JHLDSBL=registered disabled                        observations;
                                                                                                                                                                                                                                                                        if DIS in (-1,-9) then DIS=.;*19 + 4
            DISS    DISABILITY STATUS SPOUSE/PARTNER                                     Indicator variable, disabled or not                                0 ='no' 1= 'yes'                                         JHLDSBL=registered disabled                        observations;
                                                                                                                                                            1 = 'Excellent '
                                                                                                                                                             2 = 'Good '
                                                                                                                                                             3 = 'Fair '
                                                                                                                                                             4 = 'Poor '                                             JHLSTAT=Health status over last 12 months          if HLTH=-1 then HLTH=.;*not
           HLTHH    HEALTH STATUS OF HEAD                             last 12 months     Health over the last 12 months                                      5 = 'Very Poor                                                                                             answered;

                                                                                                                                                            1 = 'Excellent '
                                                                                                                                                             2 = 'Good '
                                                                                                                                                             3 = 'Fair '
                                                                                                                                                             4 = 'Poor '                                             JHLSTAT=Health status over last 12 months          if HLTH=-1 then HLTH=.;*not
           HLTHS    HEALTH STATUS OF SPOUSE/PARTNER                   last 12 months     Health over the last 12 months                                      5 = 'Very Poor                                                                                             answered;
           AGMH     AGE OF MOTHER HEAD                                                   NA
           AGFH     AGE OF FATHER HEAD                                                   NA
           AGMS     AGE OF MOTHER SPOUSE/PARTNER                                         NA
           AGFS     AGE OF FATHER SPOUSE/PARTNER                                         NA
II.        NAME     LABOR MARKET VARIABLES

           LFSH     LABOR FORCE STATUS HEAD                                              NA

           LFSS     LABOR FORCE STATUS SPOUSE/PARTNER                                    NA                                                                 -6 ='Dont know'
                                                                                                                                                            1 = 'Self employed '
                                                                                                                                                            2 = 'In paid employ '
                                                                                                                                                            3 = 'Unemployed       '
                                                                                                                                                            4 = 'Retired'
                                                                                                                                                            5 = 'Maternity leave'                                    JJBSTAT=current economic activity;                 if LFS =-9 then LFS=.;*Missing or
            MAH     MAIN ACTIVITY HEAD                                                   Main activity status of the head                                   6 = 'Family care '
                                                                                                                                                            -6 ='Dont know'                                          if LFS =-1 then LFS=-6;                            wild
                                                                                                                                                            1 = 'Self employed '
                                                                                                                                                            2 = 'In paid employ '
                                                                                                                                                            3 = 'Unemployed       '
                                                                                                                                                            4 = 'Retired'
                                                                                                                                                            5 = 'Maternity leave'                                    JJBSTAT=current economic activity;                 if LFS =-9 then LFS=.;*Missing or
            MAS     MAIN ACTIVITY SPOUSE/PARTNER                                         Main activity status of the spouse/partner                         6 = 'Family care '                                       if LFS =-1 then LFS=-6;                            wild
                                                                                                                                                                                                                     Derived using original variables
                                                                                                                                                                                                                     JJBISCO=International SOC:present job;
                                                                                                                                                                                                                     if JJBISCO=122- then JJBISCO=1220;
                                                                                                                                                                                                                     if JJBISCO=131- then JJBISCO=1310;
                                                                                                                                                                                                                     if JJBISCO=2--- then JJBISCO=2000;
                                                                                                                                                                                                                     if JJBISCO=311- then JJBISCO=3110;
                                                                                                                                                                                                                     if JJBISCO=713- then JJBISCO=7130;
                                                                                                                                                                                                                     if JJBISCO=822- then JJBISCO=8220;
                                                                                         Occupational classification of the main job of the head of         OCC label International Standard Classification of       if JJBISCO=827- then JJBISCO=8270;
           OCCH     OCCUPATION OF HEAD                                                   household                                                          Occupations ISCO-88 (labisco.sas)                        OCC=input(JJBISCO,4.);                             if OCC=-9 then OCC=.;
                                                                                                                                                                                                                     Derived using original variables JJBISCO=
                                                                                                                                                                                                                     International SOC: present job;
                                                                                                                                                                                                                     if JJBISCO=122- then JJBISCO=1220;
                                                                                                                                                                                                                     if JJBISCO=131- then JJBISCO=1310;
                                                                                                                                                                                                                     if JJBISCO=2--- then JJBISCO=2000;
                                                                                                                                                                                                                     if JJBISCO=311- then JJBISCO=3110;
                                                                                                                                                                                                                     if JJBISCO=713- then JJBISCO=7130;
                                                                                                                                                                                                                     if JJBISCO=822- then JJBISCO=8220;
                                                                                         Occupational classification of the main job of the                 OCC label International Standard Classification of       if JJBISCO=827- then JJBISCO=8270;
           OCCS     OCCUPATION OF SPOUSE/PARTNER                                         spouse/partner of the head                                         Occupations ISCO-88 (labisco.sas)                        OCC=input(JJBISCO,4.);                             if OCC=-9 then OCC=.;

                                                                                                                                                                                                                     Derived using original variables JJBSIC=Industry
            INDH    INDUSTRY OF HEAD                                                     Industry classification of the main job of the head of household                                                            (SIC) of employer:current job                      if JJBSIC=-9 then IND=.


                                                                                         Industry classification of the main job of the spouse/partner of                                                            Derived using original variables JJBSIC=Industry
            INDS    INDUSTRY OF SPOUSE/PARTNER                                           the head                                                                                                                    (SIC) of employer:current job                      if JJBSIC=-9 then IND=.
                                                                                                                                                                              1 = 'Employers,large'
                                                                                                                                                                              2 = 'Managers,large '
                                                                                                                                                                              3 = 'Employers,small'
                                                                                                                                                                              4 = 'Managers,small '
                                                                                                                                                                              5 = 'Professional Self-employed'
                                                                                                                                                                              6 = 'Professional employees '
                                                                                                                                                                              7 = 'Int. non-manual,workers'
                                                                                                                                                                              8 = 'Int. non-man,foreman '
                                                                                                                                                                              9 = 'Junior non-manual     '
                                                                                                                                                                              10 =' Personal service wrkrs '
                                                                                                                                                                              11 ='Foreman manual '
                                                                                                                                                                              12 =' Skilled manual wkrs '
                                                                                                                                                                              13 = 'Semi-skilled manual wkrs'
                                                                                                                                                                              14 = 'Unskilled manual wkrs '
                                                                                                                                                                              15 = 'Own account wkrs        '
                                                                                                                                                                              16 = 'Farmers - employers,managers '
                                                                                                                                                                              17 = 'Farmers - own account '
                                                                                                                                                                              18 = 'Agricultural workers '
                                                                                                                                                                              19 = 'Members of armed forces'
                     ACTH     ACTIVITY STATUS HEAD                                                        Type of activity of the main job of the head of household.         -8='Not Applicable '                                           JJBSEG= socio.economic group: present job          if ACT=-9 then ACT=.;
                                                                                                                                                                              1 = 'Employers,large'
                                                                                                                                                                              2 = 'Managers,large '
                                                                                                                                                                              3 = 'Employers,small'
                                                                                                                                                                              4 = 'Managers,small '
                                                                                                                                                                              5 = 'Professional Self-employed'
                                                                                                                                                                              6 = 'Professional employees '
                                                                                                                                                                              7 = 'Int. non-manual,workers'
                                                                                                                                                                              8 = 'Int. non-man,foreman '
                                                                                                                                                                              9 = 'Junior non-manual     '
                                                                                                                                                                              10 =' Personal service wrkrs '
                                                                                                                                                                              11 ='Foreman manual '
                                                                                                                                                                              12 =' Skilled manual wkrs '
                                                                                                                                                                              13 = 'Semi-skilled manual wkrs'
                                                                                                                                                                              14 = 'Unskilled manual wkrs '
                                                                                                                                                                              15 = 'Own account wkrs        '
                                                                                                                                                                              16 = 'Farmers - employers,managers '
                                                                                                                                                                              17 = 'Farmers - own account '
                                                                                                                                                                              18 = 'Agricultural workers '
                                                                                                                                                                              19 = 'Members of armed forces'
                     ACTS     ACTIVITY STATUS SPOUSE/PARTNER                                              Type of activity of the main job of the spouse/partner             -8='Not Applicable '                                           JJBSEG= socio.economic group: present job          if ACT=-9 then ACT=.;



