[Federal Register Volume 59, Number 101 (Thursday, May 26, 1994)]
[Unknown Section]
[Page 0]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 94-12463]


[[Page Unknown]]

[Federal Register: May 26, 1994]


OFFICE OF PERSONNEL MANAGEMENT

 

Report on Summer 1993 Surveys Used To Determine Cost-of-Living 
Allowances in Selected Nonforeign Areas

AGENCY: Office of Personnel Management.

ACTION: Notice.

-----------------------------------------------------------------------

SUMMARY: This notice publishes the ``Report to OPM on Living Costs in 
Hawaii, Guam and the Commonwealth of the Northern Mariana Islands, 
Puerto Rico, United States Virgin Islands, and in the Washington, DC, 
Area, March 1994,'' prepared by Runzheimer International under 
Government contract OPM-90-0705. This report provides the basis for the 
increases in certain cost-of-living allowances (COLA's) being proposed 
by OPM in the notice of proposed rulemaking immediately preceding this 
notice.

DATES: Consistent with the deadline on comments in response to the 
notice of proposed rulemaking immediately preceding this notice, OPM 
requests that comments on the report be submitted on or before July 25, 
1994.

ADDRESSES: Send or deliver comments to Allan G. Hearne, Methodology 
Development Branch, Office of Compensation Policy, Personnel Systems 
and Oversight Group, Office of Personnel Management, room 6H31, 1900 E 
Street NW., Washington, DC 20415.

FOR FURTHER INFORMATION CONTACT:
Allan G. Hearne, (202) 606-2838.

SUPPLEMENTARY INFORMATION: Under 5 CFR 591.206(c), COLA survey 
summaries must be published in the Federal Register. Accordingly, OPM 
is publishing the complete ``Report to OPM on Living Costs in Hawaii, 
Guam and the Commonwealth of the Northern Mariana Islands, Puerto Rico, 
United States Virgin Islands, and the Washington, DC, Area, March 
1994,'' produced by Runzheimer International. The Runzheimer report 
describes the surveys that were conducted for OPM in the summer of 1993 
in Hawaii, Guam, Puerto Rico, the Virgin Islands, and the Washington, 
DC, area. It also explains in detail the methodologies, calculations, 
and findings.
    OPM is publishing the survey results at this time to expedite the 
implementation of potential COLA rate adjustments. This notice does not 
cover the winter 1994 living-cost surveys conducted in Alaska. The 
results of the winter 1994 surveys will be published in a separate 
notice later this year after OPM has fully analyzed the results of the 
Alaska surveys.
    Based on the summer 1993 living-cost surveys, Runzheimer computed 
index values of relative living costs in allowance areas using an index 
scale where the living costs in the Washington, DC, area are set at 
100. (See the Executive summary of the March 1994 Runzheimer report 
accompanying this notice.) OPM notes that the summer surveys indicated 
that COLA rates in three allowance areas are above levels otherwise 
warranted. However, the Treasury, Postal Service, and General 
Government Appropriations Act, 1992 (Pub. L. 102-141), bars any 
reduction in COLA rates through December 31, 1995. Thus, the only rate 
adjustments to be made are rate increases, as described in the notice 
of proposed rulemaking immediately preceding this notice.

U.S. Office of Personnel Management.
James B. King,
Director.

Report to OPM on Living Costs In Hawaii, Guam and the Commonwealth of 
the Northern Mariana Islands, Puerto Rico, United States Virgin 
Islands, and in the Washington, DC Area

March 1994

Table of Contents

Executive Summary
1. Introduction
    1.1  Report Objectives
    1.2  Changes in This Year's Survey
    1.3  Pricing Period
    1.4  Living Cost Components
2.  Overall Model
    2.1  Measurement of Living-Cost Differences
    2.1.1  Target Population: Federal Employees
    2.1.2  Determination of Expenditure Patterns
    2.1.2.1  Source of Expenditure Data
    2.1.2.2  Income Level Adjustments
    2.1.2.3  Family Size Considerations
    2.1.2.4  Analysis of the 1988 Consumer Expenditure Survey
    2.2  General Formulae and Applications
    2.3  Data Collection Process
    2.3.1  In-house Research Staff
    2.3.2  Field Researchers--``Research Associates''
    2.3.3  On-site Visits by Runzheimer Research Personnel
    2.4  Editing and Quality Control Procedures
    2.5  Pricing Surveys in Puerto Rico
    2.6  Pricing Surveys in Hawaii County
    2.7  Surveying the Washington, D.C., Area
3. Consumption Goods & Services
    3.1  Component Overview
    3.2  Marketbasket Research
    3.2.1  Expenditure Research--Category Weightings
    3.2.2  Expenditure Research--Subcategory and Item weightings
    3.3  Marketbasket Item Specifications
    3.3.1  Exchange and Commissary Expenditure Research
    3.4  Goods & Services Data Collection Procedures
    3.4.1  Data Collection Materials
    3.4.2  Outlet Selection
    3.4.3  Special Considerations in Guam and Kauai
    3.5  Inclusion of Sales and Excise Taxes
    3.6  Goods & Services Survey Results
4. Housing
    4.1  Component Overview
    4.2  Housing Model
    4.2.1  Expenditure Research
    4.2.2  Development of Housing Profiles
    4.2.3  Living Community Selection
    4.2.4  Identification and Quantification of Housing-Related 
Expenses
    4.2.4.1  Utilities
    4.2.4.2  Real Estate Taxes
    4.2.4.3  Owners/Renters Insurance
    4.2.4.4  Maintenance
    4.2.4.5  Telephone
    4.3  Housing Data Collection Procedures
    4.3.1  Homeowner Data Collection
    4.3.2  Renter Data Collection
    4.4  Housing Analysis
    4.4.1  Homeowner Data Analysis
    4.4.1.1  Data Trimming
    4.4.1.2  Special Considerations
    4.4.2  Rental Data Analysis
    4.4.2.1  Data Trimming and Special Analyses
    4.4.3  Analysis of Housing-Related Expenses
    4.5  Housing Survey Results
5. Transportation
    5.1  Component Overview
    5.2  Private Transportation Methodology
    5.2.1  Vehicle Selection and Pricing
    5.2.2  Vehicle Trade Cycle
    5.2.3  Fuel Performance and Type
    5.2.3.1  Impact of Temperature upon Fuel Performance
    5.2.3.2  Impact of Road Surface upon Fuel Performance
    5.2.3.3  Impact of Gradient upon Fuel Performance
    5.2.3.4  Overall Impact upon Fuel Performance
    5.2.4  Vehicle Maintenance
    5.2.5  Tires
    5.2.6  License and Registration Fees, and Miscellaneous Tax
    5.2.7  Depreciation
    5.2.8  Finance Expense
    5.2.9  Vehicle Insurance
    5.3  Public Transportation Methodology
    5.4  Transportation Survey Results
6. Miscellaneous Expenses
    6.1  Component Overview
    6.2  Miscellaneous Expense Model
    6.2.1  Expenditure Research
    6.2.2  Miscellaneous Expense Methodology
    6.3  Miscellaneous Expense Data Collection Procedures
    6.4  Miscellaneous Expense Survey Results
7. Final Results
    7.1  Total Comparative Cost Indexes
    7.2  General Comments
    7.3  Recommendations

Appendix

Appendix 1  Consumer Expenditure Survey (CES)
Appendix 2  Marketbasket Descriptions
Appendix 3  Pricing Changes: Good & Services/Miscellaneous Expense/
Transportation/Housing Related
Appendix 4  Consumption Goods & Services Analysis
Appendix 5  Nonforeign Area Cost-of-Living Allowances Price Survey 
Data and Background Survey Data Collection Procedures
Appendix 6  1992/1993 OPM Living Community Selection
Appendix 7  Housing Cost Analysis
Appendix 8  Housing Analysis
Appendix 9A  Analysis of Home Sales Data
Appendix 9B  Analysis of Rental Data
Appendix 10A  Private Transportation Cost Analysis
Appendix 10B  Auto Insurance Calculation Worksheet
Appendix 11  Transportation Analysis
Appendix 12  Miscellaneous Expense Analysis
Appendix 12  Multiple Survey Areas
Appendix 14  Component Expenditure Amounts & Total Comparative Cost 
Indexes

Executive Summary

    This report culminates the fourth living-cost comparison study 
undertaken by Runzheimer International for the Office of Personnel 
Management (OPM) under contract OPM-90-0705. The contract requires 
Runzheimer to:
    (1) Survey living costs in 7 cost-of-living allowance (COLA) areas 
and the Washington, DC, area, and
    (2) Compare living costs between the areas and the DC area.
    To determine living costs in the identified areas and build this 
report, Runzheimer researched over 3,000 outlets and gathered more than 
12,000 price quotes.
    This report presents the results of the living-cost surveys 
conducted during the summer of 1993. The results of the winter 1994 
living-cost surveys will be presented in a subsequent report to be 
provided to OPM in mid-1994.
    To ease interpretation of the research results, we display the 
outcome of the comparisons as living-cost indexes in the table below. 
In addition, the table shows living-cost indexes for federal employees 
who have unlimited access to commissary and exchange facilities because 
of their employment. The index for the Washington, DC, area (not shown) 
is 100.00 because it is, by definition, the reference area.

                      Final Cost Comparison Indexes                     
------------------------------------------------------------------------
                                                   Local      Commissary
                Allowance area                    pricing     & exchange
------------------------------------------------------------------------
City & Cnty of Honolulu, Hawaii...............       122.90       120.26
Hawaii Cnty, Hawaii...........................       109.63           NA
Kauai Cnty, Hawaii............................       119.27           NA
Maui Cnty, Hawaii.............................       119.32           NA
Guam, CNMI*...................................       122.25       120.81
Puerto Rico...................................       103.00       102.17
U.S. Virgin Islands...........................       117.81           NA
------------------------------------------------------------------------
*Commonwealth of the Northern Mariana Islands.                          
NA=Not Applicable.                                                      

    One of the changes OPM requested this year was to separate the 
reporting of the summer and winter living-cost surveys. As noted 
earlier, this has been done. The purpose of this change was to allow 
OPM to adjust COLA where warranted in a more timely manner.
    Another change was to combine the St. Croix and St. Thomas, Virgin 
Island, data to form a single index for the U.S. Virgin Islands. This 
change was made to address concerns about the quantity of data, 
obtained in the Virgin Islands. Combining the two areas significantly 
increases the data base and improves price comparisons.
    For the 1993 summer surveys, OPM asked Runzheimer to change of its 
data collection procedures and data analyses relative to last year's 
surveys. Runzheimer also initiated other changes with OPM's approval. 
Some of these changes included:
     Using a moving average approach to introduce new Federal 
employment weights;
     Increasing the quantity of housing data obtained in 
certain areas--most notably parts of the Virgin Islands;
     Making minor changes in pricing sources for certain items 
to refine the comparisons of D.C. and allowance area prices;
     Taking into account the effects of the earthquake in Guam 
by ensuring that goods & services pricing--most notably fresh produce--
was not abnormally skewed;
     Taking into account the effects of Hurricane Iniki in 
Kauai by ensuring that prices--particularly housing costs--were not 
abnormally skewed;
     Employing a new methodology for collecting and analyzing 
Virgin Island, Guam, and Puerto Rico automobile insurance rates; and
     Employing a new methodology for determining automobile 
maintenance costs.
    In addition, to monitor, fine-tune, and maintain effective control 
of the data-gathering efforts in both the Pacific and Caribbean 
regions, two of Runzheimer's senior research staff traveled to these 
regions to visit retail outlets, Runzheimer research associates, 
housing data sources, and living communities.
    We discuss these and other adjustments in appropriate sections 
throughout this report.

Report to OPM on Living Costs in Hawaii, Guam and the Commonwealth of 
the Northern Mariana Islands, Puerto Rico, U.S. Virgin Islands, and in 
the Washington, DC Area

1. Introduction

1.1  Report Objectives

    This comprehensive report culminates data-gathering and research 
work undertaken in 1993 as required by Task 2 of contract OPM-90-0705 
between the Office of Personnel Management (OPM) and Runzheimer 
International. The report details the results of Runzheimer 
International's surveys of over 3,000 outlets to obtain more than 
12,000 price quotes and the analyses of the data.
    This is the fourth report Runzheimer has produced for OPM under 
this contract. In 1990, in fulfillment of Task 1 of the contract, 
Runzheimer worked with OPM to design a model for estimating comparative 
living costs between the allowance areas and the Washington, D.C., 
area. Task 2 of the contract required that Runzheimer apply the model 
by conducting living-cost surveys, analyzing the results, and 
developing living-cost comparative indexes. On February 26, 1991, OPM 
published that model and the results of the first surveys conducted 
under the model in the Federal Register. On December 10, 1992, OPM 
published in the Federal Register the second report, which covered the 
summer 1991 and winter 1992 surveys. On August 30, 1993, OPM published 
in the Federal Register the next report that covered the summer 1992 
and winter 1993 surveys.
    Unlike previous reports, this report provides only the results of 
the summer 1993 surveys. This change was made to allow OPM the 
opportunity to adjust COLA rates where warranted in a more timely 
manner. Results of the 1994 winter surveys (i.e., the Alaska surveys) 
will be presented in a separate report to be provided to OPM in mid-
1994.
    The analyses in this report establish the comparative cost 
differences between the allowance areas listed below and the 
Washington, D.C., area. By law, Washington, D.C., is the base of 
``reference'' area for the nonforeign-area COLA program.

1. City and County of Honolulu, Hawaii
2. Hawaii County, Hawaii
3. Kauai County, Hawaii
4. Maui County, Hawaii
5. Guam and the Commonwealth of the Northern Mariana Islands (CNMI)
6. Puerto Rico
7. U.S. Virgin Islands

    Under OPM regulations, federal civilian employees who have 
unlimited access to commissaries and post exchanges due to their 
employment by the government may receive a different allowance rate 
than other federal employees. This regulation does not apply to federal 
employees who have limited access or unlimited access for other 
reasons--e.g., being married to active or retired military personnel.
    Task 2 of the OPM contract also required Runzheimer International 
to calculate comparative living costs in the areas listed below and the 
Washington, D.C., area for federal civilian employees who have access 
to military commissaries and post exchanges.

1. City and County of Honolulu, HI
2. Guam/CNMI
3. Puerto Rico

1.2  Changes in This Year's Survey

    Runzheimer and OPM made several changes to the surveys and 
analyses, including--
     reporting the results of the summer and winter surveys 
separately;
     using a moving average approach to introduce new Federal 
employment weights;
     combining St. Croix and St. Thomas data to produce indexes 
for the Virgin Islands as a whole;
     increasing the sample size of housing information in 
several areas, including Hawaii, San Juan, St. Croix, and the Maryland 
suburbs of the Washington, D.C., area;
     developing a percent-to-market value formula to calculate 
real estate taxes for San Juan because tax assessment data were no 
longer available as a result of a decentralization of property tax 
function in Puerto Rico;
     increasing the comparability of automobile insurance in 
the Virgin Islands, Guam, and Puerto Rico, compared with the 
Washington, D.C., area;
     surveying only the cash price at branded gas stations 
unless only non-branded stations are available; and
     more accurately defining the distinguishing differences 
between family dining and fine dining.
    Runzheimer has continued to include catalog sales in its survey. 
Since the Sears catalogs have been discontinued. Runzheimer has 
researched hundreds of catalogs to determine which are most 
appropriate. Runzheimer researchers found that most catalogs have 
uniform shipping charges. Only catalogs that sell merchandise in the 
allowance areas and the Washington, D.C., area were used.
    Appendix 3 identifies Goods & Services, Miscellaneous Expense, and 
Housing Related pricing changes. Current housing data can be found in 
appendix 9A and Appendix 9B. Other changes are discussed where 
applicable in the report.

1.3  Pricing Period

    Consistent with last year's tropical-area surveys. Runzheimer 
collected data for the Hawaii, Guam/CNMI, Puerto Rico, and Virgin 
Islands allowance areas (and the Washington, D.C., area) in August, 
September, and October of 1993, pricing most items during August. Also 
during August, our research associates priced durable goods, such as 
cars, and, in October, items such as homeowner insurance, which depend 
on the pricing of other items (i.e., housing).
    To ensure consistent seasonable catalog pricing, Runzehimer used 
spring/summer catalogs for the catalog items covered in these surveys.

1.4  Living Cost Components

    In accordance with federal regulations, expense components 
Runzheimer costed to develop analyses, comparisons, and the report 
were:

1. Housing and Housing Related Expenses
2. Transportation
3. Consumption Goods & Services
4. Miscellaneous Expenses

    Runzehimer factored sales, excise and property taxes into the 
analysis where applicable. However, in keeping with previous reports, 
we did not factor federal, state and local income taxes into the 
analysis. Because income taxes significantly affect living-cost 
analyses, Runzheimer and OPM are researching the issue of including 
income taxes in future surveys.
    Educational opportunities vary significantly among locations in 
terms of availability, quality, and other factors. Runzheimer analyst 
and OPM officials agree that, without additional information, attempts 
to measure cost differences in education in the selected areas would be 
highly subjective and would not add to the integrity of the model. 
Therefore, education expense is not included in the model or surveys.

2. Overall Model

2.1  Measurement of Living-Cost Differences

    The most common and most widely accepted way to measure living-cost 
differences between and among locations is to select representative 
items that people purchase in these locations and to calculate the 
respective cost differences, combining them according to their 
importance to one another (as measured by relative percentage of 
expenditures). Runzheimer applied this methodology to compare the 
living costs in each of the allowance areas with the living costs in 
the Washington, D.C. area.
    To move from this basic concept to computing comparative living 
costs between each allowance area and the Washington, D.C., area, 
Runzheimer followed five main processes or steps:
    Step 1  Identify the segment of the population for which this 
analysis is being targeted (i.e., the target population).
    Step 2  Determine how these people spend their money.
    Step 3  Select items to represent the expense categories for which 
these people spend their money.
    Step 4  Conduct pricing surveys of the selected items in each area.
    Step 5  Analyze cost ratios for the selected items and aggregate 
them according to the relative importance of each item.
2.1.1  Target Population: Federal Employees
    Runzheimer's living-cost model measures living-cost differences for 
non-military Federal employees having annual base salaries between 
$10,000 and $80,000, the salary range of the 1990 General Schedule (GS) 
of the Federal Government. Because living-cost differences may vary 
depending on an employee's income level, Runzheimer designed its 
analytical model to identify living costs at three income levels.
    In its first report to OPM, Runzheimer used the salary distribution 
of all General Schedule employees as of March 31, 1990, which OPM 
supplied, to determine the income levels that most accurately represent 
the Federal employee population. After analyzing the array of salary 
data, Runzheimer picked the midpoints of the lower, middle and upper 
thirds of the distribution as its three income levels ($18,000, $28,400 
and $45,200 respectively).
    Runzheimer applied the same income levels for this report as it did 
for the first. In previous reports, Runzheimer recommended that OPM 
consider introducing changes in income levels and weights on a gradual 
basis. OPM agreed, and this year OPM introduced new Federal employment 
weights that are based on a moving average. OPM has informed Runzheimer 
that OPM plans to introduce other changes, such as in the 
representative income levels and Consumer Expenditure Survey (CES) 
weights, in future surveys.
    Runzheimer uses Federal employment weights in the model in two 
ways: (1) to combine survey data from multiple survey areas within a 
single allowance area and (2) to combine relative living costs by 
income level within each allowance area into a single index for the 
area (as required by section 591.205(c) of title 5, Code of Federal 
regulations).
    OPM's moving average allows the gradual introduction of new 
employment distribution data over time. The weights are based on a 
three-year average of GS employment. Each year, the latest GS 
employment data will be added to the three-year average, the oldest 
data will be deleted, and a new three-year average will be computed. 
This will keep the weights current while mitigating any fluctuations 
due to short-term changes in Federal employment.
    In this first application of the moving average, OPM is departing 
slightly from the process described above in that the three employment 
distributions used are for the periods of 1990, 1992, and 1993. The 
1990 rather than 1991 employment distribution is used because the model 
previously used 1990 data only. (See Appendix 13.)
2.1.2  Determination of Expenditure Patterns
2.1.2.1  Source of Expenditure Data
    Conforming with last year's process, Runzheimer used the ``prepub'' 
statistical reports from the 1988 CES dated February 13, 1990 (see 
Appendix 1) as the basis for weighting expenditure patterns.
2.1.2.2  Income Level Adjustments
    Because the CES reflected 1988 expenditure levels, Runzheimer 
reduced the three 1990 incomes back to 1988 levels before beginning the 
expenditure analysis. To calculate estimated 1988 income levels, 
Runzheimer used the average percentage salary increases of Federal 
employees for the two-year period in question as supplied by OPM 
officials (4.1% increase 1988-89 and 3.6% increase 1989-90, resulting 
in a 7.85% two-year increase). This adjustment reduced the 1990 income 
levels to estimated 1988 levels of $16,700, $26,300, and $41,900.
2.1.2.3  Family Size Considerations
    A family size of 2.6 was inherent in the weighting scheme 
Runzheimer employed to price all allowance areas. Derived from CES 
research, the number represented an average for the nation.
2.1.2.4  Analysis of the 1988 Consumer Expenditure Survey
    From the 1988 CES, Runzheimer used the statistical report entitled 
``Table 2. Income before Taxes,'' which listed average expenditures for 
families earning similar incomes, organized into eight income ranges. 
Runzheimer analyzed these data to develop typical spending patterns for 
the three income profiles identified in 2.1.2.2. (The table below 
displays the results of the analysis.)
    Seven income categories encompassed these three income profiles:

$10,000 to $14,999
$15,000 to $19,999
$20,000 to $29,999
$30,000 to $39,999
$40,000 to $49,999
$50,000 and over
All respondents combined

    The 1988 CES grouped expenses into small, logical families of 
items. For example, the report divided money spent by families on beef 
into four groups: ground beef, roast, steak and other beef. The steak 
and roast groupings were further separated into smaller clusters of 
items (e.g., sirloin and round steak, chuck and round roast).
    Drawing on this survey of expenditure data, Runzheimer sorted the 
item groupings into the four main cost components specified in the OPM 
regulations: Consumption Goods & Services, Transportation, Housing, and 
Miscellaneous Expenses. Runzheimer observed that families in the lower 
income ranges spent more of their money, as a percentage of total 
expenses, on goods and services and housing than families in higher 
income ranges. Also, families spent approximately the same percentage 
of their total expenses on transportation, regardless of income. 
Consequently, the Miscellaneous Expense component--which includes such 
things as medical-care expenses, contributions, gifts to non-family 
members, pension funds, long-term savings and investments, and life 
insurance premiums--increased as a percentage of total expenses as 
income increased.
    To develop accurate and defensible weighting patterns for the three 
income levels, Runzheimer performed linear regression analysis on the 
selected 1988 CES data. Listed below are the results of Runzheimer's 
analysis for the income ranges listed on the preceding page:

                         Component Expenses Expressed as a Percentage of Total Expenses                         
----------------------------------------------------------------------------------------------------------------
                                    Income      Goods &                                                         
       Income Level 1991          Level 1988    Services     Housing    Transportation     Misc.        Total   
                                    (Est.)     (percent)    (percent)     (percent)      (percent)    (percent) 
----------------------------------------------------------------------------------------------------------------
$18,000........................      $16,700        39.59        24.35          20.76         15.30       100.00
28,400.........................       26,300        39.15        23.48          20.33         17.04       100.00
45,200.........................       41,900        38.74        22.66          19.94         18.66       100.00
----------------------------------------------------------------------------------------------------------------

    Runzheimer further sorted Goods & Services into ten categories and 
used linear regression techniques to provide ratios of renters to 
homeowners at each income level. Statistics on these component 
groupings appear later in this report.

2.2  General Formulae and Applications

    An ```index'' is a mathematical way to compare one price (or set of 
data) with another. For example, if a price index for a can of green 
beans is 110, that means that a can of green beans costs 10% more in 
the pricing area (i.e., allowance area) than in the reference area 
(i.e., the Washington, D.C., area).
    Runzheimer computed indexes for hundreds of items. To combine these 
indexes, Runzheimer applied weights from the CES that reflected the 
relative amount consumers normally spend on the items. For example, the 
price of a can of green beans has a lower weight than the price of a 
pound of apples because, according to the CES, people generally spend 
less on canned green beans than on apples.
    Runzheimer employed an indexing methodology known as Laspeyres to 
derive total cost indexes for each of three income levels and for each 
costed location. As applied to living-cost research, the Laspeyres 
index reflects the expenditure patterns of the people in the reference 
area (i.e., the Washington, D.C., area) to weight the prices. Because 
detailed CES data by income level are not published for the Washington, 
D.C., area, Runzheimer used nationwide CES data to compute weights. 
Consequently, Runzheimer did not technically apply the Laspeyres index 
methodology in its pure form. Nevertheless, Runzheimer firmly believes 
that this nuance does not invalidate the price comparisons presented in 
this report.
    As described in the example above and in greater detail in sections 
3.2 and 6.2, Runzheimer applied the Laspeyres methodology to compute 
price indexes for the Goods & Services and the Miscellaneous Expenses 
components, respectively. For the Transportation and the Housing 
components, Runzheimer used a combination of a cost-build-up approach 
and the Laspeyres methodology to compute component indexes.
    In conformance with section 591.205(c), title 5, Code of Federal 
Regulations, Runzheimer followed a five-step process to derive the 
overall total indexes for each allowance area. First, Runzheimer used 
the CES data and the income ranges described in section 2.1.2.4 above 
to derive the amount of money consumers typically spend on each 
component at each income level. These amounts appear in the table below 
and in Appendix 14.

                                               Typical Consumer Expenditures by Income Level and Component                                              
--------------------------------------------------------------------------------------------------------------------------------------------------------
                       Income level                         Goods & services       Own/rent        Transportation         Misc.              Total      
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower....................................................             $7,126             $4,383             $3,737             $2,754            $18,000
Middle...................................................             11,119              6,668              5,774              4,839             28,400
Upper....................................................             17,510             10,242              9,013              8,434             45,200
--------------------------------------------------------------------------------------------------------------------------------------------------------
Note: Values may not total because of rounding.                                                                                                         

    Second, for each allowance area, Runzheimer multiplied the values 
above by the component indexes for the allowance area. Because the 
Housing component consisted of two indexes (one for owners and another 
for renters), we produced two sets of total relative costs--one for 
owners and another for renters.
    Third, for each allowance area and income level, Runzheimer 
combined the total relative costs for owners and renters using the 
proportion of owners and renters as identified in the CES to weight the 
costs. (See section 4.2.1) This produced an overall, average, relative 
living cost at each income level in each allowance area.
    Fourth, for each allowance area, the overall, average relative 
costs by income level were combined using federal employment weights 
based on the employment at each income level in the allowance area. 
Applying the same allowance-area employment weights, Runzheimer 
computed an overall, average cost for the reference area.
    The last step was to divide the overall, average relative cost for 
the allowance area by the overall, average cost for the reference area 
to produce the final index. (See Appendix 14 for the calculations for 
each index.)

2.3  Data Collection Process

    As noted earlier, Runzheimer obtained price information on over 
12,000 items from over 3,000 outlets. To accomplish this important 
research effort, we selected the most efficient and effective 
information-gathering approaches possible. This section describes the 
various approaches.
2.3.1  In-house Research Staff
    Runzheimer research personnel at its corporate headquarters in 
Rochester, Wisconsin, played a major role in all data-collection 
activities. These professionals:
     Contacted manufacturers, trade associations, governmental 
agencies, and retail establishments to ensure that suitable items were 
selected and priced;
     Contacted professionals in the real estate business in 
each of the costed locations to obtain general information as well as 
specific rental rates and home market values;
     Conducted pricing surveys on site and by telephone for 
many items;
     Served as a liaison for field researchers;
     Performed hundreds of quality control checks in 
conformance with editing rules communicated by Runzheimer to OPM once 
the data had been collected (these checks often involved verification 
of the survey data through telephone calls as well as comparing current 
data-gathering results with those from the 1992-1993 survey); and
     Analyzed and computed the category, component and total 
comparative cost indexes.
2.3.2  Field Researchers--``Research Associates''
    Collection of most price data was best accomplished through 
personal visits to retail outlets (e.g., grocery, clothing, 
automobiles). For these activities, Runzheimer hired residents of each 
allowance area as independent contractors (``research associates''). 
For years, when measuring living costs for its clients, Runzheimer has 
applied this approach to data collection in over 80 countries 
worldwide.
    To avoid any real or perceived conflicts of interest, Runzheimer 
did not hire persons as research associates who were either employees 
of the federal government, or who had immediate family who were 
employees of the federal government.
2.3.3  On-site Visits by Runzheimer Research Personnel
    Full-time Runzheimer research professionals travelled to selected 
allowance areas to supervise data-collection activities and perform 
various quality-control checks on the data as necessary. Each such 
visit occurred during the pricing period.
    The researchers visited living communities within the allowance 
areas to look at housing accommodations personally and to talk with 
local real estate professionals. They also visited numerous retail 
outlets to verify item quality, selection and price levels in general.
    In addition, these researches met with Runzheimer's research 
associate(s) to answer any data-collection questions and to provide any 
additional training and instruction as necessary.