                                                                                                                                                                                                                                            Derived using original variables JJBHRS= No. of
                                                                                                                                                                                                                                            hours normally worked per week excluding
                                                                                                                                                                                                                                            overtime and meal breaks; JJSHRS= S/emp: No.
                                                                                                                                                                                                                                            of hours normally worked per week;
                                                                                                          Regular average hours worked per week by the head of               -8 = 'N/A'                                                     HRS=JJBHRS;                                         -8 N/A 6168 obs
                                                                                                          household at all jobs currently held, excl. Meal breaks and         -7 = 'Proxy'                                                  if HRS < 0 then HRS=JJSHRS;* self-employed;         -7 Proxy 206 obs
                     HRSH     HOURS WORKED HEAD                                                           overtime.                                                           -6 =Don't know                                                if HRS =-1 then HRS = -6;                          -6 Dont know 29 obs



                                                                                                                                                                                                                                            Derived using original variables JJBHRS= No. of
                                                                                                                                                                                                                                            hours normally worked per week excluding
                                                                                                                                                                                                                                            overtime and meal breaks; JJSHRS= S/emp: No.
                                                                                                                                                                                                                                            of hours normally worked per week;
                                                                                                          Regular average hours worked per week by the head of               -8 = 'N/A'                                                     HRS=JJBHRS;                                         -8 N/A 6168 obs
                                                                                                          household at all jobs currently held, excl. Meal breaks and         -7 = 'Proxy'                                                  if HRS < 0 then HRS=JJSHRS;* self-employed;         -7 Proxy 206 obs
                     HRSS     HOURS WORKED SPOUSE/PARTNER                                                 overtime.                                                           -6 =Don't know                                                if HRS =-1 then HRS = -6;                          -6 Dont know 29 obs



                    HRS2H     HOURS WORKED AT MAIN JOB HEAD                                               NA


                              HOURS WORKED AT MAIN JOB
                    HRS2S     SPOUSE/PARTNER                                                              NA
                                                                                                                                                                                                                                            JNJBWKS=Annual weeks employed (1.9.99-
                     WKH      WEEKS WORKED HEAD                                                           Annual weeks employed                                              -7 = 'Proxy';                                                  31.8.2000)                                         if WK=-9 then WK=.; *37 obs;
                                                                                                                                                                                                                                            JNJBWKS=Annual weeks employed (1.9.99-
                     WKS      WEEKS WORKED SPOUSE/PARTNER                                                 Annual weeks employed                                              -7 = 'Proxy';                                                  31.8.2000)                                         if WK=-9 then WK=.; *37 obs;
III.                 NAME     HOUSEHOLD CHARACTERISTCS
                     HHLD     HOUSEHOLD STRUCTURE                                                         NA
                                                                                                                                                                             1 = 'Single Non-Elderly '
                                                                                                                                                                              2 = 'Single Elderly '
                                                                                                                                                                              3 = 'Couple No Children     '
                                                                                                                                                                              4 = 'Couple: dep children '
                                                                                                                                                                              5 = 'Couple: non-dep children'
                                                                                                                                                                              6 = 'Lone par: dep children '
                                                                                                                                                                              7 = 'Lone par: non-dep children '
                                                                                                                                                                              8 = '2+ Unrelated adults'
                     FMLY     FAMILY COMPOSITION                                                          Household type                                                      9 = 'Other Households'                                        JHHTYPE = Household Type                           if FMLY=-9 then FMLY=.

                    NOPRS     NUMBER OF PERSONS IN HOUSEHOLD                                              Number of persons in household at the end of the year                                                                             JHHSIZE = Number of Persons in Household

                                                                                                                                                                                                                                            Derived using original variables JNCH02 = Number
                                                                                                                                                                                                                                            children in household aged 0-2 ; JNCH34 =
                                                                                                                                                                                                                                            Number children in household aged 3-4 ;
                    NOCH5     NUMBER OF CHILDREN UNDER 5                                                  Number of persons aged under 5                                                                                                    NOCH5=JNCH02+JNCH34

                                                                                                                                                                                                                                            JNKIDS = Number of children in household under
                    NOCH15    NUMBER OF CHILDREN UNDER 15 (<=14)                                          Number of persons aged under 15                                                                                                   16 (includes children whose age is missing)
                                                                                                                                                                                                                                            Derived using original variables JNKIDS =
                                                                                                                                                                                                                                            Number of children in household under 16
                                                                                                                                                                                                                                            (includes children whose age is missing) ;
                                                                                                                                                                                                                                            JNCH1618 = Number dependent children in HH
                                                                                                                                                                                                                                            16+ ;
                    NOCH18    NUMBER OF CHILDREN UNDER 18                                                 Number of persons aged under 18                                                                                                   NOCH18=JNKIDS+JNCH1618;
                                                                                                                                                                                                                                            prs65 = 0;
                  NOPRS65     NUMBER OF PERSONS OVER 65                                                   Number of persons aged over 65.                                                                                                   if (age ge 65) then prs65 = 1

                    NOERN     NUMBER OF EARNERS                                                           Number of economically active persons in household                                                                                JNEMP = Number in Employment in household
                                                                                                                                                                             1 = Inner London
                                                                                                                                                                               2 = Outer London
                                                                                                                                                                               3 = R. of South East
                                                                                                                                                                               4 = South West
                                                                                                                                                                               5 = East Anglia
                                                                                                                                                                               6 = East Midlands
                                                                                                                                                                               7 = West Midlands Conurbation
                                                                                                                                                                               8 = R. of West Midlands
                                                                                                                                                                               9 = Greater Manchester
                                                                                                                                                                               10 = Merseyside
                                                                                                                                                                               11 = R. of North West
                                                                                                                                                                               12 = South Yorkshire
                                                                                                                                                                               13 = West Yorkshire
                                                                                                                                                                               14 = R. of Yorks & Humberside
                                                                                                                                                                               15 = Tyne & Wear
                                                                                                                                                                               16 = R. of North
                                                                                                                                                                               17 = Wales
                                                                                                                                                                               18 = Scotland
                     REGA     GEOGRAPHIC REGION A                                                         Region or Metropolitan area                                          19 = Northern Ireland                                        JREGION = Region / Metropolitan Area               if REGA=-9 then REGA=.;
                                                                                                                                                                             1 = 'City Westminster' 2 = 'Camden' 3 = 'Hackney'
                                                                                                                                                                             4 = 'Hammersmith & Fulham' 5 = 'Haringey'             6=
                                                                                                                                                                             'Islington' 7 = 'Kensington & Chelsea' 8 = 'Lambeth' 9
                                                                                                                                                                             = 'Lewisham'        10 = 'Newham ' 11 = 'Southwark'
                                                                                                                                                                             12 = 'Tower Hamlets' 13 = 'Wandsworth ' 14 =
                                                                                                                                                                             'Barking and Dagenham'        15 = 'Barnet ' 16 = 'Bexley '
                                                                                                                                                                             17 = 'Brent ' 18 = 'Bromley' 19= 'Croydon' 20 =
                                                                                                                                                                             'Ealing ' 21 = 'Enfield' 22= 'Greenwich'           23 =
                                                                                                                                                                             'Harrow ' 24 = 'Havering '     25 = 'Hillingdon' 26 =
                                                                                                                                                                             'Hounslow'       27 = 'Kingston upon Thames' 28 =
                                                                                                                                                                             'Merton '       29 = 'Redbridge' 30 = 'Richmond upon
                                                                                                                                                                             Thames' 31 = 'Sutton '32 = 'Waltham Forest ' 33 =
                                                                                                                                                                             'Bolton ' 34 = 'Bury'      35 = 'Manchester' 36 =
                                                                                                                                                                             'Oldham ' 37 = 'Rochdale' 38 = 'Salford' 39 =
                                                                                                                                                                             'Stockport' 40 = 'Tameside '      41 = 'Trafford ' 42 =
                                                                                                                                                                             'Wigan' 43 = 'Knowsley ' 44 = 'Liverpool '           45 =
                                                                                                                                                                             'St Helens ' 46 = 'Sefton ' 47 = 'Wirral '48 = 'Barnsley '
                                                                                                                                                                             49 = 'Doncaster' 50 = 'Rotherham '         51 = 'Sheffield '
                                                                                                                                                                             52 = 'Gateshead ' 53= 'Newcastle upon Tyne' 54 =
                                                                                                                                                                             'North Tyneside ' 55 = 'South Tyneside '56 = 'Sunderland
                                                                                                                                                                             '     57= 'Birmingham' 58 = 'Coventry'          59 =
                                                                                                                                                                             'Dudley '60 = 'Sandwell'       61 = 'Solihull' 62 =
                     REGB     GEOGRAPHIC REGION B                                                         Local Authority District of Residence                              'Walsall' 63 = 'Wolverhampton' 64 = 'Bradford'           65    JLADISTC = Local Authority District of Residence if REGB=-9 then REGB=.;
                      URB     URBAN/RURAL INDICATOR                                                       NA
IV.                  NAME     WEALTH VARIABLES
                                                                                                                                                                                                                                            Derived from person-level variables PINH =
                INH1-INH3     INHERITANCE BEQUEST RECEIVED ($)                                            inheritance/gift received                                          0="no inheritance received"                                    JWINDFFY=Amount of: Inheritance/bequest                                                  FINH1
              YRINH1-YRINH3   YEAR INHERITANCE BEQUEST RECEIVED                           2000            year inheritance received                                                                                                         Derived from person-level variables
                              REMAINING INHERITANCE BEQUEST
                     INH4     RECEIVED ($)                                                                NA
                                                                                                                                                                             1 = "Owned Outright "
                                                                                                                                                                              2 = "Owned with Mortgage "
                                                                                                                                                                              3 = Rent: Local Authority rented
                                                                                                                                                                              4 = Rent: Housing Assoc. rented
                                                                                                                                                                              5 = Rent: from Employer
                                                                                                                                                                              6 = Rent: private unfurnished
                                                                                                                                                                              7 = Rent: private furnished
                                                                                                                                                                              8 = Other rented
                                                                                                                                                                              13 = Rent Free: Local Authority rented
                                                                                                                                                                              14 = "Rent Free: Housing Assoc. rented                        Derived using original variables OWN=JTENURE
                                                                                                                                                                              15 = Rent Free: from Employer                                 = Housing tenure ; JHSOWND = House owned
                                                                                                                                                                              16 = Rent Free: private unfurnished                           or rented ;
                     OWN      TENURE (OWNED/RENTED HOUSING)                                               Indicator whether housing is owned or rented                        17 = Rent Free: private furnished                             if JHSOWND=4 then OWN=OWN+10; *rent free;          if OWN=-9 then OWN=.; *225 obs;
                                                                                                                                                                             1 =   "Det'd house/bungalow "
                                                                                                                                                                               2   = "Semi-det'd house/bun "
                                                                                                                                                                               3   = "End terraced house       "
                                                                                                                                                                               4   = "Terraced house "
                                                                                                                                                                               5   = "Purpose blt flat <10 "
                                                                                                                                                                               6   = "Purpose blt flat >10 "
                                                                                                                                                                               7   = "Converted flat <10    "
                                                                                                                                                                               8   = "Converted flat >10    "
                                                                                                                                                                               9   = "Incl business prem      "
                                                                                                                                                                              10    = "Bedsitter under 10     "
                                                                                                                                                                              11    = "Bedsitter 10+ dwellg "
                                                                                                                                                                              12    = "Bedsitter single occ "
                                                                                                                                                                              13    = "Sheltered accommdn        "
                                                                                                                                                                              14    = "Institutional "
                     DWELL    TYPE OF DWELLING                                                            Type housing                                                        15    = "Other"                                               JHSTYPE= Type of accommodation                     if DWELL in (-1,-7,-9) then DWELL=.
                      BUS     OWN BUSINESS INDICATOR                                                      NA

                                                                                                                                                                                                                                            Created from p-level variables: PDA=JSVACK
                                                                                    at the moment of                                                                                                                                        =Total value in savings accounts, TESSA or ISA*;
                      DA      DEPOSIT ACCOUNTS                                           interview        Deposit accounts                                                                                                                                                                                                           FDA
                      TB      TOTAL BONDS                                                                 NA
                      ST      STOCKS                                                                      NA
                              MUTUAL FUNDS AND OTHER INVESTMENT
                      TM      FUNDS                                                                       NA
                       LI     LIFE INSURANCE                                                              NA
                      OFA     OTHER FINANCIAL ASSETS                                                      NA
                              PENSION ASSETS: PRIVATE PENSION
                      PA1     ACCOUNTS/ SAVING PLANS                                                      NA
                              PENSION ASSETS: ANNUITIES AND OTHER
                      PA2     DEFERRED PROFIT PLANS                                                       NA
                              PENSION ASSETS: VALUE OF PENSION
                      PA3     THROUGH EMPLOYER PENSION PLANS                                              NA
                                                                                                                                                                                                                                            JHSVAL = how much would you expect to get for
                                                                                    at the moment of                                                                                                                                        your home if you sold it today? ;
                      PR      PRINCIPAL RESIDENCE                                        interview        Value of main residence                                                                                                           if PR=-8 then PR=0;                                if PR in (-7,-9) then PR=.;           FPR
                                                                                    at the moment of      Value of investment property and shares (other houses,                                                                            JHS2VALO= Approximately how much do you
                      IR      INVESTMENT REAL ESTATE                                     interview        premises)                                                                                                                         think that property is currently                                                         FIR
                      BA      BUSINESS ASSETS                                                             NA
                      BD      BUSINESS DEBT                                                               NA
                      BE      BUSINESS EQUITY                                                             NA
                      VH      VEHICLES                                                                    see VHNET
                                                                                                                                                                                                                                            JCARVAL=Value of vehicle(s) less amount
                                                                                                                                                                                                                                            outstanding debt;
                                                                                                                                                                                                                                            VHnet=JCARVAL;                                     if VHnet in (-1,-2,-7,-9) then
                     VHNET    NET VALUE OF VEHICLES                                                       Vehicle net value VH-VL                                                                                                           if VHnet =-8 then VHnet=0;                         VHnet=.;*Missing/Proxy or wild,etc.   FVHnet
                     DRCL     DURABLES AND/OR COLLECTIBLES                                                NA
                      ONF     OTHER NON-FINANCIAL ASSETS                                                  NA