2.4  Editing and Quality Control Procedures

    Runzheimer's experience in measuring living-cost differences 
enabled us to establish editing and quality-control procedures at all 
stages of collecting and analyzing data. All data provided by research 
associates were manually reviewed by analysts prior to being entered 
into Runzheimer's computer system. Data elements were subsequently 
checked through software programs.
    Federal regulations in section 591.205(b)(1)(i), title 5, Code of 
Federal Regulations, state that, ``Whenever possible, exact brands and 
models are priced in each location.'' Every effort was made to satisfy 
this objective. (See section 3.3 for a discussion of brand and model 
selection.) Nevertheless, in a number of the allowance areas, the exact 
brands and models were either not readily available or not available at 
all. In these instances, editing decisions and substitutions were 
needed.
    Runzheimer defines ``editing'' as the removal and/or replacement of 
a price quote based on consistent and logical criteria. In all areas, 
Runzheimer was concerned that items of lesser or greater quality than 
the item specified might inadvertently be included in the analysis and 
bias the results. Therefore, any price quote that varied significantly 
from other price quotes for the item was flagged, verified, and if 
necessary, eliminated from the analysis.
    Removing an item from a location analysis causes redistribution of 
its weight to other items in its subcategory (or category when no 
subcategory exists). Consequently, whenever possible, Runzheimer 
avoided removing an unpriced item from a location analysis. When the 
review process revealed a missing price for an item, Runzheimer 
resurveyed to obtain a price wherever possible.

2.5  Pricing Surveys in Hawaii County, Puerto Rico, and the Virgin 
Islands

    Three allowances areas have multiple survey areas within each 
allowance areas. The three allowance areas are Hawaii County, Hawaii; 
Puerto Rico; and the U.S. Virgin Islands. For each of these areas, OPM 
provided Runzheimer GS employment distribution data based on the 
moving-average approach described in section 2.1.1.
    In the Hawaii County allowance area, two areas are surveyed: Hilo 
and Kailua Kona. The OPM data indicated that approximately 82% of the 
GS employees worked in the Hilo area, and the remaining 18% worked in 
the Kailua Kona area. To combine prices from both cities, Runzheimer 
used approximately an 82% Hilo and 18% Kailua Kona weighting. (See 
Appendix 13.)
    Similarly, in the Puerto Rico allowance area, two areas are 
surveyed: Mayaguez and San Juan. The OPM data indicated that 
approximately 84% of the GS workforce in Puerto Rico work at facilities 
within or near the San Juan-Caguas-Areciro Consolidated Metropolitan 
Statistical Area. The remaining 16% is distributed throughout Puerto 
Rico without any particular concentration. However, more of these 
remaining employees generally appeared to live closer to Mayaguez than 
any other large Puerto Rican city. Therefore, with OPM's approval, 
Mayaguez was chosen for the survey. To combine the prices from both 
cities, Runzheimer used approximately an 84% San Juan and 16% Mayaguez 
weighting.
    As noted earlier, this year OPM asked Runzheimer to combine survey 
data from St. Croix and St. Thomas, Virgin Islands. The same approach 
used in Hawaii County and Puerto Rico was applied to the Virgin Islands 
data. OPM's data indicated that approximately 46% of the GS employees 
worked on St. Croix, and that the remaining 54% worked on St. Thomas 
and St. John. Therefore, to combine the prices from these areas, 
Runzheimer used approximately a 46% St. Croix and 54% St. Thomas/St. 
John weighting.

2.6  Surveying the Washington, DC, Area

    OPM defined the Washington, DC., area in the federal regulations as 
the Washington DC-MD-VA Metropolitan Statistical Area. Because federal 
employees who work in this area reside in Virginia, in Maryland, and in 
the District of Columbia, Runzheimer selected retail outlets and living 
communities from all three. Runzheimer's model gave equal weight to the 
average prices in each geographic area.
    Because of the size and diversity of the Washington, D.C., area, 
Runzheimer conducted substantially more pricing surveys there than in 
other areas. For the Goods & Services component, Runzheimer generally 
surveyed to obtain six times as many price quotes in the Washington, 
D.C., area as in the typical allowance area. For the Housing, 
Transportation and Miscellaneous Expense components, data collection 
was generally triple that of the typical allowance area.

3. Consumption Goods & Services

3.1  Component Overview

    Based on the CES data, the Goods & Services component consisted of 
ten categories of family expense:

Food at Home
Food Away from Home
Tobacco
Alcohol
Furnishings & Household Operations
Clothing
Domestic Services
Professional Services
Personal Care
Recreation

    To aid in quality control and analysis of future pricings, 
Runzheimer further subdivided four of the largest categories--food at 
home, furnishings and household operations, clothing, and recreation--
into subcategories. Specific examples of products and services from 
these four subdivided categories can be found below. These examples 
only represent a minor portion of the total number of items (products 
and services) Runzheimer priced within each subdivided category. (See 
Appendix 2 for a complete description of all marketbasket items.)

 Examples of Subcategories and Items Surveyed in the Four Major Goods & 
                          Services Categories                           
Goods and               Subcategories and items surveyed (examples)     
 services                                                               
 category                                                               
                                                                        
------------------------------------------------------------------------
Food at Home....  Meats              Cereals & Breads   Groceries.      
                  Pork Chops         Cookies            Coffee.         
                  Whole Chicken      Spaghetti          Ketchup.        
                  Ground Beef        Cake               Margarine.      
                  Dairy              Fruits &                           
                                      Vegetables                        
                  Milk               Apples                             
                  Cheddar Cheese     Frozen Peas                        
                                     Fresh Oranges                      
Furnishing and    Services           Furniture          Misc. Household 
 Household                                               Eqpt.          
 Operations.                                                            
                  Appliance Repair   Living Room Chair                  
                  Supplies           Major Appliances   Hammer.         
                  Toilet Tissue      Kitchen Range      Electric Drill. 
                  Laundry Soap       Refrigerator       Lawn Trimmer.   
                  Household          Housewares &                       
                   Textiles                                             
                  Bath Towel         Small Appliance                    
                                     Two-slice Toaster                  
Clothing........  Men's and Boy's    Infant's                           
                  Boy's Jeans        Disposable                         
                                      Diapers                           
                  Man's Jeans        Footwear                           
                  Women's and        Man's Shoes                        
                   Girl's                                               
                  Woman's Slacks     Apparel Products                   
                                      and Services                      
                  Girl's Blouse      Coin Laundry                       
                  Girl's Jeans                                          
Recreation......  Fees and           TV, Radio and      Entertainment.  
                   Admissions         Eqpt                              
                  Bowling            Video Rental       Board game.     
                  Golf               Pets               Reading.        
                                     Pet Food           Magazine.       

    From its ten categories of expense (which include the four 
subdivided categories above), Runzheimer selected a marketbasket of 
items on which to base its goods and services analysis. A 
``marketbasket'' is a selected group of products and services that 
represent hundred or even thousands of other items. Pricing every item 
available to consumers in a given locale would be unnecessary and 
inefficient.
    Runzheimer selected typically purchased items and weighted these 
according to their relative importance in terms of consumer expenditure 
patterns. Each marketbasket item represented a specific group of 
related expense items. Using CES data, we determined the relative 
importance (weight) of each item. We compared the average price of each 
marketbasket item in each allowance area with the average price in the 
Washington, D.C., area. The price differences (expressed as indexes) 
were aggregated based on the item, subcategory and category weighting, 
resulting in a total Goods & Services component index at each income 
level.
    In 1991, OPM directed Runzheimer to include catalog pricing 
(including applicable shipping costs) to reflect this common purchasing 
option in allowance areas. OPM identified items to survey based on 
comments received on the 1990 survey. Runzheimer identified items to 
survey that were either unavailable or difficult to find in each 
allowance area. Together, OPM and Runzheimer agreed to survey five 
marketbasket items by catalog: For the 1992-1993 survey, OPM asked 
Runzheimer to survey additional items by catalog; for example, 
furniture. For this year's survey, Runzheimer has added additional 
catalog items. For the 1992-1993 survey, Runzheimer found that the cost 
to ship certain catalog items to Guam varied between catalog outlets. 
With OPM's approval Runzheimer continued to price a private freight 
company that specializes in shipments to Guam for shipping costs.
    In each survey area, Runzheimer generally requested three price 
quotes for each item (and sometimes more than three) from the local 
economy--one from each of three different outlets. It should be 
remembered that Hawaii County, Hawaii; Puerto Rico; and the Virgin 
Islands each have two separate survey areas. Therefore, Runzheimer 
generally doubled the number of price quotes obtained in these 
allowance areas.

3.2  Marketbasket Research

3.2.1  Expenditure Research--Category Weightings
    Ruzheimer tabulated the expense data from the 1988 Consumer 
Expenditure Survey according to the ten categories of goods and 
services. As in the component analysis, Runzheimer used the expense 
data from the seven most appropriate income ranges as input into a 
linear regression analysis. From that analysis, Runzheimer calculated 
the category weightings for each income level as listed belows:

             Category Weightings Expressed as a Percentage              
------------------------------------------------------------------------
                 Category                    Lower     Middle     Upper 
------------------------------------------------------------------------
Food at Home..............................     25.52     22.38     19.35
Food Away from Home.......................     15.95     16.09     16.23
Tobacco...................................      3.13      2.54      1.96
Alcohol...................................      2.92      2.79      2.67
Furnishings & Hsld. Op....................     14.35     15.95     17.49
Clothing..................................     14.24     14.93     15.59
Domestic Service..........................      1.78      1.79      1.81
Professional Services.....................      5.77      5.84      5.91
Personal Care.............................      3.57      3.47      3.38
Recreation................................     12.77     14.22     15.61
                                           -----------------------------
Totals....................................    100.00    100.00    100.00
------------------------------------------------------------------------

3.2.2  Expenditure Research--Subcategory and Item Weightings
    Runzheimer also drew upon the expense data from the 1988 CES to 
determine proper subcategory and item weightings and to identify 
marketbasket items. Logical groupings of family expenditures provided 
the basis for subcategory and item weights. Unlike category weightings, 
which vary by income level, subcategory and item weightings are 
computed from national aggregate expenditures only (i.e., all three 
income levels used the same set of subcategory and item weightings) as 
this approach is most common in similar public and private sector cost-
of-living analyses.
    Runzheimer's expenditure research process included procedures to 
ensure that no marketbasket item had an overwhelmingly large or 
insignificantly small item weighting.

3.3  Marketbasket Item Specifications

    From each logical expense grouping, Runzheimer selected one or more 
marketbasket items to represent all items in the grouping. When 
selecting specific items for the marketbasket, Runzheimer worked to 
satisfy these three criteria:
     Items should be readily available in all locations if 
possible or should be items of local significance.
     Item price levels should logically represent the price 
levels of unselected items in the ``logical grouping.''
     Items should have the same or nearly the same application 
in all locations.
    Appendix 2 lists Runzheimer's marketbasket items. Once an item was 
selected, Runzheimer's research analysts identified the specific brand 
and/or model/size of each item available in all (or most) locations. 
For some items, this involved contacting manufacturers, trade 
associations, retail establishments, etc. For other items, isolating 
specifications was quite straight forward because of their nature 
(e.g., bread, nonprescription pain reliever). Appendix 3 identifies 
changes in the current items selected for pricing in the Goods & 
Services, Miscellaneous Expense, and Housing Related categories, along 
with explanation for the changes.
3.3.1  Exchange and Commissary Expenditure Research
    Runzheimer used the same marketbasket items to price commissaries 
and exchanges as were used for the local pricings. We obtained one 
price quote for each marketbasket item surveyed in these facilities.
    Runzheimer did not assume that people with access to military 
facilities made all purchases in these facilities. Instead, we used 
OPM's 1980 Living Pattern Survey of federal employees to determine the 
percentage of purchases that families typically make in military 
facilities versus local outlets. For example, as the following table 
shows, in Honolulu, 52.7% of Food at Home is purchased at a PX or 
commissary. These percentages were used to aggregate the local and 
commissary/exchange prices into one set of appropriate blended prices. 
(The blended prices were compared to the local prices in the 
Washington, DC, areas just as each allowance area's local prices were.)

            Percentages of Purchases Made at PX/Commissaries            
------------------------------------------------------------------------
                                                 Allowance Areas        
               Category                 --------------------------------
                                           Guam     Honolulu   San Juan 
------------------------------------------------------------------------
Food at Home...........................       70.0       52.7       29.1
Food Away..............................        0.0        0.0        0.0
Tobacco................................       64.0       84.0       65.0
Alcohol................................       76.0       73.0       64.0
Furn. & Hsld. Op.......................       64.5       44.2       32.7
Clothing...............................       43.7       34.0       10.7
Domestic Service.......................        0.0        0.0        0.0
Professional Services..................        0.0        0.0        0.0
Personal Care..........................       49.3       33.3        7.3
Recreation.............................       49.7       32.7      15.7 
------------------------------------------------------------------------

3.4  Goods & Services Data Collection Procedures

3.4.1  Data Collection Materials
    The living-cost surveys conform with the provisions of the 
Paperwork Reduction Act and are approved by the Office of Management 
and Budget (OMB).
    Runzheimer collected data with OMB-approved data collection 
materials (see Appendix 5). All Runzheimer-developed worksheets 
conformed to the OMB-approved materials.
3.4.2  Outlet Selection
    Proper outlet selection is crucial to measuring living-cost 
differences accurately because misjudgment can seriously affect survey 
results. Runzheimer paid particular attention to choosing appropriate 
outlets, focusing on three key guidelines to ensure proper outlet 
selection.
    First, for areas that had numerous outlets from which to choose, 
Runzheimer identified targets in several different geographic areas. 
For example, in the Washington, D.C., area, Runzheimer selected outlets 
in and around six different geographic areas: that is, two areas in 
Virginia, two in Maryland and two in the District of Columbia.
    Runzheimer's second guideline was that for any one marketbasket 
item, all outlets be similar in type. For example, wherever possible, 
Runzheimer surveyed the prices of blue jeans at department stores, 
hammers at hardware stores, and refrigerators at appliance stores. 
Gathering prices for the same item from hardware stores in one area and 
discount stores in another could have distorted price comparisons.
    The last guideline involved the diversity of outlets in 
Runzheimer's sample. We believe that pricing different items in 
different types of outlets more accurately portrays living-cost 
differences. For example, for efficiency, Runzheimer could have priced 
all clothing items in department stores. However, to incorporate price 
levels at other types of outlets that sell clothing items, whenever 
possible, Runzheimer surveyed some items in men's and women's clothing 
stores, some items in department stores, other items in shoe stores and 
still other items in discount department stores.
    Runzheimer's research analysts selected outlets on the basis of:
     Personal experience of Runzheimer on-site research 
associates and travelling researchers;
     Informal telephone interviews with knowledgeable residents 
in each area;
     Yellow pages sections of area telephone books;
     Area chambers of commerce and information bureaus; and
     Experience gained from other surveys conducted by 
Runzheimer.
    Runzheimer obtains outlets from various sources because no one 
source lists all outlets available. For example, in the allowance areas 
especially, many outlets choose not to advertise in the yellow pages.
    With new businesses constantly appearing (and old ones 
disappearing), outlet selection will be an ongoing process. Also, one 
can expect a portion of outlets to refuse to participate every year. 
Therefore, updating Runzheimer's outlet sample is a necessary and 
important part of each pricing survey.
    An example of refining outlet selection for this year's survey is 
the attention paid to defining the distinguishing differences between 
restaurants categorized as appropriate for family dining and those 
appropriate for fine dining. OPM developed a matrix which defined such 
characteristics as menu selections, atmosphere, table setting, seating, 
reservations, and AAA ratings. This allowed Runzheimer researchers to 
compare apples to apples between the allowance areas and the 
Washington, D.C., area. Also, OPM established guidelines directing 
Runzheimer to survey 100% family restaurants for breakfast, roughly 75% 
for lunch, and roughly 66% for dinner.
3.4.3  Special Considerations in Guam and Kauai
    The effects of Typhoon Omar and Hurricane Iniki in 1992 on the 
economies of Guam and Kauai, respectively, has been minimal over the 
long term. At the time, Runzheimer officials worked with local research 
associates to determine the impact of the storm on local prices.
    This is not to say that the storms had no effect on the local 
economies. Indeed, prices in these two areas for the 1993-1994 survey 
have been re-examined carefully.
    Of equal concern this year was the earthquake that rocked Guam 
during August, causing considerable damage and seriously disrupting the 
flow of fresh produce into the island. For a period of about two weeks, 
all such produce had to be flown in at considerably higher cost. 
Fortunately, when normal shipping channels reopened, ``normal'' pricing 
was quickly restored, causing negligible affect on the Goods & Services 
pricing. Also, a senior Runzheimer researcher from the headquarters 
office traveled to Guam immediately following the earthquake to 
determine the full extent of the impact on goods and services pricing.

3.5  Inclusion of Sales and Excise Taxes

    For all items subject to sales tax, the appropriate amount of tax 
was added prior to analysis. Runzheimer also included all applicable 
sales, property and excise taxes to items that were part of other 
living-cost components. For example, automobile purchase costs in 
Puerto Rico include an excise tax based upon vehicle type and dealer's 
acquisition cost. Runzheimer included this tax in computing the total 
purchase price of a vehicle in Puerto Rico. (See sections 5.2.1 and 
5.2.7.)
    Runzheimer gathered applicable information on taxes by contacting 
appropriate sources of information in the allowance areas, such as the 
Excise Tax Officer of the St. Thomas Bureau of Internal Revenue. 
Runzheimer also drew upon appropriate tax publications, such as the 
State of Maryland's Sales and Use Tax Laws and Regulations and the 
``General Excise Tax Law'' (Chapter 237) of the Hawaii Tax Reports.

3.6  Goods & Services Survey Results

    In section 2.2 of this report, Runzheimer presented a detailed 
explanation of the economic model used to analyze the price data. As it 
applies to Goods & Services, the approach involved comparing the 
average prices of marketbasket items in each allowance area with those 
in the Washington, D.C., area. The resulting price ratios were 
aggregated into subcategory and then category indexes using the 
expenditure weightings derived from the 1988 CES.
    In the area of professional services (accounting and legal fees), 
Runzheimer and OPM noted the existence of a relatively few extreme 
values that were either exceptionally low or high cost. In situations 
such as this, statisticians frequently use the median or trim the data 
in some manner to enhance reliability. Consequently, Runzheimer 
recommended that the observations be ranked from low to high and that 
the top and bottom 20% of the observations be ``trimmed'' (i.e., 
eliminated) from the data before averages or trends were calculated. 
(Data were not trimmed if there were four or fewer observations.) OPM 
agreed. These procedures reduce the influence of anomalies and make 
survey results more stable from one year to the next.
    Appendix 4 contains tables showing the ten category indexes, the 
three weighting patterns, and the three total consumption Goods & 
Services indexes for each allowance area. The Washington, D.C., area 
does not require a table because it is, by definition, ``the reference 
location'' where all category and component indexes equal 100.

4. Housing

4.1  Component Overview

    The Housing component consists of expenses related to owning or 
renting a dwelling. These include:
     mortgage or rent payments,
     utilities,
     real estate taxes,
     homeowner's or renter's insurance,
     home maintenance, and
     telephone.
    At each of the three income levels, Runzheimer measured annual 
housing costs under the two main housing categories: ownership and 
rental.

4.2  Housing Model

4.2.1  Expenditure Research
    Section 2.1.2.4 describes how Runzheimer analyzed the 1988 CES to 
identify the portion of expenses attributable to each of the four 
components. Runzheimer also used this survey to determine the national 
average ratio of families who own, as opposed to rent, their 
residences. Using the expense data from the seven most appropriate 
income ranges as input into a linear regression analysis, Runzheimer 
calculated own and rent weights:

                           Own/Rent Weightings                          
------------------------------------------------------------------------
                                               Income Levels            
                                  --------------------------------------
             Category                 Lower        Middle       Upper   
                                    (percent)    (percent)    (percent) 
------------------------------------------------------------------------
Homeowner\1\.....................        37.10        46.91        62.86
Renter...........................        62.90        53.09        37.14
                                  --------------------------------------
    Totals.......................       100.00       100.00       100.00
------------------------------------------------------------------------
\1\With mortgage.                                                       

    Runzheimer excluded expenditure data for homeowning families 
without a mortgage because they were not typical of homeowners in the 
base area or in the allowance areas with the largest concentrations of 
federal employees.
    The 1988 CES was also used to identify which home-maintenance items 
to price and to establish the relative importance of those items.
4.2.2  Development of Housing Profiles
    To compare housing costs accurately in all locations, Runzheimer 
constructed a model to measure housing costs under six different 
circumstances; that is, we identified six typical housing profiles and 
matched these profiles to three income levels, as shown in the table 
below. Runzheimer and OPM agreed that at least one criterion for the 
owner profile should be the square footage of the home and at least one 
criterion for the renter profile should be the number of bedrooms in 
the rental unit. The profiles for homeowners and renters are:

                            Housing Profiles                            
------------------------------------------------------------------------
        Income level             Renter profile         Owner profile   
------------------------------------------------------------------------
Lower.......................  3-1-1 600\1\ sq. ft.  4-2-1 900 sq. ft.   
                               apt..                 Condo or detached  
                                                     house.             
Middle......................  4-2-1 900 sq. ft.     5-3-1.5 1,300 sq.   
                               apt..                 ft. detached       
                                                     house\2\           
Upper.......................  4-2-2 or 5-3-2 1,100  7-3-2 1,700 sq. ft. 
                               sq. ft. townhouse     detached house.    
                               or detached house.                       
------------------------------------------------------------------------
\1\Defined as ``Total rooms--Bedrooms--Baths and representative size.'' 
  Total rooms excludes bathrooms, hallways, entrance areas, and closets 
  but includes bedrooms, living room, family room, kitchen, formal      
  dining room, and den/study. The representative size is roughly the    
  midpoint size for the range of housing surveyed at the income level.  
\2\Row houses may be used in Northeast Washington, DC, where the        
  availability of single family detached homes is limited.              


4.2.3  Living Community Selection
    Runzheimer surveyed the same living communities and data sources 
for the summer 1993 survey as it did for the 1992-1993 study with the 
following exceptions:
     broadened the housing survey for St. Croix, Virgin 
Islands;
     gathered comparable home-sale data from additional 
appraisers in selected points in Maryland;
     arranged for additional data sources for comparable home 
sales at the upper income level in San Juan;
     added a new on-line data source for comparable home-sale 
prices for all the islands of Hawaii.
    To gather data, our researchers contacted real estate brokers, 
residential appraisers and other knowledgeable real estate 
professionals in each area to obtain information on the predominant 
age(s), size(s) and type(s) of housing in various communities and 
housing subdivisions. When available and appropriate, Runzheimer 
identified at least six communities (two at each income level) in each 
allowance area. However, this goal was not achievable in some of the 
smaller allowance areas. For the Washington, D.C., area, Runzheimer 
selected at least nine communities (three at each income level) in 
which to gather renter and homeowner data.
    A table of living communities used for pricing can be found in 
Appendix 6.
4.2.4  Identification and Quantification of Housing-Related Expenses
    From the 1988 CES, Runzheimer identified and categorized housing-
related expense items into one of five groups:
     utilities,
     real estate taxes,
     owners/renters insurance,
     maintenance, and
     telephone.
4.2.4.1  Utilities
    For this study, Runzheimer classified electric, heat (oil or gas), 
water and sewer as utilities. Although most utility companies had ready 
access to current charges per unit of consumption and average 
consumption patterns for all households, very few (if any) separated 
consumption patterns by number of family members in a household or by 
size/type of accommodation.
    Runzheimer focused on average annual consumption experience per 
household, gathering this information from utility companies serving 
each allowance area and the Washington, D.C., area. Combining this 
consumption data with current utility rates, Runzheimer computed 
average annual utility costs for each of electric, gas or oil 
(whichever Runzheimer found to be more widely used, if used at all), 
water and sewer. Runzheimer then assigned this average consumption 
pattern to the homeowner profile at the middle income level.
    Because some utility costs vary by size of house and yard, 
Runzheimer calculated a multiplier consistent with the standard home 
sizes to arrive at utility rates for the other five profiles. The table 
below shows the standard sizes and utility factors for each profile. 
The standard sizes roughly equate to the reference size of each 
profile. The formula to calculate each multiplier was:
    Multiplier = 1+(.5  x  (Standard square feet--1300)/1300)
    The resulting utility multipliers are:

                                               Utility Multipliers                                              
----------------------------------------------------------------------------------------------------------------
                                                 Renter profile                         Owner profile           
            Income level             ---------------------------------------------------------------------------
                                         Square feet         Multiplier        Square feet         Multiplier   
----------------------------------------------------------------------------------------------------------------
Lower...............................                600                .73                900                .85
Middle..............................                900                .85              1,300               1.00
Upper...............................              1,100                .92              1,700               1.15
----------------------------------------------------------------------------------------------------------------

4.2.4.2  Real Estate Taxes
    For this study, Runzheimer contacted the city assessor in each 
allowance area to obtain real estate tax information on the selected 
living communities. (See Appendix 6 for a listing of the communities.) 
Real estate tax formulas were obtained for most living communities; 
however, Runzheimer's researchers found that in San Juan, PR, the 
formulas do not always translate into the actual taxes paid by typical 
property owners.
    Therefore, in San Juan, Runzheimer undertook a comparative study of 
current actual taxes paid by homeowners and their current home values. 
Runzheimer then developed an average ratio for taxes paid to current 
home values. This ratio was applied to the average home value in that 
community to obtain an average real estate tax amount for the desired 
homeowner profile.
4.2.4.3  Owners/Renters Insurance
    As it did for previous surveys, Runzheimer undertook to gather 
insurance-rate information for the allowance areas for both renter and 
owner profiles. These rates represent coverage for structure and 
contents for homeowners but contents only for renters.
    Previous research conducted by Runzheimer, at the request of OPM, 
found that insurance coverage for disasters, such as floods and 
earthquakes, is not commonly purchased by allowance area residents. 
Consequently, Runzheimer, with the concurrence of OPM, does not 
consider these additional riders. (See Report to OPM on Living Costs in 
Selected NonForeign Areas and in the Washington-D.C., Area, June 1992 
at 57 FR 58556). Runzheimer notes, however, that OPM is reviewing the 
results of the Federal Employee Housing and Living Patterns Survey as 
they apply to this issue.
4.2.4.4  Maintenance
    Many factors were involved in measuring the cost of maintaining a 
home, including area climate, architecture and building materials, and 
the cost of maintenance materials and labor. As it did for the previous 
survey, Runzheimer priced such household maintenance commodities as 
fire extinguisher, bathroom caulking and kitchen faucet. Pest control 
service was priced in each allowance area surveyed.
    Runzheimer developed maintenance costs based on the cost of 
maintenance materials and labor rates in each area. Runzheimer's 
approach to maintenance was the same as the approach to goods and 
services, as explained below.
    Runzheimer used expenditure data from the 1988 CES to identify the 
national average home-maintenance expense, the maintenance items to 
survey, and the appropriate item weighting. Because most, if not all, 
maintenance items were included in rent, maintenance costs were not 
added in the three renter profiles.
    To compute home-maintenance cost differences between each allowance 
area and the Washington, DC, area for the homeowner profiles, 
Runzheimer obtained prices for selected building materials and labor 
rates for maintenance work. For each area, Runzheimer computed the 
relative cost (i.e., an index) for each maintenance item compared to 
the cost of that item in the DC area. As with Goods & Services, the 
results of the nationwide CES were used to weight these maintenance 
indexes into an overall index for each area.
    To combine maintenance indexes with the other homeowner costs, 
which were expressed in dollar amounts, Runzheimer converted the 
indexes to dollars. To do this, Runzheimer multiplied the maintenance 
cost index for each area by the CES nationwide average maintenance cost 
and assigned that cost to the middle-income homeowner profile.
    Logically, maintenance costs for larger homes would be greater than 
costs for middle-sized homes, while costs for smaller homes would be 
less. Therefore, in this study, Runzheimer applied the same homeowner 
multipliers used in the utilities model for the lower and upper income 
profiles (.85 and 1.15 respectively) to recognize differences in 
maintenance costs due to house size.
4.2.4.5  Telephone
    Telephone expenses consisted of local service charges, possible 
additional charges for local calls, and charges for long distance 
calls. To measure estimated expenses for local service and local calls, 
where available, Runzheimer surveyed the cost of touch-tone service 
with unlimited calling.
    To estimate long distance charges in all areas, Runzheimer surveyed 
the cost of three ten-minute direct dial calls per month to large U.S. 
mainland cities (i.e., Los Angeles, Chicago, and New York City). 
Runzheimer measured the price of a call placed in the survey area at 
the time of day necessary to be received in the respective city at 8:00 
p.m. local time. In many areas, this resulted in pricing a combination 
of daytime and evening-rate calls.
4.3  Housing Data Collection Procedures
    As was done in previous years, Runzheimer collected housing 
information from a variety of sources. Also as in previous years, 
Runzheimer research personnel traveled to profiled communities in the 
allowance areas to observe first hand the comparability of homes in one 
area versus another and the appropriateness of individual housing units 
for the profiled income level.
    Last year, OPM modified the contract to require several additional 
steps to increase the quantity and quality of housing data collected. 
These extra steps were incorporated again this year and included 
purchasing data from additional real estate listing services, making 
greater use of assessor's records when other data were not available, 
and contacting more real estate professionals to obtain additional home 
sales, rental data, and market trend information.
4.3.1  Homeowner Data Collection
    In the homeowner data-gathering phase, Runzheimer obtained sale 
prices of homes (called ``comparable sales'') in the area that matched 
the housing profiles. In the communities that were identified (see 
section 4.2.3), Runzheimer tried to obtain all the comparable sales 
during the 6-month period prior to the date of the survey. For the 
surveys covered in this report, the home sales pricing period was 
January 1993 through July 1993.
    As was done last year, Runzheimer contacted knowledgeable and 
helpful real estate professionals in each location and/or used real 
estate sales data and listing services. The amount of data obtained 
depended on the number of home sales in the community and the 
availability of square footage and other information. This in turn 
depended on the size of the community, the economic conditions, the 
quality and quantity of the realty data available, and the willingness 
and ability of local realty professionals and assessor offices to 
provide data. If the comparable sales data obtained from the first data 
sources were insufficient, Runzheimer contacted additional data sources 
in the area to attempt to secure more sales data, if practical.
4.3.2  Renter Data Collection
    In some cases, the same Realtors and brokers who assisted in our 
profiling phase were very active in the rental markets as well. When 
this occurred, Runzheimer obtained current rental rates and fees for 
our profiled apartments, townhouses, and houses from these sources.
    Runzheimer also contacted rental management firms that operate 
apartment complexes matching the profile specifications. In large 
metropolitan areas, such as the Washington, D.C., area where rental 
complexes abound, our housing analysts conducted telephone surveys to 
obtain current rental information.
    OPM modified the contract last year to expand the level of effort 
that Runzheimer expended in the collection of housing data. The result 
both last year and this year was a marked increase in the quantity of 
housing data collected for both rentals and sales.
    Rental data were obtained from a variety of sources, e.g., brokers, 
property managers, newspaper advertisements, and others. Analyses of 
these data indicated that there are two separate rental markets--a 
broker market and a non-broker market. Rental rates and estimates 
provided by brokers generally exceed those obtained from other sources.
    In each area, the quantity of data obtained from either source-type 
varies significantly. Therefore, analyzing all of the rental data (both 
broker and non-broker) together for an area and income level is 
undesirable. Because OPM has no information on how federal employees 
who rent generally secure their lodgings, Runzheimer applied equal 
weights to the broker and non-broker data to compute the overall 
average rental rate for the area and income level. (See Appendix 9B.)