                                                                                                                                                                                                                                            Derived using original values JMGTOT=Total
                                                                                                                                                                                                                                            mortgage on all property; JMGHAVE=Home
                                                                                                                                                                                                                                            mortgaged or owned outright;
                                                                                                           This variable includes all home secured debt including:                                                                          HSD=JMGTOT;
                                                                                                           Principal residence mortgage, improvement, line of credit, and                                                                   if JMGHAVE=1 then HSD=0;
                      HSD     HOME SECURED DEBT (MG,OMG,OHSD)                   at the moment of interview investment property loans and share.                                                                                             if HSD in (-3,-8) then HSD=0;                      if HSD in (-1,-2,-7,-9) then HSD=.;   FHSD
                      MG      PRINCIPAL RESIDENCE MORTGAGE                                                 NA
                     OMG      OTHER PROPERTY MORTGAGE                                                      NA
                     OHSD     OTHER HOME SECURED DEBT                                                      NA
                      VL      VEHICLE LOANS                                                                NA
                              TOTAL INSTALLMENT DEBT (INC.CREDIT
                      IL      CARDS)                                                                      NA
                      EL      EDUCATIONAL LOANS                                                           NA
                              OTHER LOANS FROM FINANCIAL
                      OL      INSTITUTIONS                                                                NA
                      ID      INFORMAL DEBT                                                               NA
                                                                                                                                                                                                                                            Created from p-level variables PRA =
                      RA      RISKY ASSETS: TB+ST+TM                                                      Sum of all risk bearing assets                                                                                                    JNVESTK=Amount held in investments                                                       FRA

                                                                                                                                                                                                                                            Created from p-level variables PNHD = JDEBTY                                             FNHD
                      NHD     NON-HOUSING DEBT: TD-HSD                                                    Home secured debt subtracted from total debt.                                                                                     How much money in total do you owe

                                                                                                          This variable derived by summing deposit accounts, bonds,
             TFA1             TOTAL FINANCIAL ASSETS D1: DA+TB+ST+TM                                      stocks and mutual funds                                                                                                           TFA1=DA+RA
                                                                                                          This variable is derived from the sum of value of principal
comparable




             TNF1             TOTAL NON-FINANCIAL ASSETS D1: PR+IR                                        residence and investment property                                                                                                 TNF1=PR+IR
                              TOTAL NON-FINANCIAL ASSETS D2:
             TNF2             PR+IR+BE                                                                    NA
                                                                                                          This is the sum of total financial (TFA1) and non-financial
             NW1              NET WORTH D1: NW1=TFA1+NF1-TD                                               (TNF1) assets minus total debt                                                                                                    NW1=(TFA1+TNF1)-TD
             NW2              NET WORTH D2: NW2=TFA1+TNF2-TD                                              NA

                              TOTAL FINANCIAL ASSETS (country-specific):
             TFA_cs           all available                                                               The sum of all available financial assets                                                                                         TFA_cs=sum(DA,RA)
                              TOTAL NON-FINANCIAL ASSETS (country-
             TNF_cs           specific): all available                                                    The sum of all available non-financial assets                                                                                     TNF_cs=sum(PR,IR,VHnet)
                                                                                                          This is the sum of all available debts including home secured,
             TD               TOTAL DEBT: all available                                                   and non-home secured                                                                                                              TD=sum(HSD,NHD)


             TA_cs            TOTAL ASSETS (country-specific) : all available                             This is the sum of available financial and non-financial assests                                                                  TA_cs=TFA_cs+TNF_cs
                              NET WORTH (country-specific):                                               This is the sum of available financial and non-financial assests
             NW_cs            NW_cs=TFA_cs+TNF_cs-TD                                                      minus total debt                                                                                                                  NW_cs=(TFA_cs+TNF_cs)-TD

                     OWL      MISCELLANEOUS NET WORTH COMPONENT                                           NA
 V          NAME           EXPENDITURE VARIABLES
             TXP           TOTAL EXPENDITURES                                           NA
                                                                                                                                                                                                                          JXPFOOD= Total weekly food and grocery bill;
                                                                                                                                                                                                                          JH60 : how much your household spends each
                           FOOD AND NON-ALCOHOLIC                                                                                                                                                                         week on food and groceries?;
           FDXP            BEVERAGES                                                    Expenditures on food and beverages                                                                                                FDXP=52*JXPFOOD
          ALCOXP           ALCOHOL AND TOBACCO                                          NA
           APXP            CLOTHING AND FOOTWEAR                                        NA

                                                                                        Includes net monthly mortgage or rent costs. For renters who
                                                                                        receive housing benefit, either partial or complete (HOUSING
                                                                                        BENEFIT is in the INCOME VARIABLES NRCBEN for those
                                                                                        that want GROSS housing costs), includes the rent after the
                                                                                        rebate. Amount spent on gas, electricity, oil, coal/other
            HSXP           HOUSING AND UTILITIES                                        domestic fuel since Sept 1999                                                                                                     HSXP=RIXP+UTXP                                                                             FHSXP

                                                                                                                                                                                                                          D3=JCD3CST;     Cost of deep freeze bought in past
                                                                                                                                                                                                                          year
                                                                                                                                                                                                                          D4=JCD4CST;      Cost of washer bought in past
                                                                                                                                                                                                                          year
                                                                                                                                                                                                                          D5=JCD5CST;      Cost of tumble drier bought in
                                                                                                                                                                                                                          past year
                                                                                                                                                                                                                          D6=JCD6CST;     Cost of dish washer bought in past
                                                                                                                                                                                                                          year
                                                                                        Sum of household equipment/appliances purchases in past
                                                                                                                                                                                                                          D7=JCD7CST;     Cost of microwave bought in past
                                                                                        year; deep freeze, washer, tumble drier, dish washer,
                                                                                                                                                                                                                          year
          EQUIPXP          HOUSING EQUIPMENT                                            microwave,                                                                                                                                                                                                                   FEQXP


                                                                                                                                                                                                                          JHLCVRL=Cost to resp. of medical insurance
                                                                                                                                                                                                                          Individual (30) How much do you pay PER
                                                                                                                                                                                                                          MONTH for this insurance? Please include the
                                                                                                                                                                                                                          contribution for all family members covered by an
                                                                                                                                                                                                                          insurance in your name;
                                                                                                                                                                                                                          PMED=12*JHLCVRL;
                                                                                                                                                                                                                          if JHLCVRL=-8 then PMED=0;
            MDXP           HEALTH                                                       Cost of medical insurance                                                                                                         MDXP=MED;
            TRXP           TRANSPORT                                                    NA

                                                                                                                                                                                                                          D12=JCD12CST; Cost of telephone bought in                                                  FCOMMXP
          COMMXP           COMMUNICATION                                                Expenditures on telephones                                                                                                        past year;
                                                                                                                                                                                                                          TV=JCD1CST; Cost of TV bought in past year
                                                                                                                                                                                                                          VC=JCD2CST; Cost of VCR bought in past year
                                                                                                                                                                                                                          D8=JCD8CST; Cost of computer bought in past
                                                                                                                                                                                                                          year
                                                                                                                                                                                                                          D9=JCD9CST; Cost of CD player bought in past
                                                                                                                                                                                                                          year
                                                                                                                                                                                                                          D10=JCD10CST; Cost of satellite bought in past
                                                                                                                                                                                                                          year
                                                                                                                                                                                                                          D11=JCD11CST; Cost of cable TV bought in past
                                                                                                                                                                                                                          year, Derived using original variables JXPLEIS
                                                                                        Expenditures on TV, VCR, computers, CD player, satellite                                                                          Amount spent on leisure per month; JF38B : how
                                                                                        and cable TV,Amount spent on leisure activities,                                                                                  much you personally spend in an average
           CULTXP          RECREATION AND CULTURE                 past year             entertainment, hobbies, excl. eating out                                                                                          MONTH on       leisure activities, and entertainment                                       FCULTXP
            EDXP           EDUCATION                                                    NA
          RESTOXP          RESTAURANTS AND HOTELS                                       Meals away from home


                                                                                                                                                                                                                          Derived using original variables JXPCHC
                                                                                                                                                                                                                          Childcare: weekly cost; JE108 : About how much
                                                                                                                                                                                                                          a WEEK on average does the childcare cost?
                                                                                                                                                                                                                          PCHCR=52*JXPCHC;
                           MISCELLANEOUS GOODS AND                                      Childcare, average cost                                                                                                           if JXPCHC=-8 then PCHCR=0;
           MISCXP          SERVICES

                                                                                        Includes net monthly mortgage or rent costs. For renters who
                                                                                        receive housing benefit, either partial or complete (HOUSING
                                                                                        BENEFIT is in the INCOME VARIABLES NRCBEN for those
                                                                                        that want GROSS housing costs), includes the rent after the
                                                                                        rebate. Variable is zero for houses                                                                                               JXPHSN=Net monthly housing costs Derived
            RIXP           ACTUAL RENTS AND INTEREST                                    rent free or owned outright.                                                                                                      Variable; HSXP=12*JXPHSN;                              GAS=JXPGASY; if GAS in (-1,-7,-9)   FRIXP
                                                                                                                                                                                                                                                                                 then GAS=.;
                                                                                                                                                                                                                          Derived using original variables JXPGASY Amount        ELEC=JXPLECY; if ELEC in (-1,-7,-
                                                                                                                                                                                                                          spent on gas since Sept 1999; JXPLECY Amount           9) then ELEC=.;
                                                                                                                                                                                                                          on electricity since Sept 1999; JXPOILY Amount         OIL=JXPOILY; if OIL in (-1,-7,-9)
                                                                                                                                                                                                                          spent on oil since Sept 1999; JXPSFLY Amount           then OIL=.;
                                                                                        Amount spent on gas, electricity, oil, coal/other domestic fuel                                                                   on coal/other domestic fuel since Sept 1999;           COAL=JXPSFLY; if COAL in (-1,-7,-
            UTXP           UTILITIES EXPENDITURES                 since 1.9.1999        since Sept 1999                                                                                                                   UTXP=sum(GAS,ELEC,OIL,COAL);                           9) then COAL=.;                     FUTXP

           OHSXP           OTHER HOUSING EXPENDITURES                                   NA

          MORTXP           MORTGAGE INSTALLMENTS                                        NA
VI.         NAME           INCOME VARIABLES

                                                                                                                                                                                                                          Derived using original person-level variables
                                                                                                                                                                                                                          JNJBWKS annual weeks in employment in
                                                                                        JFIYRL "annual labour income (1.9.1999-1.9.2000)" for                                                                             reference year; JJ2HAS has a second paid job;
                                                                                        employed persons + income from second/occasional/odd jobs                                                                         JJ2PAY gross earnings from
                                                                                        /includes overtime, bonuses,commission, tips or tax refund.                                                                       second/odd/occasional jobs last month;
                                                                                        NOTE: since duration of second job is not known, assumption                                                                       JJ2SEMP employee or self-employed, second
                                                                                        of six months is made for those who have been working at                                                                          job; JJBSEMP employed or self-employer/current
            WAGE           WAGES AND SALARIES                       1.9.1999-1.9.2000   least six months during the reference year.                                                                                       job; JFIYRL annual labour income               all missing data is imputed                            Imputed
         WAGENET           NET WAGES AND SALARIES                                       NA

                                                                                                                                                                                                                          Derived using original person-level variables
                                                                                        JFIYRL "annual labour income (1.9.1999-1.9.2000)" for self-                                                                       JJBSEMP employed or self-employer/current job;
                                                                                        employed persons + occasional/second job self-employment                                                                          JFIYRL annual labour income;
            SELF           SELF-EMPLOYMENT INCOME                   1.9.1999-1.9.2000   income /see note above                                                                                                                                                                   IF JFIYRL EQ -7 THEN PSELF_A=.;                Imputed
            CPRI           CASH PROPERTY INCOME                                         SUM over CPRI1, CPRI2, CPRI3, CPRI4, CPRI5
                                                                                                                                                                                                                          JFIYRDIC interest and dividends received in past       IF JFIYRDIC IN(-9,-7) THEN
            CPRI1          INTERESTS AND DIVIDENDS                     past 12 months   JFIYRDIC interest and dividends received in past 12 months                                                                        12 months                                              PCPRI1_A=.;                                    Imputed

                                                                                                                                                                                                                          Derived using original person-level variables
                                                                                                                                                                                                                          _55rent/boarders/lodgers; _56rent other property;
            CPRI2          RENTS                                    1.9.1999-1.9.2000   rental income from boarders/lodgers and other property                                                                                                                                                                                  Imputed
                                                                                                                                                                                                                           _4 annuities/private pensions;
            CPRI3          PRIVATE SAVINGS PLANS                    1.9.1999-1.9.2000   income from annuities/private pensions                                                                                                                                                                                                  Imputed
            CPRI4          ROYALTIES                                                    NA
            CPRI5          OTHER                                                        NA
                                                                                        pension from previous employment + spouse pension from
          OCCPEN           OCCUPATIONAL AND OTHER PENSIONS             since 1.9.1999   previous employment                                                                                                               OCCPEN=OCPEN1+OCPENO                                                                                  Imputed

                                                                                                                                                                                                                          Derived using original person-level variables
                                                                                                                                                                                                                          _2pension from previous employment; _3spouse
                                                                                        pension from previous employment + spouse pension from                                                                            pension from previous employment;
          OCPEN1           OCCUPATIONAL PENSIONS                                        previous employment