4.4  Housing Analysis

4.4.1  Homeowner Data Analysis
    One of the most important factors relating to the price of a home 
is the number of square feet of living space. For each income profile 
in each allowance area and the Washington, D.C., area, Runzheimer 
computed that average price per square foot for the comparables. Except 
as noted below, Runzheimer used this value times the reference square 
footage for the profile to determine the average home value for the 
profile.
    Runzheimer experienced difficulties in obtaining housing data in 
some areas. For example, despite several efforts to obtain more 
detailed information from various sources, Runzheimer was able to 
obtain very few comparable sales with square footage information for 
home sales in Mayaguez. Also, as noted earlier in this report, OPM 
elected to combine the St. Croix and St Thomas data to address concerns 
about the number of home-sale observations obtained in the Virgin 
Islands.
4.4.1.1  Data Trimming
    Based on experience from the previous home-pricing surveys, last 
year OPM modified the living-cost model as it applied to the analysis 
of housing data. The modifications allowed the use of housing costs 
trend data as well as current housing costs in the analysis of owner 
and renter living costs. These analyses are consistent with section 
591.205(b)(3) of title 5, Code of Federal Regulations, and result in 
improved housing data results.
    One of the modifications involves ``trimming'' the observations. 
Runzheimer and OPM noted that a relatively few extreme values (values 
that were either exceptionally low or high cost) could have a 
significant influence on the average housing costs observed at an 
income level within an area. Including these extreme values had the 
potential to cause results to vary erratically from one year to the 
next.
    In situations such as this, statisticians frequently use the median 
or trim the data in some manner to reduce its volatility. The use of 
the median home value was not desirable because some areas had 
relatively sparse data at one or more income levels. This could make 
the median unstable from one year to the next.
    Last year Runzheimer recommended, and OPM agreed, that the 
observations be ranked from low to high on the basis of the cost per 
square foot and that the top and bottom 20% of the observations be 
``trimmed'' (i.e., eliminated) from the data before averages or trends 
were calculated. (Data were not trimmed if there were four or fewer 
observations.) These procedures reduce the influence of home sales 
anomalies and make survey results more stable from one year to the 
next.
4.4.1.2  Special Considerations
    The new procedures also involved analyzing data in a more thorough 
and integrated manner. The procedures required analyzing the current 
housing survey data, analyzing the trends observed when these data were 
compared with the previous survey's data, and comparing these trends 
with the views obtained from real estate professionals in the area. How 
and which data were used depended on the quality and quantity of data 
collected and how the trends observed agreed among income levels and 
with the views of local real estate professionals. These procedures are 
discussed below.
    Runzheimer sought to gather all of the appropriate comparable sales 
data available in each area. As a minimum, Runzheimer sought to obtain 
10 Realtor sales per community per income level or 20 per income level 
per area. In many areas, the sales data exceeded the minimum.
    If the minimum number could not be obtained or if highly divergent 
trend data were observed among income levels in the area or as compared 
with the views of local real estate professionals, additional analyses 
were performed. These analyses were:
    1. If the current data were significantly better than the previous 
data (e.g., greater in quantity or more consistent), the current data 
were used to the extent practical.
    2. If at least three observations at each income level were 
available, and the previous data were better than the current data or 
the previous and current data were of equivalent quality, the change 
(i.e., trend) in the average price was used to update the previous 
data. This was done using one of the following procedures, depending on 
the situation:
    a. If data problems occurred at one income level only, the average 
rate of change at the other two income levels was used to adjust the 
previous prices for the affected income level.
    b. If data problems occurred in two income levels, the rate of 
change observed at the non-problem income level was used to adjust the 
previous prices for the two affected income levels.
    c. If data problems occurred at all income levels, the average rate 
of change observed at all three income levels was used to adjust the 
previous prices at all income levels.
    3. If fewer than three observations were available at any income 
and/or the data quality was questionable at all levels, all three 
levels of current and previous survey data were merged. These data were 
then analyzed by applying the procedures described in section 4.4.1.1 
above to each set of merged data, and the average cost per square foot 
was computed for each set of data and compared to estimate the overall 
change in the area. This overall change was applied to the previous 
average costs by income level to determine the current costs at each 
income level for the area.
    The areas for which these procedures were applied and the 
calculations used are found in Appendix 9A.
4.4.2 Rental Data Analysis
    Runzheimer assigned each rental quote data point to a single income 
level, based on these criteria:
     Assign one bedroom apartments to the lower income level.
     Assign two bedroom apartments to the middle income level.
     Assign townhouses and detached houses with a minimum of 
two bedrooms to the upper income level.
4.4.2.1 Data Trimming and Special Analyses
    In the analysis of rental data, Runzheimer applied the same 
procedures used to trim the home sales data (see section 4.4.1.1) 
except that data were ranked on the basis of monthly rental rates, not 
cost per square foot. Also, as with home sales analyses, special 
analyses were applied to rental data when the data where sparse or 
highly divergent trends were observed among income levels. These 
analyses were the same as those applied to home sales data (see section 
4.4.1.2) except that if data were merged, overall estimates were based 
on monthly rental rates, not the cost per square foot. (See Appendix 9B 
for these analyses.)
4.4.3 Analysis of Housing-Related Expenses
    Because section 4.2.4 covers the identification and quantification 
of housing-related expenses, these topics are not repeated here.
    However, it should be noted that Runzheimer incorporated home sale 
prices from this study into the calculations of real estate taxes and 
homeowner's insurance, which depend upon the value of the home.
4.5 Housing Survey Results
    In the above sections, Runzheimer describes how it measured the 
costs for maintenance, insurance, utilities, real estate taxes, rents, 
and homeowner mortgages. Appendix 7 shows the cost of each of these 
items, for renters and homeowners separately, in each allowance area 
and in the Washington, D.C., area. For Hawaii County, Hawaii; Puerto 
Rico; and the Virgin Islands, these costs are shown separately for each 
of the survey areas within the allowance area.
    Appendix 8 compares the total cost of these items in each allowance 
area with the total cost of the same items in the Washington, D.C., 
area. Again, there are separate comparisons for renters and homeowners.
    The final housing-cost comparisons take the form of indexes that 
are used in Appendix 14 to derive the total, overall index for owners 
and renters. (Refer to section 2.2 for a discussion of the general 
formulae and how the component indexes are combined.)

5. Transportation

5.1  Component Overview
    The Transportation component consisted of expenses related to 
private and public transportation. The private transportation category 
contained expenses related to owning and operating a vehicle in each 
area. The public transportation category focused on the cost of air 
fares from each location to a common point within the contiguous 48 
states.
    As in previous surveys, Runzheimer used national average 
expenditure data to combine the private and public transportation 
relative cost differences between each allowance area and the 
Washington, D.C., area to arrive at a total Transportation component 
index.
5.2  Private Transportation Methodology
    Runzheimer determined that an accurate and reasonable approach to 
measure transportation costs was to select and analyze three commonly 
driven vehicles (a domestic auto, an import auto and a utility vehicle) 
in all areas.
    New vehicles were the basis for developing the transportation-cost 
calculations. Although Runzheimer could have developed costs from the 
premise that ``identical'' used vehicle would be purchased from auto 
dealers in each location, Runzheimer believed that costing new vehicles 
reduced the potential for inconsistencies due to value judgments 
concerning used vehicles.
5.2.1  Vehicle Selection and Pricing
    As mentioned above, Runzheimer selected and priced a domestic auto, 
an import auto, and a utility vehicle as the basic vehicle types to 
cost in all locations. We based our selection of these vehicle types on 
their popularity in the United States as demonstrated by owner 
registration data.
    To select a specific make and model within each vehicle type, 
Runzheimer identified the top-selling models in each car class. For 
these models, Runzheimer's research associates collected new vehicle 
prices.
    At each auto dealership in the sample, Runzheimer recorded the 
suggested retail prices of the three vehicles plus any additional 
charges, such as shipping, excise tax, dealer prep, and additional 
dealer markup. Runzheimer used the suggested retail prices (not 
negotiated prices) in the analysis. Runzheimer also included 
documentation fees as part of the new-vehicle costs in Hawaii. 
Contacted dealerships explain that a documentation fee is charged on a 
new-car purchase to cover paperwork costs. Runzheimer did not include a 
fee for the Washington, D.C., area and other tropical areas because 
dealers in those areas do not typically charge a documentation fee.
    The three vehicles selected for analysis were:

Domestic Vehicle--Ford Taurus GL 4-door sedan 3.0L 6cyl
Utility Vehicle--Chevrolet S10 Blazer 4X4 2 door 4.3L 6 cyl
Import Vehicle--Honda Civic DX 4-door sedan 1.5L 4 cyl

    Runzheimer priced 1993 models in this survey. All vehicles were 
equipped with standard options, such as automatic transmission, AM/FM 
stereo radio and air conditioning.
    Car dealers in the Washington, D.C., area do not recommend vehicle 
rustproofing. However, it is suggested or recommended in allowance 
areas. Therefore, we include rustproofing as an add-on in all allowance 
areas, but not in the Washington, D.C., area.
5.2.2  Vehicle Trade Cycle
    Calculating the cost to own and operate a vehicle requires that two 
important factors be determined: miles driven and time period of 
ownership. In the automobile industry, these two factors are known 
collectively as a vehicle's ``trade cycle.'' The trade cycle is stated 
as a length of time either in months or years, and the total number of 
miles driven in that time period (e.g., four-year, 60,000-mile trade 
cycle). This information is required to compute annual costs related to 
fuel, oil, tires, maintenance and depreciation.
    Conforming with previous living-cost reports, Runzheimer used a 
four-year 60,000-mile trade cycle in all areas based upon the following 
information:
     The Internal Revenue Service has used this trade cycle for 
many years to compute the allowable cents-per-mile reimbursement rate 
for persons who drive their personal vehicle for business purposes.
     The four-year time period coincides with the typical 
length of a vehicle loan.
     U.S. Department of Energy statistics for 1988 show that 
the U.S. average for number of vehicles miles driven was: 18,595 per 
household and 10,246 miles per vehicle.
    Runzheimer has been unable to find conclusive statistics on average 
annual miles driven per vehicle in any allowance area. In the past, 
Runzheimer contacted car dealers to obtain their observations on 
average odometer mileage on trade-in vehicles.
    From the opinions gathered, we concluded that, in most cases, the 
average annual miles driven in allowance locations appeared to be less 
than or equal to 15,000. In the Washington, D.C., area, the opinions of 
those contacted indicated an average annual mileage of 15,000 or more. 
Therefore, without definitive statistics to prove otherwise, Runzheimer 
set a standard used in all reports to date of 15,000 miles per year, 
which results in a four-year, 60,000-mile trade cycle.
5.2.3  Fuel Performance and Type
    To establish average fuel-performance ratings, Runzheimer selected 
the ``city driving'' figures published by the Environmental Protection 
Agency (EPA). Runzheimer chose the ``city'' instead of ``highway'' 
figures because all locations contained considerable stop-and-go 
driving conditions. All vehicles included in this study used regular 
unleaded fuel. Runzheimer obtained self-service cash prices at branded 
stations only, and substituted full-service when self-service was not 
available or only non-branded stations were available.
    As in its second report to OPM, Runzheimer has included in its 
analysis a number of fuel-performance factors; specifically, 
temperature, road surface, and gradient. Based on our research of these 
three factors, Runzheimer analysts developed fuel-performance 
adjustment percentages in each allowance area.
5.2.3.1  Impact of Temperature upon Fuel Performance
    Runzheimer consulted two published sources to develop its 
adjustment percentages for this fuel-efficiency factor: Passenger Car 
Fuel Economy: EPA and Road and The Weather Almanac (Ruffner & Blair). 
Miles-per-gallon performance varies by ambient temperature. The lower 
the temperature, the fewer miles-per-gallon achieved and vice versa. In 
the EPA study, the temperature at which no adjustments to fuel 
performance occur is 77 deg. F. Below that temperature, miles-per-
gallon achieved drops; above 77 deg., miles-per-gallon achieved 
improves. To measure the effect temperature has on miles-per-gallon for 
each allowance area, Runzheimer research average monthly temperatures 
as reported in The Weather Almanac.
    In each location and for each month, Runzheimer assigned the 
appropriate shortfall factor from the EPA study based on the average 
monthly temperature for each given location. After assigning factors to 
each month, Runzheimer averaged the twelve factors for each location. 
The results of these calculations are shown in section 5.2.3.4.
5.2.3.2  Impact of Road Surface upon Fuel Performance
    For its analysis, Runzheimer assumed that federally controlled 
roadways are typically composed of concrete and/or high-load asphalt 
and that locally controlled roadways are typically composed of low-load 
asphalt. EPA's research indicates that cars are generally more fuel-
efficient on the firmer, high-load surfaces than on the softer, low-
load surfaces.
    Although traffic patterns and road usage certainly vary among 
areas, Runzheimer could find no relevant studies of these issues. 
Therefore, Runzheimer assumed that federally controlled roadways 
generally support twice the traffic of or are used at least twice as 
much as locally controlled roadways.
    In each allowance area, Runzheimer researched the total mileage 
falling into either the federal or local categories. For example, 
Hawaii contains 1,456 miles of federally controlled roads and 2,606 
miles of locally controlled roads. The usage assumption allowed 
Runzheimer to increase federal road mileage by a factor of two.
    Runzheimer applied the average low-load asphalt factor (which 
reflects dry, wet, and snowy conditions) to the local mileage 
percentage and the average concrete and/or high-load asphalt factor to 
the federal mileage percentage to create a weighted average factor for 
each area. The weighted factor for the allowance areas surveyed was 
0.98. The Washington, D.C., area was assigned a factor of 1.00 on the 
premise that the vast majority of traffic in that area travels on dry, 
high-load surfaces. (See section 5.2.3.4 for application of this factor 
in estimating overall MPG.)
5.2.3.3  Impact of Gradient upon Fuel Performance
    Runzheimer consulted EPA's Passenger Car Fuel Economy: EPA and Road 
to determine the effect of local topography (i.e. gradient) upon fuel 
efficiency. EPA provides mileage factors based upon various gradients 
ranging from less than 0.5% (essentially flat) to greater than 6% 
(steep).
    Runzheimer reviewed the topographic features of each area and found 
a wide range of road conditions. However, Runzheimer was unable to find 
information on the types of terrain drivers typically encounter in each 
area or the number of miles drivers travel in each type of terrain.
    Lacking such information, Runzheimer assumed that drivers in the 
allowance areas generally travel roads having approximately the same 
gradients that are found on average in the United States. Applying the 
information from EPA's research, Runzheimer computed a fuel-performance 
factor of 0.981 for this type of driving. This factor was assigned to 
each allowance area. Runzheimer assigned a factor of 1.00 to the 
Washington, D.C., area on the premise that the vast majority of traffic 
in that area travels on major freeways and highways that are relatively 
flat. (See section 5.2.3.4 for application of this factor in estimating 
overall fuel efficiency.)
5.2.3.4  Overall Impact upon Fuel Performance
    Runzheimer applied the results of the analyses described above to 
``localize'' or make geographically sensitive adjustments to the EPA 
average ratings and establish reasonable fuel-performance ratings for 
each allowance area.
    In the table below, the factor 1.00 means that no adjustment to EPA 
fuel performance is appropriate. A factor of less than 1.00 means that 
the estimated gasoline mileage in the area is less than the EPA 
average. For example, the total adjustment factor for Guam is 0.95. 
This means that the estimated gasoline mileage in Guam is 95% of the 
EPA estimated average. Note that the adjustment factor for the 
Washington, D.C., area (0.94) indicates that average gasoline mileage 
in that area is below the EPA estimate also.

                 Summary of Fuel-Performance Adjustments                
------------------------------------------------------------------------
                                              Road                      
           Location            Temperature   Surface  Gradient    Total 
------------------------------------------------------------------------
Hawaii.......................        0.99       0.98      0.98      0.95
Guam.........................         .99        .98       .98       .95
Puerto Rico..................        1.01        .98       .98       .97
Virgin Islands...............        1.01        .98       .98       .97
Washington, D.C..............         .94       1.00      1.00       .94
------------------------------------------------------------------------
Note: These adjustments compound. That is, the Total adjustment is the  
  result of multiplying the three individual factors together for each  
  location/area.                                                        

5.2.4  Vehicle Maintenance
    With OPM's concurrence, Runzheimer selected the five most common 
maintenance service/repair jobs performed on vehicles as the basis for 
vehicle maintenance analysis:
     tune-up,
     oil change,
     automatic transmission fluid change,
     flush/fill coolant, and
     muffler installation.
    Automobile manufacturers' recommended maintenance schedules were 
used to determine the frequency of performing each of these maintenance 
jobs. Maintenance schedules vary, depending on the driving conditions 
typically encountered. Consistent with the assumptions used for fuel 
economy and tire mileage, Runzheimer assumed that driving conditions in 
the allowance areas were generally severe and used the maintenance 
schedules that reflected that kind of driving. For the D.C. area, 
Runzheimer assumed that driving conditions were normal and used the 
maintenance schedules that reflected that kind of driving.
    The recommended frequency of performing each of these jobs was 
combined with the prices charged by local dealers and service stations 
to compute an estimated annual maintenance expense.
    For this year's survey, Runzheimer collected specific parts costs 
and hourly labor costs in each location, three prices per item, per 
location. Runzheimer used Chilton's Labor Guide and Parts Manual to 
determine service times for each maintenance procedure, and used only 
one service time per maintenance procedure. This will result in more 
uniform prices within each location.
5.2.5  Tires
    Research previously conducted by Runzheimer for OPM (see the June 
1992 report) revealed that various factors (e.g., road quality/state of 
repair, road composition) caused tread life (the average number of 
miles a tire is expected to last) to be less in allowance areas than in 
the Washington, D.C. area. Based on these findings, Runzheimer based 
tire expenses on a 40,000-mile tread-life in allowance areas, and a 
55,000-mile tread-life in the Washington, D.C., area.
5.2.6  License and Registration Fees, and Miscellaneous Tax
    Runzheimer obtained information regarding appropriate license and 
registration fees, and miscellaneous taxes (i.e., personal property tax 
and motor vehicle registration tax) from each area. One-time fees and 
miscellaneous taxes were divided equally over each vehicle's four-year 
trade cycle. Sales and excise taxes were included in the purchase price 
of each vehicle (see section 5.2.7.). Ongoing fees and taxes were 
included as part of the annual costs.
5.2.7  Depreciation
    From Runzheimer's experience, the single largest annual expense 
related to owning and operating newer vehicles is vehicle depreciation, 
the lost value of the vehicle as it ages and is driven. To calculate 
average annual depreciation, Runzheimer divides the difference between 
the purchase price and the residual value by the number of years the 
vehicle is owned.
    In the depreciation equation, Runzheimer used suggested retail 
prices, plus any additional charges, such as shipping, excise tax, 
dealer prep, and additional dealer markup. (Runzheimer did not believe 
that negotiated prices could be collected on an equitable basis.) As 
discussed earlier, the trade cycle was determined to be four years, 
60,000 miles. Runzheimer research indicated that residual values were 
the same in all areas. This research effort is explained below.
    Runzheimer is aware that several firms and associations track and 
publish weekly or monthly used-car and used-truck wholesale auction 
prices. Some firms even publish projections of the future value of 
today's new vehicles. Most publications provide several residual values 
for each vehicle, depending on its condition at the time of trade-in 
(e.g., clean, average, rough). Several common publications of this type 
are Black Book, Kelley Blue Book, Automotive Market Report, and NADA 
National Automobile Dealers Association). Unfortunately, these sources 
only track prices for vehicles sold in the contiguous 48 states and 
then publish broad-based average residual values for each vehicle.
    To get specific information from sources knowledgeable about the 
used vehicle markets in allowance areas, Runzheimer contacted auto 
dealers and financial institutions in these areas. Most of the sources 
with whom Runzheimer spoke said that they used the above-mentioned 
publications as guides, just as dealers and financial institutions 
across the United States used them.
    Runzheimer found no conclusive evidence that used vehicles in 
allowance areas were (on average) worth more or less than used vehicles 
in the Washington, D.C., area. Therefore, we reported the same used 
vehicle prices in all areas. An appropriate and logical source for 
these values was the April 1993 issue of Black Book Official Finance/
Lease Guide for 1993 vehicles.
    It should be noted for clarification that identical residual values 
did not translate into identical depreciation amounts in all locations. 
Depreciation amounts were higher in allowance areas than in the 
Washington, D.C., area because new vehicle prices in all allowance 
areas were higher. For example, new vehicle prices in Puerto Rico 
averaged 50% more than Washington, D.C., prices.
5.2.8  Finance Expense
    Runzheimer included the average annual cost of financing a vehicle 
in the total cost of private transportation. Runzheimer surveyed 
automobile dealerships in Puerto Rico and banks in all other areas for 
their auto-loan interest rates, using a 48-month loan length with 80% 
financing as the basis in all locations.
5.2.9  Vehicle Insurance
    Runzheimer measured the cost of auto insurance in each location. To 
determine the type of coverage to price, Runzheimer contacted insurance 
agents in each area to obtain information on the typical policy. Listed 
below are the most common coverages, limits, and deductibles for the 
surveyed living-cost areas.

Bodily Injury--$100,000/$300,000
Property Damage--$50,000
Medical--$5,000
Uninsured Motorist--$100,000/$300,000
Comprehensive--$100 Deductible
Collision--$250 Deductible

    Runzheimer found that insurance companies in Guam, Puerto Rico, and 
the Virgin Islands provide slightly different limits and deductibles 
than those listed above; therefore, Runzheimer and OPM agreed to 
incorporate the premiums associated with these different limits and 
deductibles into the indexes.
    To do this, Runzheimer surveyed in the D.C. area the price of 
insurance policies that were equivalent to the policy offered in the 
allowance area. From this comparison, Runzheimer computed an index that 
was applied to the price of the typical policy surveyed in the 
Washington, DC, area. By applying this factor to the average price in 
the D.C. area, Runzheimer was able to estimate the cost of equivalent 
coverage in the allowance area. (See Appendix 10B.)
    In all areas, Runzheimer attempted to identify the most ``popular'' 
automobile insurance companies by analyzing market-share reports 
compiled by an industry rating bureau. The policy described above was 
then priced again this year for each location. Two or three price 
quotes were obtained for each area, totalled for each area, and 
averaged together to produce the final number for this component in 
each allowance area.
5.3  Public Transportation Methodology
    As was done last year, Runzheimer surveyed the cost of air fares as 
they relate to recreational travel. Runzheimer priced the lowest 
available round-trip air fare from each allowance area and the 
Washington, D.C., area to Los Angeles, California. Los Angeles was 
selected because it is a common point approximately equidistant from 
most of the allowance areas and the Washington, D.C., area. The cost of 
the trip from each allowance area to Los Angeles was compared with the 
cost of the trip from the Washington, D.C., area to Los Angeles to 
compute the public transportation category indexes. (See Appendix 11.)
5.4  Transportation Survey Results
    Runzheimer measured the costs for fuel, maintenance and oil, tires, 
licensing, taxes, depreciation, finance, and insurance for three types 
of automobiles in each allowance area and in the Washington, D.C., area 
to determine typical private transportation costs. Appendix 10A shows 
the cost of each of these items in each area. As with the housing 
costs, private transportation costs for Hawaii County, Puerto Rico, and 
the Virgin Islands, are shown separately for each of the survey areas 
within these allowance areas. These data are combined to produce 
composite costs for each allowance area using the respective federal 
employment distributions. (See sections 2.5 and 2.6 for a discussion of 
employment weighting in these two areas.)
    Appendix 11 compares the total cost of the private transportation 
items for each vehicle in each allowance area with the total cost of 
the same items in the Washington, D.C., area. Appendix 11 also shows 
how the private and public transportation indexes were combined using 
expenditure weights derived from the CES data to produce final 
transportation indexes.
    The final transportation indexes are used in Appendix 14 to derive 
the total overall index. (Refer to section 2.2 for a discussion of the 
general formulae and how the component indexes are combined.)