          OCPENO           OTHER PENSIONS                                               NA



                           STATE OLD-AGE AND SURVIVORS
          PUBPEN           BENEFITS                                      year 2000      National insurance retirement pensions+Widow/war pensions                                                                         PUBPEN=PUPEN1+PUPEN2+PUPENO                                                                           Imputed
                           UNIVERSAL OLD-AGE AND SURVIVORS
          PUPEN1           PENSIONS                                                     NA
                           EMPLOYMENT-RELATED OLD-AGE AND                                                                                                                                                                 Derived using original person-level variable: _1 NI
          PUPEN2           SURVIVORS PENSIONS                                           National insurance retirement pensions                                                                                            retirement pensions; person-level variable: _5
                                                                                                                                                                                                                          Derived using original
                           OTHER STATE OLD-AGE AND                                                                                                                                                                        widow/war pensions;
          PUPENO           SURVIVORS PENSIONS                                           Widow/war pensions
                                                                                                                                                                                                                           Derived using original person-level variables _6
                                                                                                                                                                                                                          widowed mother allowance; _16sev. disability
                                                                                        widowed mother allowance+sev. disability                                                                                          allowance; _18ind.injury allowance;
                                                                                        allowance+ind.injury allowance+attendance                                                                                         _19attendance allowance; _21inv.care allowance;
                                                                                        allowance+inv.care allowance+war disability                                                                                       _22war disability pension; _25incapacity benefit;
                                                                                        pension+incapacity benefit+disability living allowance                                                                            _26disability living allowance (Care); _27disability
                                                                                        (Care)+disability living allowance (Mob)+disability living                                                                        living allowance (Mob); _28disability living
                                                                                        allowance (DK)+child benefit+one parent benefit+maternity                                                                         allowance (DK); _35child benefit; _36one parent
                           SOCIAL INSURANCE TRANSFERS EXCL.                             allowance+other state benefits+education grant+foster                                                                             benefit; _38maternity allowance; _41other state
          SOCIBEN          PUBPEN                                        year 2000      allowance+                                                                                                                        benefits; _51education grant ; _57foster                                                              Imputed

                                                                                                                                                                                                                          Derived using original person-level variables
                                                                                                                                                                                                                          _32income support; _42job seekers allowance;
                                                                                                                                                                                                                          _40comm charge benefits; _37working family tax
                                                                                        income support+ job seekers allowance+comm.charge                                                                                 credit; _24disability tax credit;
           MNSBEN          SOCIAL ASSISTANCE BENEFITS                    year 2000      benefits+working family tax credit+disability tax credit                                                                                                                                                                                Imputed
                                                                                                                                                                                                                          _39housing benefit;
           NRCBEN          NEAR CASH BENEFITS                            year 2000      housing benefit                                                                                                                                                                                                                         Imputed

                                                                                                                                                                                                                          Derived using original person-level variables
                                                                                                                                                                                                                          _53maintenance or alimony; _54payment absent
                                                                                        maintenance/alimony+payment from absent relative+ T                                                                               relative; _52T U/friendly society payment;
           PRIVTRA         PRIVATE TRANSFERS                           since 1.9.1999   U/friendly society payment                                                                                                                                                                                                              Imputed
                                                                                        SUB-SUMMARY VARIABLE: PUBPEN + SOCIBEN +
            TRANS          SUB-SUMMARY VARIABLE: ALL TRANSFERS         since 1.9.1999   MNSBEN + NRCBEN + PRIVTRA                                                                                                          Derived using original person-level variables
                                                                                                                                                                                                                                                                                                                                Imputed
                                                                                                                                                                                                                          _59any other payment; _58sick/accident
                                                                                                                                                                                                                          insurance;
           OTHCINC         OTHER CASH INCOME                           since 1.9.1999   any other payment+sick/accident insurance                                                                                                                                                                                               Imputed
                                                                                                                                                                                                                          I1111200 social security taxes (payroll for the
                                                                                                                                                                                                                          head and partner) Taken from Cross National
                                                                                                                                                                                                                          Equivalen File (CNEF), constructed by Bardasi,
                                                                                        social security taxes, includes national insurance                                                                                Jenkins, Rigg (1999,2004);
           CONTRIB         MANDATORY EMPLOYEE CONTRIBUTIONS              year 2000      contributions plus pension contributions                                                                                                                                                                                                Imputed
                                                                                                                                                                                                                          I1110900 total hh taxes (includes:net taxes and
                                                                                                                                                                                                                          deductions for all members, income taxes plus
                                                                                                                                                                                                                          national insurance contributions plus pension
                                                                                                                                                                                                                          contributions for everybody ) Taken from Cross
                                                                                                                                                                                                                          National Equivalen File (CNEF), constructed by
                                                                                                                                                                                                                          Bardasi, Jenkins, Rigg (1999,2004);
           INCTAX          INCOME TAXES                                  year 2000      total household income taxes                                                                                                                                                                                                            Imputed
          WLTHTAX          WEALTH TAXES                                                 NA
            INTPD          INTEREST PAID                                                NA
          INTPDMG          INTEREST PAID ON MORTGAGES                                   NA
           INTPDOL         INTEREST PAID ON OTHER LOANS                                 NA                                                                                                                                Derived using original person-level variables
                                                                                                                                                                                                                          JFTEXHH transfers money to non-resident
                                                                                                                                                                                                                          person; JFTEXA1 maintenance/alimony/child
                                                                                                                                                                                                                          support to 1st non-resident person; JFTEXAV
                                                                                                                                                                                                                          amount maintenance/alimony/child support paid
                                                                                                                                                                                                                          to 1st non-resident; JFTEXAW weeks covered by
                                                                                                                                                                                                                          maintenance payment; JFTEXB1
                                                                                                                                                                                                                          maintenance/alimony/child support to 2nd non-
                                                                                                                                                                                                                          resident person; JFTEBV amount of maintenance
                                                                                        maintenance/alimony/child support paid to persons living                                                                          paid to 2nd non-resident recipient; JFTEXBW
            PTPD           PRIVATE TRANSFERS PAID                                       outside household                                                                                                                 weeks covered by maintenance payment paid to
             GIFT          NON-REGULAR GIFTS                                            NA
             GAIN          CAPITAL GAINS AND LOSSES                                     NA
                           NON CASH PROPERTY INCOME: IMPUTED
            NCPRI          RENT                                                         NA

                                                                                                                                                                                                                           Derived using original person-level variables
                                                                                                                                                                                                                          JWINDF received lump sum payment; JWINDFAY
                                                                                                                                                                                                                          amount of life insurance policy; JWINDFBY
                                                                                                                                                                                                                          amount of lump sum pension; JWINDFCY amount
                                                                                                                                                                                                                          of accident claim; JWINDFDY amount of
                                                                                                                                                                                                                          redundancy payment; JWINDFFY amount of
                                                                                        amount of life insurance policy+lump sum pension+accident                                                                         inheritance/bequest; JWINDFGY amount of
                                                                                        claim+redundancy                                                                                                                  pools/lottery win; JWINDFHY amount of anything
                                                                                        payment+inheritance/bequest+pools/lottery win+ anything                                                                           else lump sum;
           LUMP            ONE-TIME LUMP SUM INCOME                   since 1.9.1999    else lump sum payment
           EARNH           EARNINGS HEAD                            1.9.1999-1.9.2000   wage + self-employment income of head
           EARNS           EARNINGS SPOUSE                          1.9.1999-1.9.2000   Wage+self-employment income of spouse
          OCCPENH          OCCUPATIONAL PENSION HEAD                  since 1.9.1999    Occupational pensions of head
          OCCPENS          OCCUPATIONAL PENSION SPOUSE                since 1.9.1999    Occupational pensions of spouse
          PUBPENH          PUBLIC PENSION HEAD                                          Public pensions of head
          PUBPENS          PUBLIC PENSION SPOUSE                                        Public pensions of spouse
            PENH           ALL PENSIONS HEAD                                            All pensions of head
            PENS           ALL PENSIONS SPOUSE                                          All pensions of spouse
VII        NAME            SUMMARY INCOME VARIABLES
           EARNW           EARNINGS                                                     EARNW= WAGE + SELF
         EARNWNET          NET EARNINGS                           NA                    EARNWNET=WAGENET+SELF
             FIW           FACTOR INCOME                                                FIW= EARNW + CPRI
          FIWNET           NET FACTOR INCOME                      NA                    FIWNET=EARNWNET+CPRI
             MIW           MARKET INCOME                                                MIW= FIW + OCCPEN
          MIWNET           NET MARKET INCOME                      NA                    MIWNET=FIWNET+OCCPEN
             GIW           GROSS INCOME                                                 GIW= MIW + TRANS + OTHCINC
          GIWNET           NET INCOME                             NA                    GIWNET=MIWNET+TRANS+OTHCINC
           LIS_DPI         LIS DISPOSABLE INCOME                                        LIS_DPI= GIW - CONTRIB - INCTAX
            DPIW           LWS DISPOSABLE INCOME                                        DPIW= LIS_DPI -WLTHTAX - INTPAID - PTPAID + NCPRI
             DPIT          LWS DISPOSABLE INCOME+GAINS            NA                    DPIT= DPIW + GAIN
VIII       NAME            BEHAVIOURAL VARIABLES
             RISK1         FINANCIAL RISK TAKING WILLINGNESS                            NA
             RISK2         DEMAND FOR SAFE INVESTMENTS                                  NA
             RISK3         LOTTERY QUESTION                                             NA
             RISK4         SELF-ASSESSED ACTUAL RISK TAKING IN
                           THE PAST                                                     NA