6. Miscellaneous Expenses

6.1  Component Overview
    The Miscellaneous Expense component consists primarily of four 
unrelated groups of expenses:
     Medical care,
     Contributions (including gifts to non-family members),
     Personal insurance, and
     Savings and investments (including pensions).
    Runzheimer believes that certain miscellaneous expense items should 
not affect living-cost differences between locations. For example, 
Runzheimer considers charitable contributions a personal choice, so we 
include this expenditure as a constant amount in all locations. Based 
on research into all of the expenses of this component, Runzheimer also 
regards expenses related to personal insurance, savings and 
investments, and pensions as constants, for reasons discussed in 
section 6.2.2.
    To measure the miscellaneous expenses, Runzheimer constructed a 
pricing methodology similar to the one used in the Goods & Services 
component. Runzheimer selected representative items for medical care, 
priced them in all areas, and then computed a Miscellaneous Expense 
component index based on the relative importance of costed items/
categories held constant.
6.2  Miscellaneous Expense Model
6.2.1  Expenditure Research
    From the 1988 CES, Runzheimer tabulated the miscellaneous expense 
data into logical expense groupings and then determined the appropriate 
item weighting. The table on the following page lists the categories 
that Runzheimer selected to price and their weights:

               Miscellaneous Expense Categories & Weights               
------------------------------------------------------------------------
                                                  Income level          
                                        --------------------------------
              Categories                   Lower      Middle            
                                         (percent)  (percent)    Upper  
                                                               (percent)
------------------------------------------------------------------------
Medical Care...........................      43.41      31.56      22.40
Contributions (including gifts)\1\.....      12.38      14.90      16.85
Personal Insurance & Pensions\1\.......      44.21      53.54      60.75
                                        --------------------------------
      Totals...........................     100.00     100.00     100.00
------------------------------------------------------------------------
\1\Held constant.                                                       

6.2.2  Miscellaneous Expense Methodology
    As stated in section 2.2, Runzheimer used the Laspeyres indexing 
methodology to compute the Miscellaneous Expense component index. For 
groups of items held constant, the model assumed a price ratio between 
the allowance area and the Washington, D.C., area equal to 100.00%.
    Runzheimer defined personal insurance and pensions as the portion 
of a family's budget that was targeted for long-term financial 
security. This is consistent with the definitions used by the CES, the 
results of which are used as weights in the COLA model. In the CES, 
money stored in a savings account or investment vehicle for future 
expenditures (of goods and services, housing, or transportation) is 
accounted for in the other component weightings.
    In section 6.1, we noted that expenses related to personal 
insurance were held constant for all locations. This was based on 
information received from life insurance companies and OPM officials. 
The life insurance companies contacted indicated that policies written 
(and premiums charged) to persons within the United States and its 
territories did not vary due to location. Runzheimer's research and 
discussions with OPM officials also indicated that, in general, federal 
employees in all areas received similar or identical benefits 
packages--variations are generally due to personal preference. 
Therefore, Runzheimer believed, and OPM concurred, that holding these 
types of expenses constant was appropriate.
6.3  Miscellaneous Expense Data Collection Procedures
    Medical care items were surveyed consistent with the approach used 
in the Goods & Services component. For quality-control purposes, 
Runzheimer used its in-house research staff to conduct much of this 
survey.
    The following medical-care items were priced in each allowance area 
and in the Washington, D.C., area:
     Nonprescription pain reliever.
     Prescription drugs.
     Vision check.
     Dental service.
     Doctor visit.
     Hospital room.
     Health insurance.
    Runzheimer computed a Medical Care subcategory price index for each 
item in each allowance area by comparing each local average price with 
the Washington, D.C., area average prices. These indexes were combined 
using weights derived from the CES to compute a Medical Care 
subcategory index for each allowance area.
6.4  Miscellaneous Expense Survey Results
    Appendix 12 contains the results of Runzheimer's data collection 
and index calculations. As the appendix shows, the relative costs of 
the majority of the items in the Miscellaneous Component are based on 
surveyed prices. Therefore, the Miscellaneous Component index reflects 
living-cost differences among areas. The cost of only two items--life 
insurance/pensions and contributions--does not differ among areas. 
Although these two items together have a significant weight, one should 
keep in mind that the Miscellaneous Component has the smallest weight 
of the four components.
    Section 2.2 describes how the Miscellaneous Expense component 
indexes are combined with the other component indexes to derive the 
final index for each area.

7. Final Results

7.1 Total Comparative Cost Indexes
    The total comparative cost indexes appear below. Appendix 14 shows 
how each index was derived from the component indexes. 

                     Final Cost Comparison Indexes                      
------------------------------------------------------------------------
                                                              Commissary
                  Allowance area                      Local       and   
                                                    pricing    exchange 
------------------------------------------------------------------------
City & Cnty of Honolulu, Hawaii...................    122.90     120.26 
Hawaii Cnty, Hawaii...............................    109.63         NA 
Kauai Cnty, Hawaii................................    119.27         NA 
Maui Cnty, Hawaii.................................    119.32         NA 
Guam, CNMI\1\.....................................    122.25     120.81 
Puerto Rico.......................................    103.00     102.17 
U.S. Virgin Islands...............................    117.81        NA  
------------------------------------------------------------------------
\1\Commonwealth of the Northern Mariana Islands.                        
NA=Not Applicable.                                                      

7.2 General Comments
    Runzheimer's primary goal throughout its work on each study has 
been to bring fairness and accuracy to the results. The scope of this 
multi-year engagement has become more comprehensive by virtue of 
special research projects, seasonal pricings, expanded marketbasket 
pricings and other efforts. Runzheimer believes that living-cost 
research is a dynamic process, not a static one, and that fresh 
research and analysis will enhance further the quality of the survey 
and the findings. Moreover, we believe that planned, ongoing 
interaction with OPM will aid the process and improve accuracy.
7.3 Recommendations
    As noted earlier in this report, Runzheimer and OPM are researching 
the issue of including income taxes in the living-cost surveys and 
analyses. We believe that the research will show that income taxes 
represent a significant portion of living expenses--a portion that 
varies from one area to the next.
    As also noted in the report, Runzheimer recognizes that it applied 
the same salary levels and CES data this year as it did in the 1990 
surveys. We commend OPM for introducing new Federal employment weights 
and urge OPM to continue with its plans to introduce gradually new CES 
data and salary levels in future surveys.

                                 Appendix 1.--Consumer Expenditure Survey (CES)                                 
    [By Income Before Taxes: Average annual expenditures and characteristics of all consumer units, Consumer    
                                     Expenditure Survey 1988, Feb. 13, 1990]                                    
----------------------------------------------------------------------------------------------------------------
                                                              June 7, 1990                                      
                      ------------------------------------------------------------------------------------------
         Item             Total                                                                                 
                         complete    $10,000 to   $15,000 to   $20,000 to   $30,000 to   $40,000 to  $50,000 and
                        reporting     $14,999      $19,999      $29,999      $39,999      $49,999        over   
----------------------------------------------------------------------------------------------------------------
Number of consumer                                                                                              
 units (in thousands)        81354         9433         8219        14586        10901         7198        12209
Number of sample                                                                                                
 interviews..........        30900         3500         3107         5496         4119         2849         4983
Consumer unit                                                                                                   
 characteristics:                                                                                               
  Income before                                                                                                 
   taxes\1\..........       $28540       $12320       $17373       $24591       $34375       $44331       $74234
  Income after                                                                                                  
   taxes\1\..........        26149        11892        16345        22963        31660        40100        66345
  Average number of                                                                                             
   persons in                                                                                                   
   consumer unit.....          2.6          2.2          2.5          2.7          2.9          3.2          3.1
  Age of reference                                                                                              
   person............         46.9         50.1         46.5         44.7         43.2         42.3         45.3
  Average number in                                                                                             
   consumer unit:                                                                                               
    Earners..........          1.4          0.9          1.2          1.5          1.8          2.0          2.1
    Vehicles.........          2.0          1.4          1.9          2.2          2.6          2.7          3.1
    Children under 18          0.7          0.6          0.7          0.7          0.9          1.0          0.8
    Persons 65 and                                                                                              
     over............          0.3          0.5          0.4          0.3          0.2          0.1          0.1
  Percent                                                                                                       
   distribution:                                                                                                
      Male...........           66           57           64           71           78           82           87
      Female.........           34           43           36           29           22           18           13
      Homeowner with                                                                                            
       mortgage......           38           15           26           36           52           64           76
      Homeowner                                                                                                 
       without                                                                                                  
       mortgage......           24           32           26           25           18           14           14
      Renter.........           39           53           47           39           30           21           11
      Black..........           11           12           10           10            5            6            4
      White and other           89           88           90           90           95           94           96
      Elementary (1-                                                                                            
       8)............           11           17           12            8            5            2            3
      High school (9-                                                                                           
       12)...........           44           51           54           48           42           40           24
      College........           44           31           34           44           53           58           73
      Never attended                                                                                            
       and other.....            1            1            1            0            0            0            0
    At least one                                                                                                
     vehicle owned...           86           84           91           95           96           97           97
Average annual                                                                                                  
 expenditures........     26389.07     16788.64     19558.35     24896.36     31659.60     37562.00     52320.19
  Food...............      3804.39      2777.33      3194.53      3765.02      4587.49      5281.61      6296.11
    Food at home.....      2176.94      1809.23      1954.49      2174.01      2556.74      2906.55      3109.86
      *Cereals and                                                                                              
       bakery                                                                                                   
       products......       317.03       266.20       274.62       320.55       375.38       417.06       450.19
        *Cereals and                                                                                            
         cereal                                                                                                 
         products....       111.15       101.45       100.46       111.31       134.59       145.71       138.66
        *Flour.......         4.83         6.43         4.59         4.99         5.06         4.15         4.17
        *Prepared                                                                                               
         flour mixes.         9.88         9.30         9.21        10.32        11.92        14.72        12.18
        *Ready-to-eat                                                                                           
         and cooked                                                                                             
         cereals.....        73.49        65.38        65.31        72.80        89.56        98.06        92.85
        *Rice........         7.98         8.00         6.06         7.95         9.66         9.48        10.14
        *Pasta,                                                                                                 
         cornmeal and                                                                                           
         other                                                                                                  
         cereals.....        14.97        12.33        15.29        15.24        18.39        19.30        19.34
      *Bakery                                                                                                   
       products......       205.88       164.75       174.16       209.23       240.80       271.35       311.53
        *Bread.......        65.72        58.48        61.24        68.58        72.19        78.50        86.03
          *White                                                                                                
           bread.....        35.48        32.79        33.61        38.12        39.98        39.46        42.54
          *Bread,                                                                                               
           other than                                                                                           
           white.....        30.24        25.69        27.63        30.46        32.21        39.05        43.49
        *Crackers and                                                                                           
         cookies.....        51.76        41.43        42.92        53.39        60.40        75.75        77.18
          *Cookies...        32.19        24.30        27.98        33.01        35.93        47.99        49.96
          *Crackers..        19.57        17.13        14.94        20.38        24.46        27.76        27.21
        *Frozen and                                                                                             
         refrigerated                                                                                           
         bakery                                                                                                 
         products....        13.55        10.10        10.54        13.12        15.29        17.64        24.89
        *Other bakery                                                                                           
         products....        74.84        54.74        59.46        74.14        92.92        99.46       123.44
          *Biscuits                                                                                             
           and rolls.        26.62        18.31        20.95        27.08        30.87        38.69        45.14
          *Cakes and                                                                                            
           cupcakes..        20.31        13.30        15.37        21.50        26.94        26.92        31.29
          *Bread and                                                                                            
           cracker                                                                                              
           products..         2.82         2.70         2.40         2.36         3.73         4.07         4.89
          *Sweetrolls                                                                                           
           , coffee                                                                                             
           cakes,                                                                                               
           doughnuts.        19.60        15.04        15.68        18.44        23.22        23.31        33.90
          *Pies,                                                                                                
           tarts,                                                                                               
           turnovers.         5.48         5.38         5.07         4.76         8.16         6.48         8.22
      *Meats,                                                                                                   
       poultry, fish                                                                                            
       and eggs......       560.01       477.38       555.07       541.91       635.94       699.55       812.35
        *Beef........       183.66       152.35       204.56       185.96       215.42       225.57       263.75
          *Ground                                                                                               
           beef......        79.09        71.32        84.22        79.31        96.47        91.12       101.79
        *Roast.......        33.40        28.09        34.54        34.19        35.85        40.13        50.81
          *Chuck                                                                                                
           roast.....        13.23        11.36        14.43        13.12        16.66        14.71        17.87
          *Round                                                                                                
           roast.....         9.13         7.79        10.19         8.42         8.80        15.67        13.71
          *Other                                                                                                
           roast.....        11.04         8.93         9.92        12.65        10.28         9.75        19.23
        *Steak.......        59.01        41.47        71.43        61.32        70.25        77.08        93.67
          *Round                                                                                                
           steak.....        11.62        11.60        16.74        13.83        12.33        11.66        13.85
          *Sirloin                                                                                              
           steak.....        12.96         8.51        11.79        12.72        14.53        20.48        24.43
          *Other                                                                                                
           steak.....        34.42        21.36        42.90        34.77        43.40        44.94        55.39
        *Other beef..        12.17        11.47        14.37        11.14        12.84        17.24        17.48
      *Pork..........       114.19       104.51       108.16       108.24       132.60       131.31       157.61
        *Bacon.......        20.23        24.20        17.46        18.44        23.15        18.48        25.09
        *Pork chops..        27.10        19.23        28.84        25.14        36.30        28.37        34.33
        *Ham.........        27.43        25.79        27.94        28.11        31.54        35.35        39.08
          *Ham, not                                                                                             
           canned....        24.47        21.68        25.11        26.25        28.62        29.58        36.43
          *Canned ham         2.96         41.0         2.83         1.86         2.92         5.77         2.65
        *Sausage.....        16.60        14.09        17.07        13.98        17.67        22.46        23.28
        *Other pork..        22.83        21.21        16.84        22.58        23.95        26.65        35.83
      *Other meats...        83.61        71.60        75.58        79.96        98.98       113.62       118.21
        *Frankfurters        17.37        15.97        17.17        17.77        19.56        21.76        22.58
        *Lunch meats                                                                                            
         (cold cuts).        58.88        49.13        49.48        56.28        71.83        80.88        86.21
          *Bologna,                                                                                             
           liverwurst                                                                                           
           , salami..        19.11        17.97        16.54        19.36        22.06        23.99        25.51
          *Other                                                                                                
           lunchmeats        39.78        31.16        32.94        36.92        49.77        56.89        60.70
        *Lamb, organ                                                                                            
         meats and                                                                                              
         others......         7.36         6.51         8.93         5.91         7.58        10.98         9.42
          *Lamb and                                                                                             
           organ                                                                                                
           meats.....         6.17         5.97         5.33         4.82         7.57         8.63         8.50
          *Mutton,                                                                                              
           goat and                                                                                             
           game......         1.19         0.54         3.60         1.10         0.01         2.36         0.92
      *Poultry.......        85.49        69.40        81.53        82.16        85.67       111.40       133.20
        *Fresh and                                                                                              
         frozen                                                                                                 
         chickens....        66.41        55.25        66.61        65.26        66.71        81.88        96.35
          *Fresh                                                                                                
           whole                                                                                                
           chicken...        17.24        17.03        17.44        20.11        14.32        16.24        23.38
          *Fresh and                                                                                            
           frozen                                                                                               
           chicken                                                                                              
           parts.....        49.17        38.22        49.18        45.15        52.39        65.64        72.97
        *Other                                                                                                  
         poultry,                                                                                               
         incl whole                                                                                             
         frzn                                                                                                   
         chickens....        19.08        14.15        14.91        16.91        18.96        29.52        36.85
      *Fish and                                                                                                 
       seafood.......        65.24        50.44        57.57        56.89        74.24        86.03       109.89
        *Canned fish                                                                                            
         and seafood.        17.95        14.01        15.77        16.67        23.21        21.96        26.53
        *Fresh and                                                                                              
         frozen                                                                                                 
         shellfish...        14.98         5.89        17.35        14.09        15.81        18.33        32.78
        *Fresh and                                                                                              
         frozen                                                                                                 
         finfish.....        32.31        30.53        24.45        26.13        35.23        45.74        50.59
      *Eggs..........        27.83        29.08        27.68        28.69        29.02        31.61        29.68
    *Dairy products..       277.91       237.49       246.39       287.05       337.97       365.06       383.11
      *Fresh milk and                                                                                           
       cream.........       134.41       132.08       125.44       135.91       160.12       158.15       168.53
        *Whole milk..        52.12        58.46        57.48        57.54        55.58        44.53        55.37
        *Other milk                                                                                             
         and cream...        82.29        73.61        67.97        78.37       104.54       113.61       113.17
      *Other dairy                                                                                              
       products......       143.50       105.41       120.95       151.15       177.85       206.92       214.57
        *Butter......         8.89         8.28         8.17         8.63         9.20        12.22        13.04
        *Cheese......        79.01        54.41        69.16        83.03        98.98       111.72       119.08
        *Ice cream                                                                                              
         and related                                                                                            
         products....        41.68        31.02        33.95        46.55        53.10        60.05        61.85
        *Miscellaneou                                                                                           
         s dairy                                                                                                
         products....        13.93        11.70         9.67        12.93        16.57        22.93        20.60
    *Fruits and                                                                                                 
     vegetables......       376.38       327.70       335.02       366.35       441.76       487.04       526.17
      *Fresh fruits..       120.98       102.64       104.99       116.33       148.47       156.62       172.21
        *Apples......        21.57        16.83        17.80        21.56        26.58        28.77        29.44
        *Bananas.....        20.65        19.42        19.04        21.64        24.06        22.66        27.22
        *Oranges.....        10.98         9.36         9.43         9.37        15.38        16.47        14.72
        *Other fresh                                                                                            
         fruits......        67.78        57.02        58.71        63.75        82.45        88.72       100.83
      *Fresh                                                                                                    
       vegetables....       110.67       101.90       100.87       106.30       124.19       123.40       158.76
        *Potatoes....        16.61        13.93        17.56        15.59        19.18        20.55        22.24
        *Lettuce.....        13.73        11.36        11.61        12.80        16.85        16.95        20.85
        *Tomatoes....        14.87        13.49        14.08        14.64        17.94        16.43        19.74
        *Other fresh                                                                                            
         vegetables..        65.47        63.12        57.63        63.28        70.21        69.47        95.93
      *Processed                                                                                                
       fruits........        86.81        75.04        80.64        82.22        98.04       126.19       121.27
        *Frozen                                                                                                 
         fruits and                                                                                             
         fruit juices        19.59        17.95        18.61        18.42        22.98        32.00        28.71
          *Frozen                                                                                               
           orange                                                                                               
           juice.....        14.43        13.60        13.91        14.55        14.89        21.97        20.88
          *Other                                                                                                
           frozen                                                                                               
           fruits and                                                                                           
           juices....         5.16         4.35         4.70         3.87         8.10        10.03         7.83
        *Canned and                                                                                             
         dried fruits        21.22        18.05        18.46        20.85        24.80        32.50        26.30
        *Fresh,                                                                                                 
         canned or                                                                                              
         bottled                                                                                                
         fruit juices        46.00        39.04        43.58        42.95        50.26        61.68        66.26
      *Processed                                                                                                
       vegetables....        57.92        48.13        48.52        61.49        71.05        80.82        73.92
        *Frozen                                                                                                 
         vegetables..        21.30        13.63        16.57        23.19        27.40        32.62        31.07
        *Canned and                                                                                             
         dried                                                                                                  
         vegetables                                                                                             
         and juices..        36.62        34.50        31.95        38.30        43.65        48.21        42.85
          *Canned                                                                                               
           beans.....         6.64         5.41         6.00         6.98         7.85         9.98         7.27
          *Canned                                                                                               
           corn......         4.21         2.91         3.86         4.70         4.31         6.10         4.37
          *Other                                                                                                
           canned and                                                                                           
           dried                                                                                                
           veg., &                                                                                              
           juices....        25.77        26.17        22.09        26.62        31.49        32.12        31.21
    *Other food at                                                                                              
     home............       645.61       500.46       543.39       658.15       765.69       937.83       938.05
      *Sugar and                                                                                                
       other sweets..        80.66        65.44        64.53        82.49        97.73       122.23       111.61
        *Candy and                                                                                              
         chewing gum.        45.41        32.09        31.13        46.37        55.74        75.32        71.53
        *Sugar.......        17.07        18.57        17.60        17.61        18.27        17.57        16.01
        *Artificial                                                                                             
         sweeteners..         2.36         1.56         2.44         2.90         1.78         3.70         2.68
        *Jams,                                                                                                  
         preserves,                                                                                             
         other sweets        15.82        13.22        13.36        15.62        21.94        25.64        21.39
      *Fats and oils.        56.65        48.51        45.63        59.62        69.18        76.24        70.54
        *Margarine...        11.96        10.65         9.89        12.19        14.51        15.78        15.49
        *Other fats,                                                                                            
         oils, and                                                                                              
         salad                                                                                                  
         dressing....        31.66        26.57        26.33        32.32        37.90        45.04        38.58
        *Nondairy                                                                                               
         cream and                                                                                              
         imitation                                                                                              
         milk........         4.49         4.53         3.64         4.91         4.72         5.00         4.89
        *Peanut                                                                                                 
         butter......         8.54         6.75         5.77        10.20        12.05        10.42        11.57
      *Miscellaneous                                                                                            
       foods.........       272.98       209.21       230.18       278.73       325.17       410.76       393.38
        *Frozen                                                                                                 
         prepared                                                                                               
         foods.......        46.13        34.31        44.35        47.46        54.87        69.97        66.80
          *Frozen                                                                                               
           meals.....        16.75        14.44        19.43        16.05        23.09        21.11        23.97
          *Other                                                                                                
           frozen                                                                                               
           prepared                                                                                             
           foods.....        29.39        19.87        24.92        31.41        31.78        48.86        42.82
        *Canned and                                                                                             
         packaged                                                                                               
         soups.......        21.41        17.65        16.96        21.06        24.10        35.62        28.50
        *Potato                                                                                                 
         chips, nuts,                                                                                           
         and other                                                                                              
         snacks......        59.78        41.00        37.67        64.36        71.49        95.82       100.20
          *Potato                                                                                               
           chips and                                                                                            
           other                                                                                                
           snacks....        46.79        30.06        31.54        53.75        55.18        74.06        77.26
          *Nuts......        12.99        10.94         6.13        10.61        16.31        21.76        22.94
        *Condiments                                                                                             
         and                                                                                                    
         seasonings..        61.52        49.20        56.11        58.41        77.90        82.89        92.16
          *Salt,                                                                                                
           spices,                                                                                              
           other                                                                                                
           seasonings        12.31        10.17        11.24        11.99        14.15        14.15        20.09
          *Olives,                                                                                              
           pickles,                                                                                             
           relishes..         7.62         5.36         8.73         7.01         9.48        10.54        10.59
          *Sauces and                                                                                           
           gravies...        31.62        25.10        26.76        29.73        42.60        43.35        46.87
          *Baking                                                                                               
           needs and                                                                                            
           misc.                                                                                                
           products..         9.97         8.58         9.38         9.67        11.67        14.85        14.61
        *Other canned/                                                                                          
         packaged                                                                                               
         prepared                                                                                               
         foods.......        84.14        67.05        75.08        87.44        96.82       126.46       105.73
          *Salads and                                                                                           
           desserts..        13.23        11.82        12.59        11.96        17.20        18.07        18.37
          *Baby food.        16.25        10.38        15.03        16.91        19.52        26.99        12.93
          *Miscellane                                                                                           
           ous                                                                                                  
           prepared                                                                                             
           foods.....        54.66        44.85        47.47        58.57        60.10        81.41        74.43
      *Nonalcoholic                                                                                             
       beverages.....       204.37       164.51       186.49       210.29       233.06       283.11       287.11
        *Cola........        92.19        66.57        88.15        99.91       101.86       140.51       123.90
        *Other                                                                                                  
         carbonated                                                                                             
         drinks......        32.62        23.55        29.15        28.70        40.86        43.90        53.99
        *Coffee......        40.93        38.84        38.48        38.15        43.16        47.73        54.95
          *Roasted                                                                                              
           coffee....        25.27        22.96        23.27        24.63        26.36        31.15        34.98
          *Instant                                                                                              
           and freeze                                                                                           
           dried                                                                                                
           coffee....        15.66        15.87        15.21        13.52        16.81        16.58        19.98
        *Non-                                                                                                   
         carbonated                                                                                             
         fruit                                                                                                  
         flavored                                                                                               
         drinks......        16.30        12.30        11.92        21.28        20.62        24.65        21.32
        *Tea.........        11.18        10.67         8.25        11.36        13.49        15.33        13.42
        *Other non-                                                                                             
         alcoholic                                                                                              
         beverages...        11.15        12.58        10.54        10.90        13.08        10.98        19.52
      Food prepared                                                                                             
       by cu on out                                                                                             
       of town trips.        30.94        12.80        16.56        27.01        40.55        45.49        75.42
  Food away from home      1627.45       968.10      1240.03      1591.02      2030.75      2375.06      3186.24
    *Meals at                                                                                                   
     restaurants,                                                                                               
     carry-outs &                                                                                               
     other...........      1275.77       799.32      1039.21      1294.24      1591.66      1870.30      2351.22
      *Lunch.........       499.88       277.04       407.25       514.76       619.15       709.45       956.78
      *Dinner........       549.30       339.39       440.28       550.06       662.77       822.65      1057.00
      *Snacks and non                                                                                           
       alcoholic                                                                                                
       beverage......       142.56       105.40       121.94       145.83       190.00       225.33       207.78
      *Breakfast and                                                                                            
       brunch........        84.04        77.48        69.75        83.59       119.74       112.87       129.66
    Board (including                                                                                            
     at school)......        43.62         6.74         7.89        27.65        36.46        39.33       153.00
      Catered affairs        41.27         7.39         5.78        34.97        50.79        47.01       142.76
      Food on out of                                                                                            
       town trips....       195.31        93.30       115.14       165.61       254.20       300.02       451.05
      School lunches.        42.24        20.43        26.30        41.51        67.39        84.77        70.55
      Meals as pay...        29.24        40.92        45.71        27.04        30.27        33.64        17.65
  Alcoholic beverages       281.70       182.87       235.22       290.56       343.77       352.96       506.47
    *At home.........       148.36       107.27       126.68       152.37       189.69       178.29       246.36
      *Beer and ale..        89.05        72.34        77.77        95.86       108.21       102.60       126.68
      *Whiskey.......        12.73        12.89         5.93        13.17        16.76        13.43        21.68
      *Wine..........        32.15        13.69        26.16        31.70        40.94        46.88        70.20
      *Other                                                                                                    
       alcoholic                                                                                                
       beverages.....        14.43         8.35        16.82        11.65        23.78        15.38        27.80
    Away from home...       133.34        75.61       108.54       138.19       154.08       174.67       260.11
      *Beer and ale..        37.50        20.21        32.77        39.59        40.20        53.06        62.61
      *Wine..........        18.54        12.05        15.72        19.17        18.68        24.52        38.32
      *Other                                                                                                    
       alcoholic                                                                                                
       beverages.....        58.12        36.45        50.81        60.89        71.66        67.59       113.53
      Alcoholic                                                                                                 
       beverages                                                                                                
       purchased on                                                                                             
       trips.........        19.17         6.90         9.24        18.54        23.54        29.50        45.66
  Housing............      8069.13      5495.09      5946.80      7511.85      9260.40     10608.79     15719.12
    Shelter..........      4470.25      3043.10      3139.50      4124.86      5049.86      5901.40      8909.44
      Owned dwellings      2554.04       961.15      1151.03      1976.74      2970.57      4060.42      6925.93
        Mortgage                                                                                                
         interest....      1560.48       318.45       520.13      1051.78      1925.39      2783.87      4724.67
          Mortgage                                                                                              
           interest                                                                                             
           and                                                                                                  
           charges...      1560.38       318.45       520.13      1051.78      1925.39      2783.87      4724.01
          Prepayment                                                                                            
           penalty                                                                                              
           charges.                                                                                             
           (own home)         0.10         0.00         0.00         0.00         0.00         0.00         0.66
        Property                                                                                                
         taxes.......       496.08       316.48       301.71       417.03       599.30       643.81      1125.91
        Maintenance,                                                                                            
         repairs,                                                                                               
         insur, othr                                                                                            
         expenses....       497.48       326.23       329.20       507.92       445.87       632.74      1075.35
          Homeowners                                                                                            
           and                                                                                                  
           related                                                                                              
           insurance.       151.74       102.72       105.11       139.48       163.01       200.84       313.16
            Fire and                                                                                            
             extended                                                                                           
             coverage         4.98         3.14         4.17         8.42         3.90         7.28         4.94
            Homeowner                                                                                           
             s                                                                                                  
             insuranc                                                                                           
             e.......       146.76        99.58       100.94       131.06       159.11       193.56       308.22
        Ground rent..        26.88        26.40        38.12        35.13        23.98        14.38        12.57
        Maintenance                                                                                             
         and repair                                                                                             
         service.....       252.68       166.84       159.60       260.79       187.82       293.13       607.16
          Painting                                                                                              
           and                                                                                                  
           papering..        52.01        34.57        12.75        55.29        21.09        49.82       144.99
          Plumbing                                                                                              
           and water                                                                                            
           heating...        23.06        12.17        16.84        22.72        17.23        32.94        55.39
          Heat, a/c,                                                                                            
           electrical                                                                                           
           work......        42.03        40.31        20.65        28.44        44.68        61.59        90.02
          Roofing and                                                                                           
           gutters...        46.96        21.78        51.88        49.75        40.70        55.18       111.23
          Other                                                                                                 
           repair/mai                                                                                           
           ntenance                                                                                             
           service...        78.78        53.15        53.69       101.29        54.90        85.14       164.91
          Repair &                                                                                              
           replace                                                                                              
           hard                                                                                                 
           surface                                                                                              
           flooring..         8.14         4.68         2.92         2.46         7.98         6.77        33.94
          Repair of                                                                                             
           built-in                                                                                             
           appliances         1.68         0.16         0.88         0.85         1.24         1.69         6.68
        Maintenance/r                                                                                           
         epair commod        65.41        28.29        25.78        71.76        70.93       122.37       141.50
          Paints,                                                                                               
           wallpaper                                                                                            
           and                                                                                                  
           supplies..        17.47         6.93         5.76        14.64        18.25        33.17        45.07
          Tools and                                                                                             
           equipment                                                                                            
           for                                                                                                  
           painting                                                                                             
           and                                                                                                  
           wallpaperi                                                                                           
           ng........         1.88         0.74         0.62         1.57         1.96         3.56         4.84
          Plumbing                                                                                              
           supplies                                                                                             
           and                                                                                                  
           equipment.         5.65         2.25         3.48         6.92         6.24        11.04        11.40
          Electrical                                                                                            
           supplies,                                                                                            
           heat/cool                                                                                            
           equip.....         3.76         0.62         4.14         3.32         4.94         2.21        10.24
          Materials                                                                                             
           for hard                                                                                             
           surface                                                                                              
           floor,                                                                                               
           repair and                                                                                           
           replace...         1.85         0.82         0.03         1.32         0.66         5.63         5.85
          Material                                                                                              
           and                                                                                                  
           equipment                                                                                            
           for roof/                                                                                            
           gutters...         5.18         3.60         3.34         8.46         4.25         3.31         5.16
          Materials                                                                                             
           for                                                                                                  
           plaster,                                                                                             
           panel,                                                                                               
           siding,                                                                                              
           windows,                                                                                             
           doors,                                                                                               
           screens,                                                                                             
           awnings...        11.08         9.36         4.91        12.62        12.57        15.49        23.43
          Materials                                                                                             
           for patio,                                                                                           
           walk,                                                                                                
           fence,                                                                                               
           drive,                                                                                               
           masonry,                                                                                             
           brick, and                                                                                           
           stucco                                                                                               
           work......         2.12         0.28         0.61         6.99         0.71         2.30         3.03
          Materials                                                                                             
           for                                                                                                  
           landscapin                                                                                           
           g                                                                                                    
           maintenanc                                                                                           
           e.........         2.52         0.09         0.00         7.40         2.38         2.17         4.45
          Miscellaneo                                                                                           
           us                                                                                                   
           supplies/e                                                                                           
           quipment..        13.89         3.60         2.89         8.52        18.98        43.49        28.02
            Materials                                                                                           
             for                                                                                                
             insulati                                                                                           
             on,                                                                                                
             other                                                                                              
             maintena                                                                                           
             nce/repa                                                                                           
             ir......         7.87         3.60         2.36         6.16        10.04        14.88        18.16
            Materials                                                                                           
             to                                                                                                 
             finish                                                                                             
             basement                                                                                           
             ,                                                                                                  
             remodel                                                                                            
             rms or                                                                                             
             build                                                                                              
             patios,                                                                                            
             walks,                                                                                             
             etc                                                                                                
             (maint.,                                                                                           
             rep.,                                                                                              
             repl.)                                                                                             
             (own                                                                                               
             prop)...         6.02         0.00         0.53         2.36         8.95        28.61         9.86
    Property                                                                                                    
     management and                                                                                             
     security........         0.74         1.98         0.53         0.72         0.13         1.95         0.79
        Property                                                                                                
         management..         0.64         1.88         0.24         0.60         0.12         1.95         0.62
        Management                                                                                              
         and upkeep                                                                                             
         serv for                                                                                               
         security....         0.10         0.10         0.28         0.13         0.01         0.00         0.18
      Parking........         0.04         0.00         0.06         0.03         0.00         0.07         0.17
    Rented dwellings.      1469.41      1753.31      1777.24      1804.99      1563.71      1248.94       825.42
      Rent...........      1428.30      1708.38      1718.30      1762.19      1521.88      1216.05       785.55
      Rent as pay....        17.34        25.29        32.67        15.87        14.30         0.70         9.59
      Maintenance,                                                                                              
       insurance and                                                                                            
       other expenses        23.76        19.63        26.27        26.92        27.53        32.19        30.29
        Tenant's                                                                                                
         insurance...         8.68         4.34         9.22         9.27        12.89        10.61        10.03
        Maintenance                                                                                             
         and repair                                                                                             
         services....         9.01        10.32        13.18        11.46         9.64         6.78        12.67
          Repair or                                                                                             
           maintenanc                                                                                           
           e service.         8.62        10.32        13.18        11.46         9.50         5.20        11.94
          Materials                                                                                             
           for                                                                                                  
           dwelling                                                                                             
           under                                                                                                
           constructi                                                                                           
           on and                                                                                               
           additions.         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Repair &                                                                                              
           replace                                                                                              
           hard                                                                                                 
           surface                                                                                              
           flooring..         0.36         0.00         0.00         0.00         0.00         1.58         0.69
          Repair of                                                                                             
           built-in                                                                                             
           appliances         0.03         0.00         0.00         0.00         0.14         0.00         0.05
        Maintenance                                                                                             
         and repair                                                                                             
         comm........         6.07         4.97         3.87         6.19         5.00        14.80         7.59
          Paint,                                                                                                
           wallpaper,                                                                                           
           and                                                                                                  
           supplies..         1.19         0.85         1.39         1.12         2.22         1.63         1.10
          Tools and                                                                                             
           equipment                                                                                            
           for                                                                                                  
           painting                                                                                             
           and                                                                                                  
           wallpaperi                                                                                           
           ng........         0.13         0.09         0.15         0.12         0.24         0.18         0.12
          Materials                                                                                             
           for                                                                                                  
           plast.,                                                                                              
           panels,                                                                                              
           roofing,                                                                                             
           gutters,                                                                                             
           etc.......         0.68         1.43         0.34         0.94         0.69         0.81         0.56
          Materials                                                                                             
           for patio,                                                                                           
           walk,                                                                                                
           fence,                                                                                               
           driveway,                                                                                            
           masonry,                                                                                             
           brick &                                                                                              
           stucco                                                                                               
           work......         0.02         0.06         0.00         0.01         0.00         0.06         0.02
          Plumbing                                                                                              
           supplies                                                                                             
           and                                                                                                  
           equipment.         0.38         0.23         0.53         0.75         0.25         0.20         0.17
          Electrical                                                                                            
           supplies,                                                                                            
           heat./cool                                                                                           
           . equip...         0.92         1.10         0.18         0.03         0.11         8.91         0.01
          Miscellaneo                                                                                           
           us                                                                                                   
           supplies/e                                                                                           
           quipment..         1.84         2.07         0.79         2.69         1.08         1.80         3.41
          Materials                                                                                             
           for                                                                                                  
           insulation                                                                                           
           , other                                                                                              
           maintenanc                                                                                           
           e and                                                                                                
           repair....         0.58         0.51         0.73         0.49         0.56         0.67         0.72
          Termite/pes                                                                                           
           t control                                                                                            
           (cap.                                                                                                
           improvemen                                                                                           
           t)                                                                                                   
           (renter)..         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Materials                                                                                             
           for                                                                                                  
           additions,                                                                                           
           finish                                                                                               
           basements,                                                                                           
           remodeling                                                                                           
           rooms.....         1.08         1.44         0.07         1.89         0.26         0.24         2.69
          Constructio                                                                                           
           n mtls                                                                                               
           jobs not                                                                                             
           started...         0.18         0.12         0.00         0.31         0.26         0.89         0.00
          Materials                                                                                             
           for hard                                                                                             
           surface                                                                                              
           flooring..         0.14         0.00         0.46         0.26         0.00         0.52         0.00
          Materials                                                                                             
           for                                                                                                  
           landscape                                                                                            
           maintenanc                                                                                           
           e.........         0.76         0.14         0.03         0.27         0.42         0.68         2.21
    Other lodging....       446.79       328.64       211.23       343.13       515.57       592.04      1158.09
      Owned vacation                                                                                            
       homes.........        78.26       147.93        26.59        48.70        89.46        52.59       199.82
        Prepayment                                                                                              
         penalty                                                                                                
         charges (own                                                                                           
         vac)........         0.00         0.00         0.00         0.00         0.00         0.00         0.00
        Mortgage                                                                                                
         interest....        48.65       124.50         5.47        31.06        51.05        23.57       117.74
        Property                                                                                                
         taxes.......        16.90        12.09        14.93         9.58        21.13        16.99        45.43
        Maintenance,                                                                                            
         insurance                                                                                              
         other                                                                                                  
         expenses....        12.71        11.34         6.19         8.06        17.28        12.03        36.65
          Homeowners                                                                                            
           and                                                                                                  
           related                                                                                              
           insurance.         3.07         1.77         1.42         2.32         2.69         1.79        10.56
            Homeowner                                                                                           
             s                                                                                                  
             insuranc                                                                                           
             e.......         3.04         1.54         1.42         2.32         2.69         1.79        10.51
            Fire/exte                                                                                           
             nded                                                                                               
             coverage         0.03         0.22         0.00         0.00         0.00         0.00         0.05
          Ground rent         3.33         0.90         3.95         1.64         6.88         1.26         9.64
          Maintenance                                                                                           
           /repair                                                                                              
           services..         5.52         8.06         0.71         3.83         6.37         8.30        14.44
            Repair/re                                                                                           
             modeling                                                                                           
             (service                                                                                           
             ).......         5.52         8.06         0.71         3.83         6.37         8.30        14.44
            Repair                                                                                              
             and                                                                                                
             replace                                                                                            
             hard                                                                                               
             surface                                                                                            
             floor...         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Maintenance                                                                                           
           /repair                                                                                              
           comm......         0.39         0.61         0.11         0.28         0.11         0.23         0.70
            Paints,                                                                                             
             wallpape                                                                                           
             r,                                                                                                 
             supplies         0.08         0.19         0.06         0.00         0.03         0.08         0.29
            Tools/equ                                                                                           
             ipment                                                                                             
             for                                                                                                
             painting                                                                                           
             and                                                                                                
             wallpape                                                                                           
             ring....         0.01         0.02         0.01         0.00         0.00         0.01         0.03
          Materials                                                                                             
           for                                                                                                  
           plastering                                                                                           
           , panels,                                                                                            
           roofing,                                                                                             
           gutters                                                                                              
           dnspouts,                                                                                            
           siding                                                                                               
           wdows,                                                                                               
           drs.,                                                                                                
           screens,                                                                                             
           and                                                                                                  
           awnings...         0.05         0.00         0.00         0.02         0.00         0.03         0.32
          Materials                                                                                             
           for patio,                                                                                           
           walk,                                                                                                
           fence,                                                                                               
           drive,                                                                                               
           drive,                                                                                               
           masonry,                                                                                             
           brick,                                                                                               
           stucco....         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Plumbing                                                                                              
           supplies/e                                                                                           
           quipment..         0.02         0.04         0.00         0.00         0.03         0.07         0.05
          Electrical                                                                                            
           supplies,                                                                                            
           heat./cool                                                                                           
           equip.....         0.01         0.00         0.00         0.01         0.04         0.00         0.00
          Miscellaneo                                                                                           
           us                                                                                                   
           supplies/e                                                                                           
           quipment..         0.01         0.00         0.05         0.02         0.00         0.04         0.00
            Materials                                                                                           
             for                                                                                                
             insulati                                                                                           
             on/other                                                                                           
             maint./r                                                                                           
             epair...         0.01         0.00         0.05         0.00         0.00         0.04         0.00
            Materials                                                                                           
             for                                                                                                
             finishin                                                                                           
             g                                                                                                  
             basement                                                                                           
             s                                                                                                  
             remodeli                                                                                           
             ng rooms         0.00         0.00         0.00         0.02         0.00         0.00         0.00
          Materials                                                                                             
           for hard                                                                                             
           surface                                                                                              
           floor.....         0.20         0.35         0.00         0.23         0.00         0.00         0.00
          Materials                                                                                             
           for                                                                                                  
           landscapin                                                                                           
           g                                                                                                    
           maintenanc                                                                                           
           e.........         0.00         0.00         0.00         0.00         0.00         0.00         0.00
        Property                                                                                                
         management                                                                                             
         and security         0.40         0.00         0.00         0.00         1.23         0.44         1.30
          Property                                                                                              
           management         0.40         0.00         0.00         0.00         1.23         0.44         1.30
          Management                                                                                            
           and upkeep                                                                                           
           serv for                                                                                             
           securit...         0.00         0.00         0.00         0.00         0.00         0.00         0.00
        Parking......         0.00         0.00         0.00         0.00         0.00         0.00         0.00
    Expenses for                                                                                                
     other properties       154.47       101.84        74.84       137.28       169.04       223.95       390.55
    Housing while                                                                                               
     attending school        35.48         3.69         3.44        17.58        30.76        35.15       118.12
    Lodging while out                                                                                           
     of town.........       178.58        75.19       106.36       139.57       226.31       280.35       449.60
Utilities, fuels and                                                                                            
 public services.....      1726.29      1412.79      1542.51      1711.07      1924.68      2089.22      2593.19
  Natural gas........       232.22       212.96       214.65       215.34       246.68       276.67       354.61
    Util.--Natural                                                                                              
     gas (renter)....        50.85        73.43        66.38        52.66        42.66        34.00        19.84
    Util.--Natural                                                                                              
     gas (own home)..       180.07       139.37       147.88       161.65       200.38       242.17       329.43
    Util.--Natural                                                                                              
     gas (own vac.)..         1.22         0.16         0.30         0.97         0.49         0.50         5.32
    Util.--Natural                                                                                              
     gas (rented                                                                                                
     vac.)...........         0.08         0.00         0.09         0.05         0.15         0.00         0.02
  Electricity........       700.08       578.32       608.01       695.11       801.49       859.67      1048.84
    Electricity                                                                                                 
     (renter)........       169.94       222.94       196.59       197.41       178.88       122.29        74.86
    Electricity (own                                                                                            
     home)...........       524.87       350.24       408.24       493.70       618.75       733.65       957.87
    Electricity (own                                                                                            
     vac.)...........         5.03         4.75         2.86         3.92         3.40         3.70        15.87
    Electricity                                                                                                 
     (rented vac.)...         0.25         0.39         0.32         0.09         0.45         0.02         0.25
  Fuel oil and other                                                                                            
   fuels.............        94.02        76.70        81.76        99.42        92.78       114.59       128.02
    Fuel oil.........        55.60        38.86        47.89        54.62        53.00        82.53        89.36
      Fuel oil                                                                                                  
       (renter)......         5.21         5.93         6.49         5.91         6.38         3.26         4.78
      Fuel oil (own                                                                                             
       home).........        49.96        32.34        41.40        48.50        46.57        79.27        82.89
      Fuel oil (own                                                                                             
       vac.).........         0.38         0.59         0.00         0.21         0.05         0.00         1.69
      Fuel oil                                                                                                  
       (rented vac.).         0.06         0.00         0.00         0.00         0.00         0.00         0.00
    Coal.............         3.50         6.85         0.57         6.20         3.64         5.23         0.33
      Coal (renter)..         0.55         1.20         0.20         0.94         0.98         0.00         0.00
      Coal (own home)         2.95         5.66         0.37         5.26         2.66         5.23         0.33
      Coal (own vac.)         0.00         0.00         0.00         0.00         0.00         0.00         0.00
      Coal (rented                                                                                              
       vac.).........         0.00         0.00         0.00         0.00         0.00         0.00         0.00
    Bottled gas......        24.48        22.49        23.52        28.34        23.75        17.90        23.47
      Gas, bottled/                                                                                             
       tank (renter).         3.78         5.78         4.73         2.54         3.06         0.69         2.10
      Gas, bottled/                                                                                             
       tank (own                                                                                                
       home).........        18.58        15.77        17.30        24.49        19.10        12.94        15.42
      Gas, bottled/                                                                                             
       tank (own                                                                                                
       vac.).........         2.12         0.93         1.49         1.31         1.59         4.26         5.94
      Gas, bottled/                                                                                             
       tank (rented                                                                                             
       vac.).........         0.00         0.00         0.00         0.00         0.00         0.00         0.00
    Wood and other                                                                                              
     fuels...........        10.43         8.49         9.77        10.26        12.38         8.93        14.87
      Wood/other                                                                                                
       fuels (renter)         1.31         2.07         1.19         1.35         0.64         0.21         1.33
      Wood/other                                                                                                
       fuels (own                                                                                               
       home).........         9.05         6.42         8.57         8.71        11.74         8.64        13.42
      Wood/other                                                                                                
       fuels (own                                                                                               
       vac.).........         0.06         0.00         0.00         0.20         0.00         0.08         0.13
      Wood/other                                                                                                
       fuels (rented                                                                                            
       vac.).........         0.00         0.00         0.00         0.00         0.00         0.00         0.00
  Telephone..........       528.79       425.98       507.41       539.06       590.21       601.80       769.38
  Water and other                                                                                               
   public services...       171.19       118.83       130.68       162.14       193.53       236.49       292.34
    Water/sewerage                                                                                              
     maintenance.....       131.02        91.41        99.79       124.06       150.67       178.26       222.63
      Water/sewer                                                                                               
       maintenance                                                                                              
       (renter)......        18.53        20.04        17.05        22.99        18.20        15.51         8.91
      Water/sewer                                                                                               
       maintenance                                                                                              
       (own home)....       111.57        69.24        82.52       100.46       131.51       161.47       212.17
      Water/sewer                                                                                               
       maintenance                                                                                              
       (own vac.)....         0.83         1.83         0.22         0.52         0.96         1.29         1.43
      Water/sewer                                                                                               
       maintenance                                                                                              
       (rented vac.).         0.09         0.30         0.00         0.08         0.00         0.00         0.13
    Trash/garbage                                                                                               
     collection......        38.67        26.89        29.90        37.16        40.93        55.27        65.76
      Trash/garb.                                                                                               
       collection                                                                                               
       (renter)......         5.28         5.02         4.95         7.21         4.98         5.00         2.97
      Trash/garb.                                                                                               
       collection                                                                                               
       (own home)....        33.31        21.88        24.79        29.91        35.69        50.26        62.64
      Trash/garb.                                                                                               
       collection                                                                                               
       (own vac.)....         0.08         0.00         0.16         0.04         0.25         0.00         0.15
      Trash/garb.                                                                                               
       collection                                                                                               
       (rented vac.).         0.00         0.00         0.00         0.00         0.00         0.00         0.00
    Septic tank                                                                                                 
     cleaning........         1.50         0.52         0.98         0.92         1.94         2.96         3.95
      Septic tank                                                                                               
       cleaning                                                                                                 
       (renter)......         0.01         0.00         0.00         0.00         0.00         0.00         0.00
      Septic tank                                                                                               
       cleaning (own                                                                                            
       home).........         1.48         0.52         0.98         0.91         1.84         2.96         3.95
      Septic tank                                                                                               
       cleaning (own                                                                                            
       vac.).........         0.00         0.00         0.00         0.01         0.00         0.00         0.00
      Septic tank                                                                                               
       cleaning                                                                                                 
       (rented vac.).         0.00         0.00         0.00         0.00         0.00         0.00         0.00
  Household                                                                                                     
   operations........       387.45       200.78       222.83       310.21       448.86       530.72       955.30
    Personal services       176.53        82.78       119.28       166.06       275.08       311.41       321.27
      Babysitting....        74.62        42.11        58.03        85.19       133.19       114.65       115.47
      Care for                                                                                                  
       elderly,                                                                                                 
       invalids,                                                                                                
       handicapped,                                                                                             
       etc...........        11.66         3.93         0.55         4.58         1.46         0.47        24.66
      Day care                                                                                                  
       centers,                                                                                                 
       nursery/presch                                                                                           
       ools..........        90.25        36.75        60.69        76.28       140.43       196.28       181.13
    Other household                                                                                             
     expenses........       210.92       118.00       103.56       144.16       173.78       219.31       634.03
      Housekeeping                                                                                              
       services......        67.76        36.72        22.44        28.84        41.53        50.94       269.17
      Gardening, lawn                                                                                           
       care service..        49.60        27.27        22.86        30.40        31.13        53.69       159.01
      Water softening                                                                                           
       service.......         2.81         2.73         0.76         2.19         2.95         4.10         7.63
      Household                                                                                                 
       laundry/dry                                                                                              
       cleaning, sent                                                                                           
       out (non-                                                                                                
       clothing) not                                                                                            
       coin-operated.         1.63         1.04         0.41         1.66         2.63         2.53         3.39
      Coin-operated                                                                                             
       household                                                                                                
       laundry/dry                                                                                              
       cleaning (non-                                                                                           
       cloth)........         4.78         5.92         5.63         5.41         4.47         6.09         2.27
      Other home                                                                                                
       services......        17.86         4.29         9.02        12.39        13.96        13.96        60.11
      Termite/pest                                                                                              
       control                                                                                                  
       products......         0.20         0.05         0.09         0.09         0.25         0.12         0.21
      Moving,                                                                                                   
       storage,                                                                                                 
       freight                                                                                                  
       express.......        26.46        10.87        10.32        23.78        32.08        46.84        56.17
      Appliance                                                                                                 
       repair, incl.                                                                                            
       service center        16.44         9.82        17.88        18.93        20.85        17.46        25.57
      Reupholstering/                                                                                           
       furniture                                                                                                
       repair........        13.85        10.37         5.31        13.68        15.55        11.69        32.30