                                                                                                                                                          1 'holidays' 2'old age' 3'car' 4'children' 5'house purchase'
                                                                                                                                                          6'house improvement' 7'HH bills' 8'special events' 9'no
        SAVE_1-SAVE_6
                                                                                                                                                          special reasons' 10'share schemes' 11'own education'
                                                                                                                                                          12'grandchild' -6 'don't know' -7'refusal' -8'not applicable' -
                           SAVING MOTIVES                                               Reasons for saving                                                10'proxy'                                                       Two variables are filled in priority order
            PRECS          AMOUNT NEEDED TO COVER UNEXPECTED
                           EXPENSES                                                     NA
            HORIZ                                                                                                                                         1'mainly short term' 2'mainly long term' 3'both equally' -
                           FINANCIAL TIME HORIZON                                       Whether savings are mainly long term or short term                6'don't know' -8'not applicable' -10'proxy'
            SPEND          MONEY SHOULD BE SPENT                                        NA
             FLIT1         EFFORT OR TIME SPENT IN OBTAINING
                           FINANCIAL INFORMATION                                        NA
        FLIT2_1-FLIT2_10   IMPORTANT FINANCIAL INFORMATION
                           SOURCES                                                      NA
            CARD           POSSESSION OF CREDIT CARDS                                   Whether household has credit cards                                1'yes' 0'no'
            NCARD          NUMBER OF CREDIT CARDS                                       NA
            ONBK           USE ONLINE BANKING                                           NA

            HLTH1                                                                                                                                         1'at least once a week' 2'at least once a month' 3'several
                           SPORTS                                                       Frequency of sports                                               times a year' 4'once a year or less' 5'never/almost never'
            HLTH2A         SMOKE                                                        Whether person smokes cigarettes                                  1'yes' 0'no'
            HLTH2B         CIGARETTES PER DAY                                           Average number of cigarettes smoked per day
             ATT1                                                                                                                                         1'not satisfied at all' 4'neither satisfied nor dissatisfied'
                           OVERALL HAPPINESS                                            How satisfied person is with the current job                      7'completely satisfied'

             ATT2                                                                                                                                         1'not at all' 2'no more than usual' 3'rather more than
                           LEVEL OF WORRY                                               Whether person has recently lost much sleep over worry usual' 4'much more than usual'
                                                                                                                                                          1'never/almost never' 2'once a year or less' 3'several
             ATT3                                                                                                                                         times per year' 4'at least once a month' 5'at least once a
                           VOLUNTARY COMMITMENT                                         How often person does unpaid voluntary work                       week'

       EXTRA VARIABLES                                                                                                                                                                                                    JHS2OWND= Do you or any members of your
                                                                                                                                                                                                                          household own :other houses, or a holiday home
                                                                                                                                                                                                                          in UK (NOT INCLUDING CURRENT HOUSE,
                                                                                        dummy own/do not own investment real estate (includes other 1 Yes                                                                 CARAVANS OR TRAILERS),Other buildings,
                                                                                        houses, holiday homes in UK (not current house, caravans,        0 No                                                             such as shop, warehouse or garage, Land in UK,
                                                                                        trailers), Other buildings, such as shop, warehouse or garage,  -9 Missing/wild/Not stated                                        Land or property overseas (INCLUDING TIME-
                                                                                        Land in UK, Land or property overseas, includes time-shares,    -8 Not applicable                                                 SHARE) Other land or real estate;
              DIR          DIR ='DUMMY: INVESTMENT REAL ESTATE'                         Other land or real estate)                                     -77 Proxy                                                          DIR=JHS2OWND;
                                                                                                                                                                                                                          Derived using original variables JNCARS=Is there       if DIR=-1 then DIR=-9;
                                                                                                                                                          0= do not own                                                   a car available for private use;
                                                                                                                                                           1= owned by household                                          JCAROWN=Household member owns vehicle;
                                                                                                                                                           2= company vehicle                                             DVHnet=JCAROWN;
                                                                                                                                                           3= both owned and company                                      if JNCARS=0 then DVHnet=0;       *do not own;
                                                                                                                                                           -9= not answered                                               if DVHnet =-1 then DVHnet=-9; *not answered;
           DVHNET          DVHnet ='DUMMY: VEHICLES net value'                          Dummy own/do not own car                                           -77= Proxy                                                     if DVHnet =-7 then DVHnet=-77;




                                                                                                                                                          FDA (created at hh-level)
                                                                                                                                                          0 all original reponses or N/A
                                                                                                                                                           1 all responses in hhld N/A
                                                                                                                                                          777 proxy
                                                                                                                                                           911 one response in hhld derived from brackets
                                                                                                                                                           912 two responses in hhld derived from brackets
                                                                                                                                                           913 thress responses in hhld derived from brackets
                                                                                                                                                           9991 one response in hhld miss, DK, Ref
                                                                                                                                                           9992 two responses in hhld miss, DK, Ref
             FDA           FDA ="FLAG: DEPOSIT ACCOUNTS"                                Flag for DA                                                        9993 three responses in hhld miss, DK, Ref                                                                                                                FLAGS FOR VARIABLES CREATED AT THE PERSONAL LEVEL and AGGREGATED AT THE HHLD LEVEL
                                                                                                                                                          FRA (created at hh-level)
                                                                                                                                                          0 all original reponses or N/A
                                                                                                                                                           1 all responses in hhld N/A
                                                                                                                                                          777 proxy
                                                                                                                                                           911 one response in hhld derived from brackets
                                                                                                                                                           912 two responses in hhld derived from brackets
                                                                                                                                                           9991 one response in hhld miss, DK, Ref
             FRA           FRA ='FLAG: RISKY ASSETS'                                    Flag for RA                                                        9992 two responses in hhld miss, DK, Ref                                                                                                                  FLAGS FOR VARIABLES CREATED AT THE PERSONAL LEVEL and AGGREGATED AT THE HHLD LEVEL