      Repairs/rentals                                                                                           
       of lawn/garden                                                                                           
       equipment hand/                                                                                          
       power tools,/                                                                                            
       other                                                                                                    
       household                                                                                                
       equip.........         5.92         4.16         4.59         4.90         6.20         9.08        13.38
      Appliance                                                                                                 
       rental........         2.08         4.33         2.47         1.01         1.16         0.52         0.54
      Rental of                                                                                                 
       office                                                                                                   
       equipment for                                                                                            
       non-business                                                                                             
       use...........         0.17         0.02         0.27         0.04         0.01         0.57         0.46
      *Repair of                                                                                                
       miscellaneous                                                                                            
       household                                                                                                
       equipment and                                                                                            
       furnishings...         0.48         0.00         1.32         0.19         0.02         0.94         0.59
      Rental and                                                                                                
       installation                                                                                             
       of                                                                                                       
       dishwashers,                                                                                             
       range hoods,                                                                                             
       and garbage                                                                                              
       disposals.....         0.00         0.00         0.00         0.00         0.00         0.00         0.00
  Housekeeping                                                                                                  
   supplies..........       382.82       286.29       321.58       383.43       451.24       475.45       670.22
    Laundry and                                                                                                 
     cleaning                                                                                                   
     supplies........       106.44        80.46       104.37       109.27       131.66       129.47       162.63
      *Soaps and                                                                                                
       detergents....        62.10        47.30        60.50        63.11        78.35        77.19        89.28
      *Other laundry                                                                                            
       cleaning                                                                                                 
       products......        44.33        33.16        43.87        46.16        53.30        52.28        73.35
    *Other household                                                                                            
     products........       157.48       125.55       115.86       149.94       183.61       201.65       316.09
      *Cleansing and                                                                                            
       toilet tissue,                                                                                           
       paper towels                                                                                             
       and napkins...        52.12        42.88        45.37        51.88        64.86        67.41        80.71
      *Miscellaneous                                                                                            
       household                                                                                                
       products......        67.89        47.17        44.38        58.26        85.63       108.96       139.90
      *Lawn and                                                                                                 
       garden                                                                                                   
       supplies......        37.47        35.50        26.12        39.79        33.12        25.27        95.48
    *Postage and                                                                                                
     stationery......       118.89        80.28       101.35       124.23       135.97       144.33       191.50
      *Stationery,                                                                                              
       stationery                                                                                               
       supplies,                                                                                                
       giftwrap......        54.40        30.49        36.05        45.35        55.09        74.49       105.20
      *Postage.......        64.49        49.79        65.30        78.88        80.87        69.84        86.30
  Housefurnishings                                                                                              
   and equipment.....      1102.32       552.14       720.38       982.28      1385.76      1612.00      2590.97
    Household                                                                                                   
     textiles........        97.11        50.30        81.09        96.28       104.56       122.28       220.32
      *Bathroom                                                                                                 
       linens........        13.69         5.45        19.92         9.71        18.83        13.05        30.80
      *Bedroom linens        38.11        28.28        35.77        36.81        33.56        50.47        77.56
      *Kitchen and                                                                                              
       dining room                                                                                              
       linens........         5.74         4.52         2.63         4.03         6.56         7.12        15.73
      *Curtains and                                                                                             
       draperies.....        26.56         5.34        12.12        28.90        26.44        39.44        71.25
      *Slipcovers,                                                                                              
       decorative                                                                                               
       pillows.......         1.64         0.68         2.26         1.33         2.64         1.28         3.18
      *Sewing                                                                                                   
       materials for                                                                                            
       slipcovers,                                                                                              
       curtains other                                                                                           
       sewing                                                                                                   
       materials for                                                                                            
       home use......        10.32         4.80         7.95        14.65        15.39         9.43        19.15
      Other linens...         1.05         1.25         0.43         0.84         1.13         1.50         2.65
    Furniture........       319.44       139.36       204.72       261.90       378.37       433.38       861.57
      Mattress and                                                                                              
       springs.......        41.86        18.62        32.81        39.28        57.01        62.91        93.05
      Other bedroom                                                                                             
       furniture.....        39.75        13.71        29.56        22.88        52.21        62.05       107.77
      Sofas..........        65.44        37.30        40.98        58.54        83.34       108.08       144.37
      Living room                                                                                               
       chairs........        35.91        24.89        27.22        40.43        31.79        44.77        80.20
      Living room                                                                                               
       tables........        20.16         6.73        15.46        15.21        26.54        27.03        50.94
      Kitchen/dining                                                                                            
       room furniture        58.64        14.86        34.82        22.79        61.09        56.39       226.46
      Infants'                                                                                                  
       furniture.....         7.01         2.15         5.04         4.57         8.94        14.79        16.63
      Outdoor                                                                                                   
       furniture.....        12.57         1.62         3.51        12.51        10.65        19.59        41.43
      Occasional                                                                                                
       furniture.....        38.12        19.48        15.32        45.67        46.80        37.77       100.73
    Floor coverings..        70.23        18.41        29.79        74.77       110.80       113.46       164.89
      Wall-to-wall                                                                                              
       carpet                                                                                                   
       (renter)......         2.41         5.97         2.25         2.15         3.86         2.30         0.40
        Wall-to-wall                                                                                            
         carpet,                                                                                                
         installed.                                                                                             
         (renter)....         1.73         5.73         1.18         0.70         3.14         1.74         0.11
        Wall-to-wall                                                                                            
         carpet, not                                                                                            
         installed                                                                                              
         carpet                                                                                                 
         squares                                                                                                
         (renter)....         0.68         0.24         1.07         1.45         0.72         0.56         0.28
      Wall-to-wall                                                                                              
       carpet                                                                                                   
       (replacement)                                                                                            
       (own home)....        42.57         7.88        22.82        47.02        42.12        67.79       119.96
        Wall-to-wall                                                                                            
         carpet, not                                                                                            
         installed                                                                                              
         (replacement                                                                                           
         ), carpet                                                                                              
         squares (own                                                                                           
         home).......         3.04         0.00         1.67         2.54         5.12         1.77        10.38
        Wall-to-wall                                                                                            
         carpet,                                                                                                
         installed                                                                                              
         (replacement                                                                                           
         ) (own home)        39.53         7.88        21.16        44.48        37.00        66.02       109.58
    *Room size rugs                                                                                             
     and other floor                                                                                            
     covering, non-                                                                                             
     permanent.......        25.25         4.56         4.71        25.60        64.82        43.36        44.54
    Major appliances.       172.90       107.05       138.91       169.54       213.08       240.59       328.70
      Dishwashers                                                                                               
       (built-in)                                                                                               
       garbage                                                                                                  
       disposals,                                                                                               
       range hoods,                                                                                             
       (renter)......         0.24         0.14         0.00         0.13         0.00         1.78         0.28
      Diswashers                                                                                                
       (built-in),                                                                                              
       garbage                                                                                                  
       disposals                                                                                                
       range hoods,                                                                                             
       (own home)....        10.05         2.93         8.48         9.60        10.34        17.42        24.58
      Refrigerators/f                                                                                           
       reezers                                                                                                  
       (renter)......        11.18         9.98        16.09        15.96        17.11         7.86         6.21
      Refrigerators/f                                                                                           
       reezers (own                                                                                             
       home).........        39.29        12.75        24.85        37.05        50.93        48.84        96.50
      Washing                                                                                                   
       machines                                                                                                 
       (renter)......         6.56         8.33         5.97         6.26         7.85         5.99         7.42
      Washing                                                                                                   
       machines (own                                                                                            
       home).........        17.96         8.84        12.50        16.47        23.46        26.73        32.83
      Clothes dryers                                                                                            
       (renter)......         4.18         5.20         4.27         2.33         5.33         9.24         4.43
      Clothes dryers                                                                                            
       (own home)....        10.35         3.96         8.24         9.93        13.04        22.44        17.97
      Cooking stoves/                                                                                           
       ovens (renter)         2.87         3.80         0.69         4.28         8.30         2.05         0.50
      Cooking stoves/                                                                                           
       ovens (own                                                                                               
       home).........        19.55         8.87        11.48        14.47        26.94        30.02        47.04
      Microwave ovens                                                                                           
       (renter)......         4.47         6.49         6.79         5.39         5.42         6.13         1.75
      Microwave ovens                                                                                           
       (own home)....         9.81         3.73         7.84         9.58        13.37        11.76        23.72
      Portable                                                                                                  
       dishwasher                                                                                               
       (renter)......         0.31         0.00         2.28         0.26         0.23         0.00         0.00
      Portable                                                                                                  
       dishwasher                                                                                               
       (own home)....         1.33         1.60         0.00         0.96         0.00         3.87         4.10
      Window air                                                                                                
       conditioners                                                                                             
       (renter)......         2.43         2.03         1.99         4.99         0.60         0.52         0.54
      Window air                                                                                                
       conditioners                                                                                             
       (own home)....         8.23         8.15         6.37         5.72         8.06         3.73        17.42
      Electric floor                                                                                            
       cleaning                                                                                                 
       equipment.....        14.62         9.85         9.39        19.58        17.20        17.77        25.74
      Sewing machines         6.08         4.29         9.26         6.21         2.84         8.29        13.83
      *Miscellaneous                                                                                            
       household                                                                                                
       appliances....         3.39        *6.12         2.43         0.39         2.08        16.15         3.82
    Small appliances,                                                                                           
     misc. housewares        60.51        39.82        37.60        46.50        71.00        77.96       148.46
      Housewares.....        39.14        25.14        21.57        26.52        45.46        47.51       105.70
        Plastic                                                                                                 
         dinnerware..         1.83         1.88         0.75         1.96         1.66         3.77         3.11
        China and                                                                                               
         other                                                                                                  
         dinnerware..        10.31         5.50         4.06         7.51        16.10        15.23        23.76
        Flatware.....         3.44         1.31         1.62         3.30         2.32         3.40        11.15
        *Glassware...         9.79         2.40         3.19         4.54        11.70         9.13        36.70
        *Silver                                                                                                 
         serving                                                                                                
         pieces......         0.27         1.17         0.01         0.03         0.05         1.04         0.11
        Other serving                                                                                           
         pieces......         1.36         0.72         1.22         1.19         1.11         1.49         3.23
        *Nonelectric                                                                                            
         cookware....        12.14        12.16        10.73         7.98        12.53        13.45        27.64
        Small                                                                                                   
         appliances..        21.37        14.69        16.03        19.98        25.54        30.44        42.76
          Small                                                                                                 
           electric                                                                                             
           kitchen                                                                                              
           appliances        14.17         9.18         8.45        13.81        17.74        21.71        29.49
          Portable                                                                                              
           heating/co                                                                                           
           oling                                                                                                
           equipment.         7.20         5.50         7.58         6.17         7.80         8.73        13.26
        Miscellaneous                                                                                           
         household                                                                                              
         equipment...       382.11       197.19       228.27       333.29       507.95       624.34       867.02
          Window                                                                                                
           coverings.        13.72         6.79         5.05        11.17        14.42        17.90        42.34
          *Infants'                                                                                             
           equipment.         3.77         2.50         0.85         4.72         3.47         2.88        11.27
          *Laundry                                                                                              
           and                                                                                                  
           cleaning                                                                                             
           equip.....         8.52         3.29        10.67         6.53        12.57         7.17        20.96
          Outdoor                                                                                               
           equipment.         4.73         0.95         2.82         5.19         5.02         9.89        10.42
          Clocks.....         5.46         1.68        10.69         4.27         3.57         7.24        10.26
          *Lamps and                                                                                            
           lighting                                                                                             
           fixtures..        28.40        48.71         9.81        21.24        50.72        42.07        46.18
          *Other                                                                                                
           household                                                                                            
           decorative                                                                                           
           items.....        80.30        34.55        27.19        64.72       147.93       129.25       186.25
          *Telephones                                                                                           
           and                                                                                                  
           accessorie                                                                                           
           s.........         7.25         2.85         1.81         8.51         6.18         4.09        23.72
          Lawn and                                                                                              
           garden                                                                                               
           equipment.        49.12        12.59        51.04        40.12        60.08       100.17        92.96
          Power tools        14.39         4.43         4.76        19.44        15.74        26.15        31.17
          *Small                                                                                                
           misc.                                                                                                
           furnishing                                                                                           
           s.........         3.39         0.04         0.00         1.23        19.77         2.50         3.08
          *Hand tools        13.67         3.23         6.51        12.61        23.57        42.42        18.17
          *Indoor                                                                                               
           plants,                                                                                              
           fresh                                                                                                
           flowers...        41.42        25.97        31.91        24.78        34.12        74.01       110.87
          *Closet and                                                                                           
           storage                                                                                              
           items.....         4.62         0.89         0.73         1.25         4.26         4.50        18.01
          Furniture                                                                                             
           rental....         3.02         2.83         3.13         2.49         1.75         2.14         3.24
          Luggage....         8.72         1.79         6.85         6.02         9.30        14.24        23.99
          Computers                                                                                             
           for home                                                                                             
           use.......         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Telephone                                                                                             
           answering                                                                                            
           devices...         4.23         1.77         3.22         3.95         3.81         8.37         8.57
          Calculators         1.99         1.30         1.24         1.72         2.23         3.74         3.12
          Business                                                                                              
           equipment                                                                                            
           for home                                                                                             
           use.......         6.20         1.88         3.84         5.13         9.35         7.42        15.40
          *Other                                                                                                
           hardware..         6.95         3.22         6.91         8.51         5.72         7.15        18.71
          Smoke                                                                                                 
           alarms                                                                                               
           (own home)         0.54         0.04         1.50         0.53         0.90         0.64         0.55
          Smoke                                                                                                 
           alarms                                                                                               
           (renter)..         0.15         0.00         0.05         0.23         0.06         0.02         0.61
          Smoke                                                                                                 
           alarms                                                                                               
           (own vac.)         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Other                                                                                                 
           household                                                                                            
           appliances                                                                                           
           (own home)         4.25         3.99         1.52         4.45         2.27         7.43         9.60
          Other                                                                                                 
           household                                                                                            
           appliances                                                                                           
           (renter)..         1.35         2.61         4.35         2.07         0.54         0.68         0.12
          *Miscellane                                                                                           
           ous                                                                                                  
           hsehold                                                                                              
           equipment                                                                                            
           and part..        18.73        14.19         7.56        20.24        27.91        25.99        37.99
    Apparel and                                                                                                 
     services........      1537.27       886.12      1085.66      1406.15      1847.24      2396.00      3154.03
      Men and boys...       400.67       196.95       260.75       349.53       429.04       666.47       943.93
        Men, 16 and                                                                                             
         over........       318.80       142.16       202.12       271.44       340.48       533.15       772.68
          Men's suits        41.20        15.86        13.23        30.69        36.93        63.99       133.12
          Men's                                                                                                 
           sportcoats        15.57         3.80         5.33         7.90        17.97        25.65        53.04
          *Men's                                                                                                
           coats and                                                                                            
           jackets...        29.30         8.90        10.79        22.27        26.54        54.07        86.61
          *Men's                                                                                                
           underwear.         9.72         9.49         9.05         7.71        13.05        10.40        17.16
          *Men's                                                                                                
           hosiery...        10.34         8.58         9.08         9.30        11.24        20.53        17.50
          *Men's                                                                                                
           nightwear.         2.89         1.31         0.88         4.49         4.01         1.80         6.37
          *Men's                                                                                                
           accessorie                                                                                           
           s.........        22.88        10.30        14.64        15.23        20.45        47.19        56.32
          Men's                                                                                                 
           sweaters                                                                                             
           and vests.        17.65         7.09         7.08        13.16        18.88        25.26        50.07
          Men's                                                                                                 
           active                                                                                               
           sportswear        12.10         4.80         5.65        11.75        13.46        18.24        29.17
          *Men's                                                                                                
           shirts....        74.17        45.37        55.60        68.02        88.29       133.41       139.09
          *Men's                                                                                                
           pants.....        70.76        22.61        60.87        65.68        75.41       105.22       163.08
          *Men's                                                                                                
           shorts/sho                                                                                           
           rt sets...         8.29         2.05         6.73        12.56         9.31        20.61        12.89
          Men's                                                                                                 
           uniforms..         3.16         4.22         2.88         2.05         4.00         6.58         6.18
          Men's other                                                                                           
           clothing..         0.77         0.80         0.31         0.62         0.95         0.18         2.09
        Boys', 2 to                                                                                             
         15..........        81.86        54.79        58.63        78.09        88.56       133.33       171.25
          *Boys'                                                                                                
           coats and                                                                                            
           jackets...         9.48         1.51        13.68        10.54         5.87        10.64        23.83
          Boys'                                                                                                 
           sweaters..         3.73         2.44         2.14         2.37         5.37         3.86         8.97
          *Boys'                                                                                                
           shirts....        20.55        11.99        14.46        15.76        26.30        45.42        39.42
          *Boys'                                                                                                
           underwear.         1.55         0.53         0.89         1.61         4.81         1.15         2.25
          *Boys'                                                                                                
           nightwear.         2.79         2.28         1.04         4.28         3.30         6.20         2.71
          *Boys'                                                                                                
           hosiery...         3.99         4.43         3.84         4.63         3.97         2.81         7.29
          *Boys'                                                                                                
           accessorie                                                                                           
           s.........         2.77         0.27         1.74         1.61         1.39         6.89         7.66
          *Boys'                                                                                                
           suits,                                                                                               
           sportcoats                                                                                           
           , vests...         3.00         1.85         0.38         2.93         1.45        11.49         6.29
          *Boys'                                                                                                
           pants.....        24.70        25.03        16.95        26.51        23.64        25.99        53.32
          *Boys'                                                                                                
           shorts,                                                                                              
           short sets         3.91         1.70         0.58         3.69         5.66         8.08         6.96
          Boys'                                                                                                 
           uniforms/a                                                                                           
           ctive                                                                                                
           sportwear.         5.10         2.59         2.69         3.84         6.38        10.48        11.92
          Boys' other                                                                                           
           clothing..         0.29         0.17         0.22         0.31         0.43         0.32         0.63
      Women and girls       608.90       353.66       425.05       550.45       771.19       950.02     1,190.33
        Women, 16 and                                                                                           
         over........       509.83       281.24       376.82       458.04       648.56       773.35       992.62
          *Women's                                                                                              
           coats and                                                                                            
           jackets...        33.49         9.89        12.77        21.91        41.71        80.18        66.72
          *Women's                                                                                              
           dresses...        83.27        47.32        56.32        65.67        81.62       111.38       185.83
          *Women's                                                                                              
           sportcoats                                                                                           
           , tail.                                                                                              
           jkts......         0.84         0.19         0.68         0.04         0.11         2.69         1.44
          *Women's                                                                                              
           vests and                                                                                            
           sweaters..        36.74        23.54        35.67        42.26        35.17        62.71        63.75
          *Women's                                                                                              
           shirts,                                                                                              
           tops,                                                                                                
           blouses...        85.55        43.28        80.86        72.57       113.40       126.51       156.36
          *Women's                                                                                              
           skirts....        29.28        17.84        18.33        25.37        22.72        59.17        65.45
          *Women's                                                                                              
           pants.....        66.85        33.21        51.28        64.99       108.85        94.87       107.29
          *Women's                                                                                              
           shorts,                                                                                              
           shorts                                                                                               
           sets......        14.23        10.23        11.73        11.30        21.45        27.91        22.87
          *Women's                                                                                              
           active                                                                                               
           sportswear        23.13        13.05        13.34        24.37        46.07        37.59        33.33
          *Women's                                                                                              
           sleepwear.        22.57        14.68        22.62        23.09        28.70        16.87        49.94
          *Women's                                                                                              
           undergarme                                                                                           
           nts.......        24.38        16.17        21.05        21.01        35.71        28.83        45.68
          Women's                                                                                               
           hosiery...        25.85        17.40        22.30        25.51        32.18        34.56        46.47
          Women's                                                                                               
           suits.....        28.04        14.06         9.24        24.03        36.52        32.30        75.08
          *Women's                                                                                              
           accessorie                                                                                           
           s.........        34.46        20.38        20.56        32.04        43.27        54.45        72.36
          *Women's                                                                                              
           uniforms..         1.15         0.01         0.06         3.88         1.06         3.32         0.05
          *Women's                                                                                              
           other                                                                                                
           clothing..         0.00         0.00         0.00         0.00         0.00         0.00         0.00
        Girls, 2 to                                                                                             
         15..........        99.08        72.42        48.23        92.41       122.63       176.67       197.71
          Girls'                                                                                                
           coats and                                                                                            
           jackets...         7.95         4.80         3.68        10.81         8.51        12.90        13.03
          Girls'                                                                                                
           dresses,                                                                                             
           suits.....        12.02         7.84         8.53        10.60        14.15        20.78        24.03
          *Girls'                                                                                               
           shirts/blo                                                                                           
           uses/sweat                                                                                           
           er........        30.19        20.94         4.47        28.93        36.40        55.73        67.22
          Girls'                                                                                                
           skirts,                                                                                              
           pants.....        16.37        11.46        12.37        15.81        23.92        24.70        27.91
          Girls'                                                                                                
           shorts,                                                                                              
           shorts                                                                                               
           sets......         6.41         4.52         5.81         7.25         7.10        12.03         9.62
          *Girls'                                                                                               
           active                                                                                               
           sportswear         9.32         9.69         3.04         6.23         9.77        22.73        19.94
          Girls'                                                                                                
           underwear                                                                                            
           and                                                                                                  
           sleepwear.         5.92         4.52         4.77         5.32         8.10         8.51        11.05
          *Girls'                                                                                               
           hosiery...         4.88         3.68         3.11         3.94         7.41        11.90         6.67
          *Girls'                                                                                               
           accessorie                                                                                           
           s.........         4.08         4.34         2.19         2.18         3.59         5.04        12.81
          Girls'                                                                                                
           uniforms..         1.46         0.39         0.23         0.81         2.79         1.17         4.59
          Girls'                                                                                                
           other                                                                                                
           clothing..         0.48         0.25         0.05         0.53         0.87         1.19         0.84
        Children                                                                                                
         under 2.....        63.60        41.35        40.49        68.75        96.77       104.17        95.15
        Infant coat/                                                                                            
         jacket/snows                                                                                           
         uit 9b......         3.02         1.59         2.64         2.53         5.41         3.43         4.94
        Infant coat/                                                                                            
         jacket/snows                                                                                           
         uit 9a......         0.15         0.00         0.04         0.17         0.25         0.35         0.24
        Infant                                                                                                  
         dresses/oute                                                                                           
         rwear 9b....        14.57         9.48        10.69        16.01        19.55        21.14        25.84
        Infant                                                                                                  
         dresses/oute                                                                                           
         rwear 9a....         0.41         0.43         0.21         0.34         0.66         0.50         0.79
        *Infants'                                                                                               
         underwear...        36.68        25.00        21.97        40.50        58.19        65.47        47.23
        Infant                                                                                                  
         nightwear/lo                                                                                           
         ungewear 9b.         3.13         2.02         1.45         3.83         4.73         4.36         5.20
        Infant                                                                                                  
         nightwear/lo                                                                                           
         ungewear 9a.         0.06         0.01         0.00         0.10         0.07         0.12         0.12
        Infant other                                                                                            
         clothing....         2.10         1.42         1.31         1.57         2.80         3.21         4.66
        Infant                                                                                                  
         accessories                                                                                            
         9b..........         3.06         1.25         1.81         3.48         4.31         4.82         5.33
        Infant                                                                                                  
         accessories                                                                                            
         9a..........         0.00         0.00         0.00         0.01         0.02         0.01         0.00
        Infant                                                                                                  
         hosiery.....         0.41         0.17         0.37         0.22         0.76         0.76         0.80
      *Footwear......       204.13       141.42       205.46       203.00       253.61       332.12       299.98
        *Men's,                                                                                                 
         footwear....        62.95        41.07        76.93        78.61        78.10       109.06        72.77
        *Boys',                                                                                                 
         footwear....        18.19        16.18         9.58        16.18        30.82        14.64        32.55
        *Women's                                                                                                
         footwear....       104.54        64.84       110.99        97.66       124.35       156.11       162.71
        *Girls'                                                                                                 
         footwear....        18.46        19.33         7.97        10.56        20.33        52.31        31.94
      Other apparel                                                                                             
       products and                                                                                             
       services......       259.97       152.73       153.92       234.41       296.64       343.22       624.63
        Material for                                                                                            
         making                                                                                                 
         clothes.....         8.12         6.03         5.93         9.10         8.26        10.87        15.93
        Sewing                                                                                                  
         patterns and                                                                                           
         notions.....         2.15         1.44         1.04         2.22         2.75         2.87         3.65
        Watches......        21.65        13.67        15.33        17.82        29.45        32.67        45.59
        Jewelry......       110.35        54.93        47.33        94.40       127.09       153.93       318.74
        Shoe repair,                                                                                            
         other shoe                                                                                             
         service.....         3.46         1.31         2.01         3.19         4.34         4.75         8.11
        Coin-operated                                                                                           
         apparel                                                                                                
         laundry/dry                                                                                            
         clean.......        34.25        43.52        46.88        41.09        28.11        27.33        12.67
        Apparel                                                                                                 
         alteration                                                                                             
         and repair..         6.05         3.29         2.54         4.69         6.48         6.95        16.68
        Clothing                                                                                                
         rental......         4.77         2.56         2.20         7.80         5.77         4.83         8.96
        Watch and                                                                                               
         jewelry                                                                                                
         repair......         5.72         2.66         3.10         5.51         8.94        10.91        10.88
        Apparel                                                                                                 
         laundry/dry                                                                                            
         clean not                                                                                              
         coin oper...        62.72        23.14        27.47        47.83        74.68        86.84       181.00
        Clothing                                                                                                
         storage.....         0.75         0.19         0.10         0.77         0.78         1.26         2.42
    Transportation...     5,140.21     3,127.01     3,840.91     5,302.92     6,704.50     7,779.21     9,714.71
      Vehicle                                                                                                   
       purchases (net                                                                                           
       outlay).......     2,388.19     1,413.38     1,745.63     2,485.58     3,248.39     3,839.91     4,573.46
        Cars and                                                                                                
         trucks, new.     1,391.73       565.06       984.79     1,223.08     1,894.51     2,685.18     3,007.38
          New cars...       991.60       472.12       675.40       782.66     1,565.37     1,777.93     2,163.34
          New trucks.       400.13        92.94       309.39       440.42       329.13       907.25       844.04
        Cars and                                                                                                
         trucks, used       971.12       831.68       750.44     1,221.87     1,330.29     1,132.30     1,504.86
          Used cars..       754.27       641.07       616.47       863.43       974.26       926.36     1,287.37
          Used trucks       216.85       190.61       133.97       358.44       356.03       205.94       217.49
        Other                                                                                                   
         vehicles....        25.34        16.65        10.40        40.63        23.59        22.43        61.22
          New                                                                                                   
           motorcycle                                                                                           
           s.........         5.21         0.00         0.00        15.11         0.00         0.55        15.23
          New                                                                                                   
           aircraft..         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Used                                                                                                  
           motorcycle                                                                                           
           s.........        15.86        16.65        10.40        25.53        23.59        21.88        17.57
          Used                                                                                                  
           aircraft..         4.27         0.00         0.00         0.00         0.00         0.00        28.42
      Gasoline and                                                                                              
       motor oil.....       933.90       639.11       801.58       974.84     1,189.53     1,328.42     1,459.88
        Gasoline.....       812.03       563.62       700.74       860.76     1,037.67     1,152.21     1,237.62
        Diesel fuel..        12.01         5.55         5.31         7.50        16.98        13.33        35.10
        Gasoline on                                                                                             
         out of town                                                                                            
         trips.......        96.47        58.26        82.01        92.50       118.25       145.52       171.41
        *Gasahol.....         0.00         0.00         0.00         0.00         0.00         0.00         0.00
        Motor oil....        12.55        10.76        12.86        13.24        15.80        16.23        14.25
        Motol oil on                                                                                            
         out of town                                                                                            
         trips.......         0.85         0.91         0.66         0.83         0.82         1.13         1.49
      Other vehicle                                                                                             
       expenses......     1,552.56       922.69     1,137.30     1,603.36     1,972.84     2,290.12     3,046.42
        Vehicle                                                                                                 
         finance                                                                                                
         charges.....       284.70       107.09       172.61       293.49       397.69       485.81       611.95
          Automobile                                                                                            
           finance                                                                                              
           charges...       196.25        83.07       140.63       200.40       275.36       306.48       412.11
          Truck                                                                                                 
           finance                                                                                              
           charges...        71.94        21.29        29.70        77.35       107.00       155.35       144.14
          Motorcycle                                                                                            
           and plane                                                                                            
           finance                                                                                              
           charges...         1.67         0.12         0.39         1.51         3.20         4.92         2.34
          Other                                                                                                 
           vehicle                                                                                              
           finance                                                                                              
           charges...        14.85         2.61         1.89        14.24        12.13        19.06        53.37
        Maintenance                                                                                             
         and repairs.       568.66       405.19       449.94       610.06       656.51       783.55     1,055.81
          Coolant/add                                                                                           
           itives/bra                                                                                           
           kes, trans                                                                                           
           fluids....         7.15         5.91         7.62         7.65         8.94         9.47         8.01
          Tires......        86.22        55.96        70.42        84.47       115.02       134.28       144.92
          *Parts/equi                                                                                           
           p/accessor                                                                                           
           ies.......        86.80        99.08        46.21        92.07       110.88        99.54       169.51
          *Vehicle                                                                                              
           products..         3.92         2.28         2.52         4.57         6.07         5.55         7.35
          *Misc. auto                                                                                           
           repair/ser                                                                                           
           vicing....        17.18         9.56        10.82        27.74        18.43        28.65        24.87
          Body work..        34.71        22.67        29.98        38.37        32.79        33.62        84.44
          Clutch,                                                                                               
           transmissi                                                                                           
           on repair.        34.54        16.04        32.54        41.79        43.59        42.05        61.22
          Drive train                                                                                           
           repair....         7.58         1.64         4.70        12.07         6.41        10.31        16.45
          Brake work.        33.05        19.72        23.74        32.66        38.01        48.21        61.30
          Steering                                                                                              
           repair....        11.64         7.18        10.27        12.11        10.17        23.19        18.63
          Cooling                                                                                               
           system                                                                                               
           repair....        22.87        17.79        23.71        21.85        24.60        31.59        42.28
          Motor tune-                                                                                           
           up........        40.07        26.28        29.50        35.55        42.71        54.54        91.82
          Lubrication                                                                                           
           , oil                                                                                                
           change....        24.67        17.90        21.17        24.21        30.88        32.99        45.55
          Front end                                                                                             
           alignment,                                                                                           
           wheel                                                                                                
           balance...         9.30         4.12         8.02         9.91        12.59        11.68        18.51
          Shock                                                                                                 
           absorber                                                                                             
           replacemen                                                                                           
           t.........         6.01         2.55         3.04         7.11         5.80         7.10        15.43
          Brake                                                                                                 
           adjustment         4.75         1.22         3.57         4.86         5.29         6.43        11.02
          *Gas tank                                                                                             
           repair,                                                                                              
           replacemen                                                                                           
           t.........         0.09         0.00         0.01         0.01         0.01         0.02         0.52
          Minor                                                                                                 
           repair/ser                                                                                           
           ve out-of-                                                                                           
           town trip.         1.92         0.42         0.77         2.78         1.01         5.41         2.84
          Repair                                                                                                
           tires and                                                                                            
           other                                                                                                
           repair                                                                                               
           work......        29.23        18.16        24.27        31.48        33.68        43.76        48.81
          Exhaust                                                                                               
           system                                                                                               
           repair....        14.55         6.71        18.06        16.15        16.86        22.09        19.92
          Electrical                                                                                            
           system                                                                                               
           repair....        20.35        12.22        15.61        22.14        19.66        34.50        34.88
        Motor repair/                                                                                           
         replacement.        63.53        51.77        55.00        71.06        62.61        82.11       112.89
        Auto repair                                                                                             
         service                                                                                                
         policy......         8.54         6.01         8.38         9.44        10.51        16.46        14.61
      Vehicle                                                                                                   
       insurance.....       515.06       314.32       409.50       544.70       665.71       728.25       958.57
        Vehicle                                                                                                 
         rental                                                                                                 
         licenses and                                                                                           
         other                                                                                                  
         charges.....       184.14        96.11       105.26       155.11       252.94       292.51       420.08
          Leased and                                                                                            
           rented                                                                                               
           vehicles..        68.54        25.20        27.47        42.79        96.33       124.51       195.33
          Auto rental        44.36        19.82        22.04        28.67        65.00        90.57       110.70
          Auto                                                                                                  
           rental,                                                                                              
           out-of-                                                                                              
           town trips         6.78         4.07         3.64         4.97         5.28        15.25        18.62
          Truck                                                                                                 
           rental....        12.51         0.54         1.21         6.70        22.25        13.41        45.18
          Truck                                                                                                 
           rental,                                                                                              
           out-of-                                                                                              
           town trip.         3.99         0.77         0.23         1.77         2.33         4.78        17.45
          Motorcycle                                                                                            
           rental....         0.00         0.00         0.00         0.00         0.00         0.00         0.00
          Aircraft                                                                                              
           rental....         0.47         0.00         0.00         0.09         1.45         0.26         1.54
          Motorcycle                                                                                            
           rental out-                                                                                          
           of-town...         0.04         0.00         0.00         0.00         0.00         0.00         0.26
          Aircraft                                                                                              
           rental/out-                                                                                          
           of-town                                                                                              
           trips.....         0.40         0.00         0.35         0.59         0.01         0.22         1.58
        State/local                                                                                             
         registration        67.04        45.21        49.91        70.39        96.23        99.31       112.03
        Drivers                                                                                                 
         license.....         6.59         5.47         6.43         6.62         9.23         7.71         9.58
        Vehicle                                                                                                 
         inspection..         6.33         5.13         4.52         6.17         8.61         9.70         9.56
        Parking fees.        20.50         8.41         7.38        14.30        23.35        30.90        59.74
        *Tolls.......         5.96         0.92         2.04         6.67         6.82         7.92        18.48
        Tolls on out-                                                                                           
         of-town                                                                                                
         trips.......         4.12         1.80         2.31         3.79         5.39         6.29         9.05
        Towing                                                                                                  
         charges.....         5.05         3.97         5.21         4.38         6.97         6.18         6.32
      Public                                                                                                    
       transportation       265.56       151.82       156.40       239.14       293.73       320.76       634.96
        Airline fares       176.01        79.22        89.55       158.79       193.56       232.90       471.55
        Intercity bus                                                                                           
         fares.......        14.30        11.67         7.13        12.41        27.86        10.82        14.74
        Intracity                                                                                               
         mass transit                                                                                           
         fares.......        41.07        44.70        42.94        38.53        32.98        34.12        64.33
        Local trans.                                                                                            
         out of town                                                                                            
         trips.......         0.54         0.20         0.15         0.50         0.65         1.04         1.21
        Taxi fares on                                                                                           
         trips.......         4.86         1.76         1.32         4.47         5.86         9.39        10.88
        Taxi fares...         5.89         5.76         5.59         6.42         8.41         3.74         7.36
        Intercity                                                                                               
         train fares.         9.04         3.31         6.07         8.18         4.87        14.49        22.78
        Ship fares...        13.00         4.30         3.37         9.46        19.05        12.55        39.62
        School bus...         0.86         0.91         0.29         0.38         0.49         1.70         2.48
    Health care......      1282.43      1385.50      1299.71      1328.49      1367.25      1531.77      1568.44
      Health                                                                                                    
       insurance.....       473.36       480.42       474.00       537.14       475.48       543.90       518.80
        Commercial                                                                                              
         health                                                                                                 
         insurance...       165.28       118.03       170.96       208.24       195.72       255.42       207.76
        Blue Cross/                                                                                             
         Blue Shield.       116.52       120.47       102.86       127.18       114.09       111.37       146.61
        Health                                                                                                  
         maintenance                                                                                            
         plans                                                                                                  
         (HMO's).....        48.48        27.40        44.11        57.95        67.51        84.53        66.81
        Medicare                                                                                                
         payments....        78.60       130.87       101.55        71.71        41.13        31.51        32.52
        Commercial                                                                                              
         medicare                                                                                               
         supplements                                                                                            
         and other                                                                                              
         health                                                                                                 
         insurance...        64.48        83.66        54.53        72.07        57.02        61.07        65.10
      Medical                                                                                                   
       services......       512.73       587.65       540.82       487.31       551.59       676.69       701.33
        Physician's                                                                                             
         services....       149.19       147.96       158.15       160.54       202.90       205.76       154.17
        Dental                                                                                                  
         services....       150.89       111.17        96.11       150.62       192.81       211.77       291.66
        Eye care                                                                                                
         services....        22.70        25.67        11.56        24.89        24.45        24.55        37.32
        Service by                                                                                              
         other than                                                                                             
         physicians..        22.62        11.11        10.65        32.64        33.87        28.23        37.72
        Lab test,                                                                                               
         xrays.......        26.78        23.57        29.34        26.95        25.75        28.61        43.93
        Nurse,                                                                                                  
         therapy/misc                                                                                           
         medical                                                                                                
         service.....         4.21         1.24        -3.70         1.59         1.80         1.01        20.02
        Hospital room        54.96        72.02        71.99        50.56        28.43        95.50        82.57
        Hospital                                                                                                
         services                                                                                               
         other than                                                                                             
         room........        26.61        57.38        52.02        28.85        22.89        39.94        -0.69
        Care in                                                                                                 
         convalescent                                                                                           
         or nursing                                                                                             
         home........        40.86       129.58       105.34         4.48         2.60        18.57        14.65
        *Repair of                                                                                              
         medical                                                                                                
         equipment...         0.05         0.00         0.00         0.00         0.00         0.00         0.00
        Other medical                                                                                           
         care                                                                                                   
         services....        13.86         7.94         9.35         6.19        16.09        22.77        20.00
      Drugs..........       225.28       255.13       228.07       243.50       250.24       216.93       231.03
        *Non-                                                                                                   
         prescription                                                                                           
         drugs.......        65.79        71.19        57.80        74.26        86.34        75.99        72.99
        Prescription                                                                                            
         drugs.......       159.49       183.94       170.27       169.24       163.91       140.94       158.04
      Medical                                                                                                   
       supplies......        71.06        62.30        56.83        60.54        89.93        94.24       117.28
        Eyeglasses...        45.18        38.08        36.80        44.92        56.67        64.90        76.60
        *Topicals and                                                                                           
         dressing....        14.40        11.82        10.29        11.38        19.22        24.24        25.72
        Medical                                                                                                 
         equipment                                                                                              
         for general                                                                                            
         use.........         5.29         4.78         4.32         1.83         4.67         4.14         5.12
        Supportive/co                                                                                           
         nval med.                                                                                              
         equip.......         5.70         7.46         4.81         2.02         8.91         0.65         9.30
        Rental of                                                                                               
         medical                                                                                                
         equipment...         0.50         0.16         0.61         0.38         0.47         0.31         0.55
        *Hearing aids         0.00         0.00         0.00         0.00         0.00         0.00         0.00
      Entertainment..      1348.90       802.34       856.00      1191.35      1510.43      1994.64      3148.34
        Fees and                                                                                                
         admissions..       351.99       139.16       185.75       309.51       419.64       525.52       879.59
          Recreation                                                                                            
           expenses,                                                                                            
           out of                                                                                               
           town trips        17.85         6.68         9.72        19.86        20.46        28.40        38.78
          Club                                                                                                  
           membership                                                                                           
           dues and                                                                                             
           fees......        76.68        31.73        44.57        57.91        79.31        90.82       230.17
          Fees for                                                                                              
           participat                                                                                           
           ion sports        46.90        22.19        29.18        46.82        63.52        68.77       102.29
          Participant                                                                                           
           sports out-                                                                                          
           of-town                                                                                              
           trips.....        18.96         5.94         9.50        15.44        23.16        34.10        44.73
          Movie,                                                                                                
           theater,                                                                                             
           opera,                                                                                               
           ballet....        61.08        29.29        33.53        50.31        70.94        82.33       149.40
          Movie, oth                                                                                            
           admissions                                                                                           
           out of                                                                                               
           town......        25.91         9.78        14.04        28.74        35.89        37.17        52.04
          Admission                                                                                             
           to                                                                                                   
           sporting                                                                                             
           events....        19.63         7.38         9.75        17.81        18.39        41.10        46.63
          Admission                                                                                             
           to sports                                                                                            
           events out-                                                                                          
           of-town...        25.91         9.78        14.04        28.74        35.89        37.17        52.04
          Fees for                                                                                              
           recreation                                                                                           
           al                                                                                                   
           lessions..        41.23         9.71        11.70        24.00        51.63        77.27       124.72
          Oth ent                                                                                               
           serv, out-                                                                                           
           of-town                                                                                              
           trip......        17.85         6.68         9.72        19.86        20.46        28.40        38.78
        Television,                                                                                             
         radios and                                                                                             
         sound                                                                                                  
         equipment...       422.50       296.54       322.08       416.12       493.78       576.29       788.05
          Televisions       295.95       228.52       244.28       299.91       344.82       398.08       509.85
          Community                                                                                             
           antenna or                                                                                           
           cable tv..       137.94       110.11       118.89       142.38       161.32       184.08       218.51
          *Black and                                                                                            
           white tv..         2.84         0.65         0.00         1.95         0.00         0.00        16.41
          Color tv--                                                                                            
           console...        23.60        16.77        20.77        28.58        27.00        24.27        31.30
          Color tv--                                                                                            
           portable/t                                                                                           
           able model        43.50        36.42        37.50        48.29        39.51        54.93        71.38
          Vcr's/video                                                                                           
           disc                                                                                                 
           players...        47.70        38.08        36.49        41.57        69.42        66.10        95.51
          Video                                                                                                 
           cassettes/                                                                                           
           tapes/disc                                                                                           
           s.........        13.44         8.31         8.72        11.97        18.39        21.56        28.99
          Video games                                                                                           
           hardware/s                                                                                           
           oftware...        14.88         5.40         7.91        16.27        17.25        31.40        29.94
          Repair of                                                                                             
           tv/radio/s                                                                                           
           ound                                                                                                 
           equipment.        10.43         8.54        11.52         8.32        10.43        15.74        17.75
          Rental of                                                                                             
           television                                                                                           
           s.........         1.61         4.24         2.48         0.57         1.49         0.00         0.04
        Radios, sound                                                                                           
         equipment...       126.55        68.03        77.80       116.21       148.96       178.21       278.21
          *Radios....         4.84         1.81         1.57         3.99         7.25         8.26        11.80
          *Phonograph                                                                                           
           s.........         0.53         0.00         0.00         0.00         0.00         0.40         3.36
          *Tape                                                                                                 
           recorders                                                                                            
           and                                                                                                  
           players...        10.50         7.02         7.43         0.51         0.96         9.12        27.49
          Sound                                                                                                 
           components                                                                                           
           /component                                                                                           
           systems...        28.64        22.73        17.34        35.08        23.87        45.24        62.93
          *Misc sound                                                                                           
           equipment.         0.16         0.55         0.09         0.00         0.24         0.00         0.35
          *Sound                                                                                                
           equip                                                                                                
           accessorie                                                                                           
           s.........         4.29         1.46         1.12        12.72         4.33         1.68         6.77
          Record/tape                                                                                           
           club......         4.17         2.18         4.62         3.63         7.45         6.14         5.91
          Records,                                                                                              
           tapes,                                                                                               
           needles,                                                                                             
           styli.....        25.86        14.32        15.10        20.10        29.81        39.90        57.19
          Rental of                                                                                             
           vcr/radio/                                                                                           
           sound                                                                                                
           equip.....         1.59         0.70         1.56         1.98         1.54         0.39         1.40
          Musical                                                                                               
           instrument                                                                                           
           s/accessor                                                                                           
           ies.......        20.58         3.32        12.63        13.86        37.81        24.77        53.28
          Rent/repair                                                                                           
           music                                                                                                
           instrument                                                                                           
           s.........         2.12         0.30         1.16         1.62         1.95         4.09         5.25
          Rental of                                                                                             
           video                                                                                                
           cass./tape                                                                                           
           s/disc/fil                                                                                           
           ms........        23.27        13.65        15.18        22.74        33.76        38.22        42.49
      Pets, toys and                                                                                            
       playground                                                                                               
       equip.........       242.26       134.73       182.82       234.32       336.90       354.45       457.26
        Pets.........       136.31        77.25       119.89       125.55       183.79       180.89       259.08
          *Pet food..        66.61        53.55        46.56        63.13        93.51        83.41       108.50
          *Pet-purch/                                                                                           
           supplies/m                                                                                           
           edicine...        25.23         5.71        43.99        24.37        29.83        28.53        49.96
          Pet                                                                                                   
           services..        10.64         4.26         4.40         9.06        14.74        19.11        26.24
          Vet                                                                                                   
           services..        33.84        13.73        24.94        28.99        45.71        49.75        74.38
        Toys, games,                                                                                            
         hobbies, and                                                                                           
         tricycles...       102.96        57.26        62.55       107.09       149.80       167.96       187.24
        Playground                                                                                              
         equipment...         2.98         0.22         0.38         1.69         3.31         5.69        10.94
      Other                                                                                                     
       entertainment                                                                                            
       supplies,                                                                                                
       equip., serv..       332.16       231.90       165.36       231.39       260.12       538.39      1023.44
        Unmotor boats                                                                                           
         and trailers        24.02         2.29         0.00        22.31         7.09        46.24        96.99
          Boats w/o                                                                                             
           motor/boat                                                                                           
           trailers..        18.32         1.83         0.00        18.35         4.76        33.83        73.57
                                                                                                                
          Trailer/oth                                                                                           
           er                                                                                                   
           attachable                                                                                           
           campers...         5.70         0.46         0.00         3.96         2.34        12.41        23.42
        Powered                                                                                                 
         sports                                                                                                 
         vehicles....       137.44       168.02        56.37        51.83        40.89       217.35       510.44
          Motorized                                                                                             
           camper                                                                                               
           coach/othe                                                                                           
           r vehicles        38.79        83.50        11.55         1.65        28.53        22.53       134.38
          Purchase of                                                                                           
           boat with                                                                                            
           motor.....        98.65        84.52        44.82        50.19        12.36       194.81       376.06
        Rental of                                                                                               
         sports                                                                                                 
         vehicles....         2.33         0.00         1.06         1.43         1.14         3.90         8.13
        Rental non-                                                                                             
         camper                                                                                                 
         trailer.....         0.06         0.00         0.00         0.23         0.02         0.00         0.09
        Boat/trailer                                                                                            
         rent out of                                                                                            
         town........         0.94         0.00         0.50         0.02         0.69         3.17         1.94
        Rental camper/                                                                                          
         oth vehicles                                                                                           
         on trips....         0.58         0.00         0.52         0.30         0.24         0.57         2.51
        Rental of                                                                                               
         boat........         0.23         0.00         0.04         0.00         0.00         0.16         1.42
        Rental of                                                                                               
         campers oth                                                                                            
         r.v.........         0.52         0.00         0.00         0.87         0.19         0.00         2.17
      Outboard motors         1.28         1.43         1.35         0.11         0.51         0.22         5.79
      Docking/landing                                                                                           
       fees..........         5.33         0.17         2.51         3.30         3.12         5.73        20.20
      Sports                                                                                                    
       equipment.....        86.67        27.99        52.35        82.59       113.75       136.51       211.99
        Athletic gear/                                                                                          
         game tables/                                                                                           
         ex. equip...        34.85         9.06        26.36        33.84        38.39        61.59        85.92
        Bicycles.....        12.28         5.80         6.60        12.50        17.62        20.21        23.55
        Camping                                                                                                 
         equipment...         3.26         1.35         1.33         1.45         4.94         4.43         9.21
        Hunting and                                                                                             
         fishing                                                                                                
         equipment...        15.91         5.09        11.57        15.40        22.84        24.90        36.25
        Winter sport                                                                                            
         equipment...         4.86         0.94         2.24         3.99         5.69         3.92        16.95
        Water sport                                                                                             
         and misc.                                                                                              
         sport                                                                                                  
         equipment...        13.20         3.66         4.03        12.31        22.46        17.71        34.87
        Rental/repair                                                                                           
         of misc                                                                                                
         sports                                                                                                 
         equipment...         2.31         2.09         0.22         3.09         1.80         3.76         5.25
      Photographic                                                                                              
       equipment and                                                                                            
       supplies......        69.61        28.16        48.35        67.06        83.07       119.31       157.10
      Film...........        19.96         9.29        13.73        20.05        22.90        32.28        43.61
        *Other                                                                                                  
         photographic                                                                                           
         supplies....         0.64         2.38         1.01         0.26         0.15         0.24         1.17
        Film                                                                                                    
         processing..        25.21        10.72        15.21        23.97        28.28        41.48        59.82
        Rent/repair                                                                                             
         photo                                                                                                  
         equipment...         0.24         0.05         0.42         0.30         0.27         0.34         0.47
        Photographic                                                                                            
         equipment...        15.43         5.16         7.28        13.04        20.47        25.46        40.91
        *Photographer                                                                                           
         fees........         8.12         0.56        10.71         9.45        11.00        19.51        11.12
      *Fireworks.....         0.51         0.99         0.26         0.00         0.00         0.00         2.37
      *Souvenirs.....         0.44         0.00         0.00         0.00         0.49         0.38         2.15
      *Visual goods..         0.76         0.00         0.00         0.42         0.67         0.00         3.83
      *Pinball,                                                                                                 
       electronic                                                                                               
       video games...         3.78         2.87         3.11         2.34         9.38         8.74         4.45
  Personal care                                                                                                 
   products and                                                                                                 
   services..........       345.68       249.04       282.21       324.70       420.30       478.79       651.43
    Personal care                                                                                               
     products........       179.05       136.69       166.87       169.79       198.77       245.49       335.33
      *Hair care                                                                                                
       products......        40.57        34.79        36.67        37.36        41.43        56.30        77.75
      *Non-elec                                                                                                 
       articles for                                                                                             
       the hair......         4.26         3.55         2.64         5.57         4.31         6.79         8.37
      Wigs and                                                                                                  
       hairpieces....         1.07         0.47         0.91         0.59         1.50         0.34         2.71
      *Oral hygiene                                                                                             
       products,                                                                                                
       articles......        18.16        13.60        18.18        16.89        22.18        22.44        29.63
      *Shaving needs.         8.49         8.31        12.14         8.22         9.09        11.31        13.16
      *Comestic,                                                                                                
       perfume, bath                                                                                            
       prep..........        77.63        55.67        73.62        72.41        90.11       102.03       148.23
      *Deodorant,                                                                                               
       feminie                                                                                                  
       hygiene, misc.                                                                                           
       pers car......        23.52        17.79        19.75        23.84        22.08        38.47        43.65
      Electric                                                                                                  
       personal care                                                                                            
       appliances....         5.35         2.51         2.95         4.92         8.07         7.80        11.83
    Personal care                                                                                               
     services........       166.63       112.35       115.34       154.91       221.54       233.30       316.10
      *Personal care                                                                                            
       services/femal                                                                                           
       es............        89.35        61.33        58.80        83.46       127.40       112.04       174.08
      Personal care                                                                                             
       services/males        77.12        50.83        56.42        71.27        93.93       120.95       141.78
      Repair of                                                                                                 
       personal care                                                                                            
       applicances...         0.16         0.19         0.11         0.18         0.21         0.31         0.24
    Reading..........       152.49        93.38       113.87       142.11       185.46       229.92       287.41
      Newspapers.....        63.99        47.96        53.05        63.85        72.82        84.18       105.97
      Magazines......        38.92        21.42        31.03        38.54        45.36        65.91        71.63
      *Newsletters...         0.04         0.00         0.00         0.00         0.00         0.42         0.00
      Book thru book                                                                                            
       clubs.........        10.63         6.87         8.72         8.86        15.44        16.33        21.60
      Books not thru                                                                                            
       book clubs....        35.24        16.73        20.13        28.28        48.03        54.12        79.39
      Encyclopedia                                                                                              
       and oth sets                                                                                             
       of refer books         3.67         0.40         0.95         2.57         3.81         8.97         8.81
    Education........       324.43       187.02       118.84       190.35       322.81       349.24       835.73
      Sch books, supp                                                                                           
       for day care,                                                                                            
       nursery, oth..         2.52         1.44         1.58         1.30         6.04         2.25         4.76
      College tuition       176.75        91.59        47.50        99.69       186.76       125.89       458.90
      Elementary/high                                                                                           
       school tuition        53.20         6.10        10.62        25.10        34.39        97.91       204.78
      Other school                                                                                              
       tuition.......        15.29         8.32        17.55         9.00        13.94        21.58        31.48
      Oth school                                                                                                
       expenses incl                                                                                            
       rentals.......        15.78        14.42        10.07        10.77        13.45        22.64        33.02
      Sch bks/                                                                                                  
       supplies for                                                                                             
       college.......        26.56        25.25        17.75        16.63        24.53        16.65        41.08
      Sch bks/supp                                                                                              
       for elem/high                                                                                            
       sch...........         6.23         5.70         3.25         5.64         7.82         9.59        11.28
      *School                                                                                                   
       supplies,                                                                                                
       etc.--unspecif                                                                                           
       ied...........        28.10        34.20        10.53        22.22        35.87        52.73        50.44
    Tobacco products                                                                                            
     and smoking                                                                                                
     supplies........       242.33       221.48       250.05       262.82       292.87       249.43       270.28
      Cigarettes.....       224.61       197.67       235.29       244.22       273.20       230.82       251.80
      Other tobacco                                                                                             
       products......        15.28        15.85        13.94        16.00        17.99        17.73        17.12
      *Smoking                                                                                                  
       accessories...         2.44         7.96         0.82         2.60         1.69         0.88         1.37
      *Marijuana.....         0.00         0.00         0.00         0.00         0.00         0.00         0.00
    Miscellaneous....       597.58       345.77       474.63       553.17       769.62       811.02      1182.12
      *Miscellaneous                                                                                            
       fees,                                                                                                    
       parimutuel                                                                                               
       losses........        38.61        20.23        56.87        26.40        62.29        47.69        76.50
      Legal fees.....       104.50        81.84        49.27       109.06       133.34        62.67       255.98
      Funeral                                                                                                   
       expenses......        49.32        44.70        82.98        57.05        13.57        49.05        18.62
      Safety deposit                                                                                            
       box rental....         5.69         4.05         3.61         5.05         5.86         6.20        12.59
      Checking                                                                                                  
       accounts, oth                                                                                            
       bank services.        25.19        16.23        26.64        28.95        33.62        38.14        31.99
      Cemetery lots                                                                                             
       or vaults.....        17.66        14.30        25.91        12.86        13.74        12.52        18.29
      Accounting fees        39.87        18.96        20.72        33.62        52.32        47.89        93.19
      *Miscellaneous                                                                                            
       personal                                                                                                 
       services......        23.02        14.53        16.61        12.43        39.32        40.69        47.86
      Finance chgs.                                                                                             
       excl. mortgage                                                                                           
       veh...........       203.45        89.63       149.53       217.35       284.11       321.25       408.61
      Occupational                                                                                              
       expenses......        90.26        41.30        42.48        50.40       131.46       184.94       218.49
    Cash                                                                                                        
     contributions...       730.19       352.83       486.72       529.28       781.16       956.30      2102.92
      Cash contri non-                                                                                          
       CU memb, inclu                                                                                           
       alimony and                                                                                              
       students at                                                                                              
       college (Sec                                                                                             
       22)...........       179.06        64.23       108.84       127.13       209.98       235.99       549.04
      Gifts non-CU                                                                                              
       members.......       149.99        70.48        52.77       109.45       161.57       162.57       485.66
      Contributions                                                                                             
       to charities..        69.16        13.23        38.96        32.84        65.78        99.80       244.53
      Contributions                                                                                             
       to church.....       295.54       197.57       276.14       242.30       322.49       423.81       661.17
      Contributions                                                                                             
       to educa.                                                                                                
       organizations.        17.97         1.07         2.76         2.95        12.56        12.48        89.44
      Political                                                                                                 
       contributions.         7.29         0.89         1.75         2.38         6.73        10.74        30.82
      Other                                                                                                     
       contributions.        11.18         5.37         5.50        12.23         2.05        10.90        42.27
    Personal                                                                                                    
     insurance and                                                                                              
     pensions........      2532.36       682.85      1373.19      2097.59      3266.30      4542.32      6883.06
      Life and other                                                                                            
       personal                                                                                                 
       insurance.....       324.17       137.92       280.62       301.69       354.87       494.30       729.64
        Life/endow/an                                                                                           
         nuit/oth                                                                                               
         pers ins....       312.04       132.62       275.54       290.33       342.68       468.16       704.02
        Other non-                                                                                              
         health                                                                                                 
         insurance...        12.13         5.30         5.08        11.36        12.19        26.13        25.62
      Retirement,                                                                                               
       pensions,                                                                                                
       social                                                                                                   
       security......      2208.19       544.93      1092.57      1795.89      2911.44      4048.02      6153.42
        Deduction for                                                                                           
         government                                                                                             
         retirement..        65.36         4.38        25.17        48.33        82.39       119.99       211.42
        Deductions                                                                                              
         for railroad                                                                                           
         retirement..         6.23         0.00         1.33         0.24        19.12        16.29        13.24
        Deductions                                                                                              
         for private                                                                                            
         pensions....       156.10        11.73        39.55        84.28       160.98       328.55       564.77
        Deductions                                                                                              
         for self-                                                                                              
         employment                                                                                             
         IRA's and                                                                                              
         Keogh plans.       297.28        36.24        78.45       181.88       333.32       494.25      1049.52
        Deductions                                                                                              
         for social                                                                                             
         security....      1683.21       492.58       948.07      1481.16      2315.63      3088.94      4314.48
----------------------------------------------------------------------------------------------------------------
\1\Components of income and taxes are derived from ``Complete income reporters'' only; see glossary.            