                                                                                                                                                          FNHD
                                                                                                                                                           1 all responses in hhld N/A
                                                                                                                                                          777 proxy
                                                                                                                                                           911 one response in hhld derived from brackets
                                                                                                                                                           912 two responses in hhld derived from brackets
                                                                                                                                                           913 thress responses in hhld derived from brackets
                                                                                                                                                           9991 one response in hhld miss, DK, Ref
             FNHD          FNHD ='FLAG:NON-HOUSING DEBT'                                Flag for NHD                                                       9992 two responses in hhld miss, DK, Ref                                                                                                                  FLAGS FOR VARIABLES CREATED AT THE PERSONAL LEVEL and AGGREGATED AT THE HHLD LEVEL
                                                                                                                                           FLAG: FPR
                                                                                                                                           JHSVALI= imputation flag JHSVAL (base)*;
                                                                                             FPR (created at p-level)                      FPR=JHSVALI;
                                                                                             0 original                                    if FPR=-9 then FPR=99;
                                                                                              1 question N/A                               if FPR=-8 then FPR=1;
                                                                                              96 original response DK                      if FPR=-7 then FPR=77;
                                                                                              97 original response Refusal                 if FPR=-2 then FPR=97;
     FPR         FPR ='FLAG: PRINCIPAL RESIDENCE'           Flag for PR                       99 missing                                   if FPR=-1 then FPR=96;                               FLAGS FOR VARIABLES CREATED AT THE HOUSEHOLD LEVEL
                                                                                                                                            FIR
                                                                                                                                           if IR =0 then FIR=0; *original;
                                                                                                                                           if IR=-8 or DIR = 0 then do; IR=0;
                                                                                                                                           FIR=1;end; *N/A;
                                                                                                                                           if IR=-2 then FIR=97; *Refused;
                                                                                             FIR (created at p-level)                      if IR=-1 and DIR in (-9,-77) then FIR=991;*value &
                                                                                             0 = original                                  filter missing;
                                                                                             1 N/A;                                        if IR=-1 and DIR >=0 then FIR=992;*value miss &
                                                                                             77 proxy                                      filter non-miss;
                                                                                             97 =Refused;                                  if IR=-7 then FIR=77; *Proxy;
      FIR        FIR ='FLAG: INVESTMENT REAL ESTATE'        Flag for IR                      992 = value miss & filter non-miss;           if IR <0 then IR=.;                                  FLAGS FOR VARIABLES CREATED AT THE HOUSEHOLD LEVEL

                                                                                                                                           VHnet=.;
                                                                                                                                           if JCARVAL >=0 then FVHnet=0;       *original;
                                                                                                                                           if JCARVAL=-8 then FVHnet=1; *N/A;
                                                                                             0 original                                    if JCARVAL=-2 then FVHnet=97; *Refused;
                                                                                              1 question N/A                               if JCARVAL in (-1,-9) and DVHnet <0 then
                                                                                             77 proxy                                      FVHnet=991;*value & filter missing;
                                                                                             97 original response Refusal                  if JCARVAL in (-1,-9) and DVHnet >=0 then
                                                                                             991 value missing & filter question missing   FVHnet=992;*value miss & filter non-miss;
    FVHnet       FVHnet ='FLAG: VEHICLES net value'                                          992 value missing & filter non-missing        if JCARVAL=-7 then FVHnet=77; *Proxy;

                                                                                                                                           if JMGTOT >=0 or JMGTOT =-3 then FHSD=0;
                                                                                             FHSD (created at p-level)                     *original;
                                                                                             0 original                                    if JMGTOT=-8 then FHSD=1; *N/A;
                                                                                              1 question N/A                               if JMGTOT=-2 then FHSD=97; *Refused;
                                                                                             77 proxy                                      if JMGTOT=-2 then FHSD=96; *DK;
                                                                                             96 original response DK                       if JMGTOT=-9 then FHSD=99; *value missing;
     FHSD        FHSD ='FLAG: HOME SECURED DEBT'            Flag for HSD                     99 missing                                    if JMGTOT=-7 then FHSD=77; *Proxy;                   FLAGS FOR VARIABLES CREATED AT THE HOUSEHOLD LEVEL
                                                                                             FINH1 (created at hh-level)
                                                                                             0 all original reponses or N/A
                                                                                              1 all responses in hhld N/A
                                                                                             777 proxy
                                                                                              9991 one response in hhld miss, DK, Ref
     FINH1       FINH1 ='FLAG:INHERITANCE 1 '               Flag for FINH1                    9992 two responses in hhld miss, DK, Ref                                                          FLAGS FOR VARIABLES CREATED AT THE PERSONAL LEVEL and AGGREGATED AT THE HHLD LEVEL
                                                                                             FHSXP (created at hh-level)
                                                                                                                                           FHSXP=JXPHSNI;*original;
                 FHSXP ='FLAG: HOUSING EXPENDITURES'                                         0 all original reponses or N/A
                                                                                                                                           if FHSXP=1 then FHSXP=90;*imputed;
  FHSXP/FRIXP    FRIXP ='FLAG: ACTUAL RENTS AND INTEREST'   Flag for FHSXP/FRIXP             90=imputed                                                                                         FLAGS FOR VARIABLES CREATED AT THE PERSONAL LEVEL and AGGREGATED AT THE HHLD LEVEL
                                                                                                                                           if GAS=. or ELEC=. or OIL=. or COAL=. then
                                                                                                                                           FUTXP=99;
                                                                                              FUTXP (created at p-level)                   if GAS>=0 or ELEC>=0 or OIL>=0 or COAL>=0
                                                                                             0 original                                    then FUTXP=0;
                                                                                              1 question N/A                               if GAS=0 or ELEC=0 or OIL=0 or COAL=0
    FUTXP        FUTXP ='FLAG: UTILITY EXPENDITURES';       Flag for FUTXP                    99 missing                                   then FUTXP=1;                                        FLAGS FOR VARIABLES CREATED AT THE PERSONAL LEVEL and AGGREGATED AT THE HHLD LEVEL
                                                                                                                                           if TV=. or VC=. or D3=. or D4=. or D5=. or D6=.
                                                                                                                                           or D7=. or D8=. or D9=. or D10=.
                                                                                                                                           or D11=. or D12=. then FDRXP=99;
                                                                                                                                           if TV>=0 and VC>=0 and D3>=0 and D4>=0 and
                                                                                                                                           D5>=0 and D6>=0 and D7>=0 and D8>=0 and
                                                                                                                                           D9>=0 and
                                                                                                                                           D10>=0 and D11>=0 and D12>=0 then
                                                                                                                                           FDRXP=0;
                                                                                              FDRXP (created at p-level)                   if TV=0 and VC=0 and D3=0 and D4=0 and D5=0
                  FCULTXP ='FLAG: RECREATION AND CULTURE'                                    0 original                                    and D6=0 and D7=0 and D8=0 and D9=0 and
FEQUIPXP/FCOMM    FCOMMXP ='FLAG: COMMUNICATION'                                              1 question N/A                               D10=0
  XP/FCULTXP      FEQUIPXP ='FLAG: HOUSING EQUIPMENT';      Flag for FEQXP/FCOMMXP/FCULTXP    99 missing                                   and D11=0 and D12=0 then FDRXP=1;                    FLAGS FOR VARIABLES CREATED AT THE PERSONAL LEVEL and AGGREGATED AT THE HHLD LEVEL

						
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