                                     Appendix 2.--Market Basket Descriptions                                    
Food at Home:                                                                                                   
    Ground Beef..................  Price per Lb of regular ground beef. Average size package. Loose, pre-       
                                    packaged. Do not price lean.                                                
    Round Steak, boneless........  Price per Lb. Average size package.                                          
                                   1st choice: Boneless top round steak.                                        
                                   2nd choice: Boneless bottom round steak.                                     
    Round Roast, boneless........  Price per Lb. Average size package.                                          
                                   1st choice: Top round roast.                                                 
                                   2nd choice: Rolled rump roast.                                               
    Pork Chops, bone in..........  Price per Lb. Average size package.                                          
                                   1st choice: Center cut, rib chops.                                           
                                   2nd choice: Loin chops.                                                      
    Bacon, sliced................  Price for 16 Oz (1 Lb) package Oscar Mayer regular sliced bacon.             
    Chicken, whole...............  Price per Lb of 1 whole fryer chicken. If whole fryer not available, price a 
                                    whole fryer chicken, cut-up.                                                
    Fish filet, frozen...........  Price per Lb of frozen ocean whitefish filet.                                
                                   1st choice: Cod or haddock.                                                  
                                   2nd choice: Regional fish.                                                   
                                   Please record fish type in comment section.                                  
    Tuna, canned.................  Price for 6.13 Oz can chunk light, packed in water.                          
                                   (Not fancy style.)                                                           
                                   1st choice: Star Kist.                                                       
                                   2nd choice: Chicken of the Sea.                                              
    Lunch meat...................  Price for 8 Oz pkg., Oscar Mayer.                                            
                                   1st choice: bologna.                                                         
                                   2nd choice: cotto salami or all-beef bologna.                                
    Ham, canned..................  Price for 3 Lb tin of canned ham.                                            
                                   1st choice: Hormel.                                                          
                                   2nd choice: Dubuque.                                                         
                                   Do not price Hormel's supreme cut ham.                                       
    Frankfurters.................  Price for 16 Oz (1 Lb) package, Oscar Mayer all beef frankfurters.           
    Eggs, large..................  Price for one dozen.                                                         
    Fish, fresh..................  Price per Lb of a salmon steak.                                              
    Milk, 2%.....................  Price for one gallon (128 fl. Oz), 2%. Lowest priced store brand.            
    Cheddar Cheese...............  Price per Lb.                                                                
                                   1st choice: Kraft Cracker Barrel, mild cheddar cheese.                       
                                   2nd choice: Kraft Cracker Barrel, sharp yellow cheddar cheese.               
    Ice Cream....................  Price for \1/2\ gallon of Sealtest vanilla ice cream. Do not price ice milk. 
    Bread, white.................  Price for 16 Oz loaf of a regional brand of sliced white bread. Do not price 
                                    store brand. Please record brand in comment section.                        
    Spaghetti, dry...............  Price for 16 Oz box or bag of spaghetti.                                     
                                   1st choice: Creamettes.                                                      
                                   2nd choice: Muehler's.                                                       
                                   3rd choice: Golden Grain.                                                    
                                   4th choice: American Beauty.                                                 
    Cereal.......................  Price for box of Kellogg's Corn Flakes.                                      
                                   1st choice: 18 Oz box.                                                       
                                   2nd choice: Different size box of Kellogg's Corn Flakes.                     
    Cookies......................  Price for 16 Oz package of Nabisco Oreo Cookies.                             
    Frozen Waffles...............  Price Kellogg's Eggo Waffles, price 12 waffle package.                       
    Hamburger Buns...............  Price for 12 OZ (340 G) package of 8 sliced regional brand enriched white    
                                    hamburger buns. Do Not Price Store Brand. Please record brand in comment    
                                    section.                                                                    
    Donuts.......................  Price for box of 12 Hostess glazed donuts.                                   
    Apples, fresh................  Price per LB of Red Delicious apples. If apples are priced by the bag, report
                                    the price and weight of the bag--use the store's scale if necessary. Price  
                                    medium-size apples if possible.                                             
    Bananas, fresh...............  Price per LB. If bananas are priced by the bunch, report the price and weight
                                    of the bunch-use the store's scale if necessary.                            
    Tomatoes, fresh..............  Price per LB. Price medium-size tomatoes if possible. Do Not Price Organic or
                                    `Hydro' Fresh Tomatoes.                                                     
    Potatoes.....................  Price for 10 LB bag of lowest priced white potatoes. If 10 LB bag is not     
                                    available, substitute nearest size sack. Please price potatoes by the bag   
                                    since potatoes priced by the pound are not comparable to bagged potatoes.   
    Frozen Orange Juice..........  Price for 12 FL OZ (makes 48 FL OZ) can of Minute Maid frozen orange juice   
                                    concentrate.                                                                
    Tomato Juice.................  Price for 16 FL OZ can of tomato juice.                                      
                                   1st choice: Campbell's.                                                      
                                   2nd choice: Libby's.                                                         
    Peaches, canned..............  Price for 16 OZ can of sliced yellow cling peaches.                          
                                   1st choice: Del Monte.                                                       
                                   2nd choice: Libby's.                                                         
    Peas, frozen.................  Price for 16 OZ pkg. of Green Giant frozen peas. Do Not Price Peas With      
                                    Sauce.                                                                      
    Green Beans, canned..........  Price for 16 OZ can of cut Del Monte green beans.                            
    Oranges, fresh...............  Price per LB of Florida oranges. If oranges are priced by the bag or by the  
                                    orange, report the price and weigh a bag--using the store's scale if        
                                    possible. Price naval medium-size oranges if possible.                      
    Lettuce, fresh...............  Price for 1 head of iceberg lettuce. If lettuce is priced by weight, report  
                                    the price and also report the weight of an average head.                    
    Celery, fresh................  Price for 1 bunch of celery. Do Not Price Celery Hearts.                     
    Fruit Drink..................  Price for 46 FL OZ can.                                                      
                                   1st choice: Hawaiian Punch.                                                  
                                   2nd choice: HI-C, regular.                                                   
    Soft Drink...................  Price of 2 L (liter) plastic bottle.                                         
                                   1st choice: Coca-Cola.                                                       
                                   2nd choice: Pepsi.                                                           
    Coffee, ground...............  Price for 13 OZ can of ground coffee.                                        
                                   1st choice: Folger's Drip Grind.                                             
                                   2nd choice: Maxwell House.                                                   
    Canned Soup..................  Price for one can Campbell's soup.                                           
                                   1st choice: Vegetable 10\1/2\ OZ.                                            
                                   2nd choice: Chicken Noodle 10\3/4\ OZ.                                       
    Snack Food...................  Price for 6 OZ bag or box of potato chips.                                   
                                   1st choice: Ruffles.                                                         
                                   2nd choice: Lays Dip Chips.                                                  
    Salt.........................  Price for 26 OZ box of iodized salt.                                         
                                   1st choice: Morton.                                                          
                                   2nd choice: Ivory                                                            
                                   3rd choice: Private Label.                                                   
    Ketchup......................  Price for 28 OZ plastic squeeze bottle of ketchup.                           
                                   1st choice: Heinz.                                                           
                                   2nd choice: Del Monte.                                                       
    Cooking Oil..................  Price for 48 FL OZ bottle.                                                   
                                   1st choice: Crisco.                                                          
                                   2nd choice: Wesson.                                                          
    Margarine....................  Price for 1 LB, four sticks.                                                 
                                   1st choice: Blue Bonnet.                                                     
                                   2nd choice: Parkay.                                                          
    Frozen Dinner................  Price for 11.5 OZ (326 G) Swanson-Turkey, whipped potatoes, peas, and fruit  
                                    compote, frozen dinner.                                                     
    Jello Gelatin................  Price for 3 OZ box of Jello Gelatin dessert.                                 
    Baby Food....................  Price for one 4.0 OZ jar of Gerber Second Foods strained vegetable or fruit. 
    Candy Bar....................  Price for one 2.07 OZ Snickers candy bar. If not available, price most       
                                    popular brand of same size.                                                 
    Sugar, granulated............  Price for 5 LB bag of granulated cane or beet sugar, lowest price available. 
                                    Do Not Price Generic Sugar.                                                 
    Bottled Water................  Price for one gallon (store brand) (128 FL OZ) bottled spring water. Do Not  
                                    Price Sparkling or Distilled Water.                                         
Food Away From Home:                                                                                            
    Breakfast....................  Price for typical breakfast, such as, bacon and 2 eggs or waffles, coffee and
                                    juice. Report percentages added for tax, tip and service charge.            
    Lunch........................  Price for typical lunch, such as, chef's salad or cheeseburger platter and   
                                    small soft drink. Report percentages added for tax, tip and service charge. 
    Dinner.......................  Price for typical dinner, such as, New York strip or seafood platter and     
                                    coffee. Report percentages added for tax, tip and service charge.           
    Fast Food Lunch/Dinner.......  Average price of a meal at a fast food establishment. Price for typical meal,
                                    such as, Big Mac or Whopper, medium french fries and medium coke.           
    Ice Cream Cone...............  Price for regular (one scoop) vanilla ice cream cone.                        
Tobacco:                                                                                                        
    Cigarettes, king size........  Price for 1 carton (200 cigarettes) of Winston filter-kings soft pack. Do Not
                                    Include Sales Tax.                                                          
Alcohol:                                                                                                        
    Beer at Home.................  Price for a six-pack of 12 OZ cans of Budweiser (Puerto Rico--10 OZ). Do Not 
                                    Price Refrigerated Beer.                                                    
    Wine at Home.................  Price for 750 ML of Gallo white chablis blanc.                               
    Beer Away....................  Price for glass of Budweiser/Miller Lite beer. List percent for tax.         
    Wine Away....................  Price of house white wine. List percent for tax.                             
Furnishings, Household                                                                                          
 operations:                                                                                                    
    Appliance repair.............  Price to replace oven thermostat control for Maytag Model #CRE9400. Include  
                                    hourly rate, trip charge and parts cost. Part Number #7430P010-60.          
    Housekeeping Services........  Price per hour for bi-weekly cleaning. House approximately 2,000 sq. ft.     
                                    Family size four. Please complete items in the Comment Section. Services    
                                    include the following:                                                      
                                   Bathroom(s)--Sanitize walls, floor, counter tops, bathtub, stool             
                                   Kitchen--Sanitize walls, floor, counter tops, cabinets, appliances           
                                   Living Room & Dining Room--Dust, polish furniture and vacuum                 
                                   Bedrooms--Dust, polish furniture and vacuum.                                 
                                   If other services are included, please note.                                 
    Moving.......................  Price per hour for a within-city move, two men with enclosed van. Include any
                                    van rental fees.                                                            
    Toilet Tissue................  Price for a 4 roll pack                                                      
                                   1st choice: Cottonelle.                                                      
                                   2nd choice: Northern.                                                        
    Pen..........................  Price for 10 pack Bic round stic medium pen.                                 
    Postage......................  Price for First Class postage for a letter.                                  
    Laundry Soap.................  Price for 100 FL OZ of liquid household laundry detergent.                   
                                   1st choice: Tide.                                                            
                                   2nd choice: Cheer.                                                           
    Plant Food...................  Price for 8 OZ container of indoor plant food.                               
                                   1st choice: Miracle Grow.                                                    
                                   2nd choice: Peters.                                                          
    Bed Sheet Set................  Price for one set queen-size no-iron cotton & polyester percale sheets (180  
                                    thread count). One set consists of one fitted sheet, one flat sheet and two 
                                    pillowcases. Do not price designer sheet sets. Price sheet sets with minimum
                                    design.                                                                     
    Bath Towell..................  Price for a 27x50 inch Cannon Portofino bath towel made of 100% cotton.      
    Living Room Chair............  Price for a recliner chair, that is button backed with base construction of  
                                    15 zigzag springs.                                                          
                                   1st choice: Lane.                                                            
                                   2nd choice: Lazy Boy.                                                        
                                   Do Not Price Special Order Fabric.                                           
    Bedroom Group................  Price for nightstand, headboard, 5-drawer chest, triple dresser with mirror. 
                                    Solid wood top, front mirror frame and headboard. Veneer sides. Drawer      
                                    construction should have French dovetail joints and dust plate.             
    Dining Room Table............  Price for table with center pedestal and four standard double rung chairs.   
                                    Table should have veneer top and double runners for leaves with both        
                                    portions of the table moveable.                                             
    Washing Machine..............  Price for large capacity washing machine with 4 water temperatures, 3 wash   
                                    cycles (regular, permanent press & knits/delicate), white porcelain tub,    
                                    self-clean lint filter, fabric softener dispenser and 2 speed combinations. 
                                   1st choice: Maytag Model #LAT7793.                                           
                                   2nd choice: General Electric Model #WWA7600R.                                
                                   3rd choice: Whirlpool Model #LLR6233A.                                       
    Kitchen Range................  Price for 30-inch electric range with upswept cooktop, removable coil        
                                    elements, electronic clock with timer, oven light, delay-start cook control,
                                    storage drawer, selfcleaning oven with two oven racks and a porcelain enamel
                                    broiler pan.                                                                
                                   1st choice: Maytag Model #CRE9400.                                           
                                   2nd choice: General Electric Model #JBP5565.                                 
                                   3rd choice: Whirlpool Model #RF385PXYW.                                      
    Refrigerator.................  Price for no-frost top-mount 21 cubic ft. refrigerator with reversible doors 
                                    and energy saver switch, 4 split glass shelves, fixed glass crisper shelf   
                                    with 2 sealed/moisture controlled crisper drawers, double wall meat drawer. 
                                    Door contains 2 covered dairy compartments, 1 deep fixed bin, 4 deep        
                                    adjustable bins. Freezer has 2 adjustable wire shelves, 2 deep fixed door   
                                    bins and 4 ice trays.                                                       
                                   1st choice: Maytag Model #RTD2100CAE.                                        
                                   2nd choice: General Electric Model #TBX22PAS.                                
                                   3rd choice: Whirlpool Model #ET22RKXZ.                                       
    Vacuum.......................  Price for upright vacuum cleaner with 6.5 amps, 120 volts, six above-the-    
                                    floor attachments, height adjustment, regular bag and 20-foot cord.         
                                   1st choice: Eureka Model #9334AT.                                            
                                   2nd choice: Hoover Model #U4671-910.                                         
    Two-slice Toaster............  Price for two-slice toaster, chrome body, wide slot with pastry defrost      
                                    setting.                                                                    
                                   1st choice: Proctor-Silex Model #T620B.                                      
                                   2nd choice: Black & Decker Model #T200.                                      
    Casserole Dish Set...........  Price for Corning-Ware trio casserole set with 1 QT, 1.5 QT, and 2 QT dishes 
                                    and 3 covers (two plastic covers and one glass).                            
    China........................  Price for the Corelle Impressions line Abundance pattern tableware set. Set  
                                    consists of 20 pieces: 4 dinner plates, 4 luncheon plates, 4 bowls, 4 cups, 
                                    and 4 saucers. The pattern is beige with a fruit and flower motif.          
    Electric Drill...............  Price for 6.0 volt reversible cordless electric drill with overnight         
                                    recharge.                                                                   
                                   1st choice: Black & Decker Model #CD2000.                                    
                                   2nd choice: Skil Model #2305.                                                
    Lawn Trimmer.................  Price for gas powered 31 CC two-cycle engine single line lawn trimmer with a 
                                    17 inch wide cut.                                                           
    Red Roses, Fresh Cut.........  Price for one dozen long stemmed, fresh cut red roses.                       
    Hammer.......................  Price for Stanley curved claw hammer with a 16 OZ head, wood handle, high    
                                    carbon steel head, black finish. Overall length 13\1/4\''.                  
                                   1st choice: Model #51616.                                                    
                                   2nd choice: Model #51416.                                                    
    Window Shade.................  Price 37\1/2\ inch wide window shade.                                        
    Toilet Lid Cover.............  Price for Cannon Portofino standard toilet lid cover made of 100% nylon.     
Clothing:                                                                                                       
    Man's Suit...................  Price for two-piece single-breasted business suit of the type generally worn 
                                    to the office. Conservatively colored and styled with a fabric blend of 45% 
                                    wool and 55% polyester.                                                     
    Man's Jeans..................  Price of straight leg regular fit jeans.                                     
                                   1st choice: Levi's #505.                                                     
                                   2nd choice: Lee regular fit.                                                 
                                   Do Not Price Bleached Jeans.                                                 
    Man's Dress Shirt............  Price for white or solid color, long sleeve, button cuff, plain collar dress 
                                    shirt, approximately 35% cotton, 65% polyester. A dress shirt will have     
                                    exact collar and sleeve sizes. Example: 15\1/2\ collar, 34 sleeve.          
                                   Possible brands: Arrow, Van Heusen.                                          
    Man's Jacket.................  Price for unlined Levi's jean jacket. Cotton denim with button front, two    
                                    chest pockets and two side pockets.                                         
    Boy's Jeans..................  Price of loose fit jeans (size 8-14).                                        
                                   1st choice: Levi's #560.                                                     
                                   2nd choice: Lee loose fit.                                                   
    Boy's Shirt..................  Price for screen-printed t-shirt commonly worn by boys ages 8 through 10     
                                    years (size 7-14). Pullover with crew neck, short sleeves and polyester/    
                                    cotton blend.                                                               
                                   Possible brand: Ocean Pacific.                                               
    Man's Undershirt.............  Price for white 100% cotton undershirts with short sleeves, set of three. If 
                                    not in set of three, report the number of undershirts in package.           
                                   Possible brands: Hanes, Fruit of the Loom.                                   
    Woman's Dress................  Price of misses mid-sleeve shirt waist dress appropriate for office attire.  
                                    Exclude any unusual ornamentation. The dress should be unlined and 100%     
                                    rayon.                                                                      
                                   Possible brands: Stewart Allen, Lesley Fay.                                  
    Woman's Blouse...............  Price of 100% polyester, white, long sleeve, button front blouse with minimum
                                    trim.                                                                       
                                   Possible brands: Wrapper, Girls, Girls, Girls.                               
    Woman's Slacks...............  Price for misses unlined slacks appropriate for office attire. The slacks    
                                    should be a blend of cotton and polyester without a belt.                   
                                   Possible brands: Donnkenny, Alfred Dunner.                                   
    Woman's Sweater..............  Price for 100% cotton, crew neck sweater with rib knit cuffs and bottom.     
                                    Exclude any unusual ornamentation or patterns.                              
    Woman's Jacket...............  Price for unlined windbreaker.                                               
    Woman's Accessories..........  Price for split-grain, cowhide leather, checkbook clutch wallet.             
                                   Possible brands: Michael Stevens, Mundi.                                     
    Girl's Dress.................  Price of cotton blend long-sleeve dress appropriate for school. Exclude extra
                                    ornamentation. For girls ages 8 through 10 (size 7-14).                     
                                   Possible brands: Carter's.                                                   
    Girl's Jeans.................  Price of Levi's #902 basic relaxed taper jean, two back pockets and two front
                                    pockets. For girls ages 8 through 10 (size 7-14).                           
    Girl's Blouse................  Price of cotton blend, white or solid color, long sleeve, button front       
                                    blouse. For girls ages 8 through 10 (size 7-14).                            
                                   Possible brands: This Side Up.                                               
    Infant's Sleeper.............  Price for one-piece sleeping garment with legs, covering the body including  
                                    the feet.                                                                   
                                   Possible brands: Gerber, Playskool.                                          
    Disposable Diaper............  Price for 44 count package Pampers, (child 12-18 LBS). Do Not Price Larger   
                                    Size Diapers.                                                               
    Man's Shoes..................  Price for 100% leather wing tips.                                            
                                   Possible brands: Bostonian, Johnson and Murphy.                              
    Woman's Shoes................  Price for woman's pump style shoes with enclosed heel and toe, leather uppers
                                    and the rest of man-made materials. Heel height should be approximately two 
                                    inches.                                                                     
                                   Possible brands: 9 West, Candies.                                            
    Jewelry......................  Price for one pair 6mm 14k gold ball earrings for pierced ears.              
    Coin Laundry.................  Price for one load of laundry using a regular size, top loading commercial   
                                    washing machine. DO NOT INCLUDE COST OF DRYING.                             
    Dry Clean Man's Suit.........  Price to dry clean a man's 2-piece business suit of typical fabric.          
Domestic Service:                                                                                               
    Day-Care.....................  Price for one month of day-care for a three-year-old child (5 days a week,   
                                    about 8 hours per day). If monthly rate is not available, price per week.   
    Babysitter, per hour.........  Average hourly rate for one child, age four years, evening, before midnight. 
                                    (Teenager in your home.) Do Not Price Babysitting Service. Special          
                                    Instructions: If typical for your area, you may wish to obtain quotes from  
                                    friends/acquaintances in your area who use teenager babysitters.            
Professional Services:                                                                                          
    Legal Services...............  Hourly rate for general counsel.                                             
    Accounting Services..........  Hourly rate for individual tax work (not business).                          
Personal Care:                                                                                                  
    Woman's Cut and Styled Blow    ``Regular service'' price for a woman's cut and styled blow dry. Include     
     Dry.                           wash. NO CURLING IRON IF EXTRA CHARGE.                                      
    Man's Haircut................  Price of a man's typical haircut. Do not include wash.                       
    Lipstick.....................  Price for one tube of Revlon lipstick.                                       
                                   1st choice: Moondrops.                                                       
                                   2nd choice: Super Lustrous.                                                  
    Shampoo......................  Price for 15 Fl Oz bottle of Revlon Flex shampoo for normal hair.            
Recreation:                                                                                                     
    Bowling......................  Price for 1 game of open (nor non-league) bowling on Saturday night. Exclude 
                                    cost of shoe rental.                                                        
    Golf.........................  Price for 18 holes of golf on a weekend. If only 9 hole rate is available,   
                                    report twice the price. If only daily rate is available (unlimited number of
                                    holes), report the Saturday or Sunday rate.                                 
    Movie Theater................  Typical adult price for regular length evening film. Report weekend evening  
                                    price if different from weekday.                                            
    Health Club..................  Price for regular individual membership for 1 year for existing member. Do   
                                    not include any initial fees assessed only to new members. If yearly rate is
                                    not available, price per month.                                             
    Piano Lessons................  Price for private lesson for a beginner one-half hour in length.             
    Video Rental.................  Price to rent one video tape of recently released movie, Saturday night (1   
                                    day) rate. Non-member fee.                                                  
    Video Recorder...............  Price for VCR with 4 video heads, double azimuth, unified TV/VCR remote, one-
                                    year eight event timer, auto tracking, LED display, and HI-FI stereo.       
                                   1st choice: Zenith Model #VRL4110.                                           
                                   2nd choice: Sony Model #SLV700HF.                                            
    Compact Disk.................  Regular price for a current best-selling CD. No sale Price. Do not price     
                                    double CD.                                                                  
                                   Example: Janet by Janet Jackson, Unplugged by Rod Stewart.                   
                                   Please record title in comment section.                                      
    Compact Disk Player..........  Price 5 disc CD player with rotary changer system, 10 key access, 32 track   
                                    programming, 8 times oversampling, and a remote.                            
                                   1st choice: Sony Model #CDPC535.                                             
                                   2nd choice: Panasonic-Technics Model #SLPD847.                               
    Color Television.............  Price for 20'' table model color TV with a remote, auto channel search,      
                                    closed captions, sleep timer, on-screen channel/time and menus, channel     
                                    flashback, and 181 channel tuning.                                          
                                   1st choice: Zenith Model #SLS2049.                                           
                                   2nd choice: Sony Model #KV20TS29.                                            
    Basic Cable Service..........  Price for one month of basic cable channel TV. Do Not Include Hookup Charges 
                                    or Premium Chanels                                                          
    Veterinary Services..........  Typical fee for general office visit for a heartworm test for a small dog.   
                                    Include the cost of the office visit.                                       
    Pet Food.....................  Price of 5.5 OZ can of cat food.                                             
                                   1st choice: Purina.                                                          
                                   2nd choice: 9 Lives.                                                         
    Film Developing..............  Price to process and print 35 millimeter, 24 exposure, 100 ASA color. Single 
                                    Prints Only Please.                                                         
    Camera Film..................  Price for 35 millimeter, 24 exposure, 100 ASA Kodak camera film.             
    Tennis Balls.................  Price for can of three heavy-duty felt, yellow, tennis balls.                
                                   1st choice: Wilson.                                                          
                                   2nd choice: Penn.                                                            
    Board Game...................  Price for Monopoly board game by Parker Brothers. Do Not Price Deluxe        
                                    Edition.                                                                    
    Book.........................  Price for top ten best selling paperback book.                               
    Magazine.....................  Price for a single copy of Time magazine.                                    
    Local Newspaper..............  Price for one year of the most common DAILY paper (including Sunday edition) 
                                    distributed in the area. Report the name of the newspaper in the comment    
                                    section.                                                                    
Miscellaneous expense component:                                                                                
    Pain Reliever................  Price for 60 tablets of extra-strength Tylenol. Do Not Price Caplets or      
                                    Gelcaps.                                                                    
    Tetracycline, prescription...  Price of 40 capsules of tetracycline, 250 milligram strength. Report price   
                                    for most common national brand sold.                                        
    Optometrist, office visit....  Typical fee for visual analysis including tonometry, refraction and glaucoma 
                                    screening.                                                                  
    Dentist, clean and check       Charge for x-rays, exam and prophylaxis (light scaling and polishing) or     
     teeth.                         ``cleaning of teeth'' without special treatment of gums or teeth. Do Not    
                                    Price Initial Visit.                                                        
    Doctor, office visit.........  Typical fee, after the initial visit, for an office visit when medical advice
                                    or simple treatment is needed. Do not include the charge for a regular      
                                    physical examination, injections, medication or lab tests (routine brief    
                                    visit). Price General Practitioner. Do Not Price Specialist.                
    Hospital Room................  Daily charge for a private room. Include food and routine care. Exclude cost 
                                    of operating room, surgery, medicine and lab fees.                          
Housing-related component:                                                                                      
    Bathroom Caulking............  Please price an 8-ounce tube of white bathroom caulking, most popular brand. 
    Computation of Electric Bill.  Average monthly consumption:                                                 
                                   Customer service charge (single phase service):                              
                                   Cost for first KWH:                                                          
                                   Cost for over first KWH:                                                     
                                   Other items included on bill:                                                
                                   Comments:                                                                    
    Computation of Gas Bill......  Average monthly consumption:                                                 
                                   Customer service charge:                                                     
                                   Cost for first Cu. Ft.:                                                      
                                   Cost for over first Cu. Ft.:                                                 
                                   Other items included on bill:                                                
                                   Comments:                                                                    
    Computation of Water Bill....  Average monthly consumption:                                                 
                                   Customer service charge:                                                     
                                   Cost for first ______ Gallons:                                               
                                   Cost for over ______ Gallons:                                                
                                   Other items included on bill:                                                
                                   Comments:                                                                    
    Electrical Outlet............  Please price a 2-plug grounded electrical outlet. Medium priced. Price       
                                    blister pack or cardboard mounted (individually packaged). Do Not Price     
                                    Loose Electric Outlet.                                                      
                                   Possible brands: GE, Levitron.                                               
    Electrical Work..............  Price to add circuit breaker for dishwasher. Cut \3/4\ inch hole in wooden   
                                    floor for cable. Connect dishwasher directly to power box (power box is easy
                                    to reach). Exclude Cost of Materials.                                       
    Fire Extinguisher............  Please price a fire extinguisher with a UL rating of 10BC, 2.5 pound size.   
                                   Suggested brand: Kidde.                                                      
    Interior Painting............  Price to paint 12' 14' living room with 8' ceilings. Walls are plaster or    
                                    drywall in good repair. Two standard sized sash windows, one picture window,
                                    one standard wood door. Rooms have simple wood baseboards and trim. Existing
                                    paint is latex, flat white, smooth finish, about three years old. Trim paint
                                    is latex, white, gloss enamel, about three years old. Walls and trim require
                                    no surface preparation. Obtain labor rate per hour, flat charge if any, and 
                                    estimated time to complete job.                                             
    Latex Interior Paint.........  Please price one gallon white, interior flat latex paint. Price a national   
                                    brand with one coat coverage.                                               
                                   Possible brands: Dutch Boy, Glidden.                                         
    Pest Control.................  Price for basic pest control maintenance (one visit). Price follow-up        
                                    maintenance only, not the initial application.                              
    Unclog Drain.................  Price to unclog kitchen sink drain by mechanical means (snake, auger, etc.). 
                                    Only include pipe removal to access trap if necessary.                      
    Kitchen Faucet...............  Price a Peerless single control chrome-plated faucet with spray. Faucet is   
                                    solid brass and stainless steel quality construction with copper waterways, 
                                    washerless design and triple chrome plating. Warrantied for as long as the  
                                    home is owned.                                                              
    Real Estate Taxes............  Call the local tax assessor office and/or local tax collector/treasurer for  
                                    each living community in the report. Request the current real property tax  
                                    rate, any special charges that are added to the tax bill and any homestead  
                                    credits that might be deducted from the bill. Ask when properties were last 
                                    assessed and what base year tax rate should be applied to. Request          
                                    information as to what month rates are certified and when bills are mailed. 
                                    Verify any significant increases or decreases from previous records.        
    Long Distance Telephone......  Price the cost of a 10 minute call received on a weekday, at each location at
                                    8:00 p.m. (local time); direct dial from the location being surveyed to each
                                    of the following cities; New York, Chicago and Los Angeles. Include any     
                                    federal, state, local or excise tax that is applicable.                     
    Telephone Service............  Obtain monthly cost for unmeasured service, for touchtone service, and for   
                                    tax.                                                                        
    Homeowner Insurance..........  For each living community surveyed based on income level, secure the annual  
                                    premium for HO-2 type coverage. If the company does not refer to the        
                                    coverage as HO-2, obtain the cost for a mid-level coverage (i.e., in-between
                                    a comprehensive coverage and a basic coverage), contents not at replacement 
                                    cost, that covers ``named perils on building and contents.'' Some companies 
                                    refer to this as their ``standard homeowner's coverage.''                   
    Renter Insurance.............  For each living community surveyed based on income level, provide renter     
                                    housing profile and insurance cost (semiannual or other). Assume HO-4-type  
                                    coverage.                                                                   
            Homeowners                                                                                          
The profiles for each of the home                                                                               
 sizes costed are as follows:                                                                                   
    Low..........................  900 (Sq. Ft.)                                                                
    Mid..........................  1,300 (Sq. Ft.)                                                              
    High.........................  1,700 (Sq. Ft.)                                                              
The worksheet components for data                                                                               
 collection are as follows:                                                                                     
    (1) Address                                                                                                 
    (2) Selling Price                                                                                           
    (3) Sale Date                                                                                               
    (4) Age                                                                                                     
    (5) Room Count (broken down                                                                                 
     into bedrooms and baths)                                                                                   
    (6) Square Footage                                                                                          
    (7) Price Per Square Foot                                                                                   
Information was collected through                                                                               
 various sources--Real Estate                                                                                   
 Professionals, Appraisers, MLS                                                                                 
 data, assessors' offices and                                                                                   
 private sources.                                                                                               
     Data Collection for Aged                                                                                   
            Mortgages                                                                                           
The worksheet components for data                                                                               
 collection for aged mortgages                                                                                  
 are as follows:                                                                                                
    (1) Address                                                                                                 
    (2) Selling Price                                                                                           
    (3) Sale Date                                                                                               
    (4) Age                                                                                                     
    (5) Room Count (broken down                                                                                 
     into bedrooms and baths)                                                                                   
    (6) Square Footage                                                                                          
    (7) Price Per Square Foot                                                                                   
     Transportation Component                                                                                   
    Vehicles.....................  1993 Honda Civic DX four door sedan, 1.5 liter 4 Cylinder.                   
                                   1993 Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder.                   
                                   1993 Chevrolet S10 Blazer Two Door, four wheel drive, 4.3 Liter 6 Cylinder.  
    Base Price...................  Obtain the base price (Manufacturer's Suggested Retail Price) for each       
                                    vehicle.                                                                    
    Options......................  For each vehicle, price the following options: air conditioning, AM/FM stereo
                                    radio, power steering, tinted glass, power disc brakes, rustproofing and    
                                    other options.                                                              
    Fees.........................  For each vehicle, price the following options: destination charge, shipping  
                                    charge, dealer markup, documentation fees and other one-time fees.          
    Taxes........................  For each vehicle, price the following taxes: excise tax, import/customs tax, 
                                    use tax, sales tax and other one-time taxes.                                
    Specifications...............  For each vehicle, obtain the following information: length, wheelbase, tires,
                                    curb weight, horsepower, fuel type and fuel performance (mpg).              
    Depreciation.................  For each vehicle, compute the residual value after 12, 24, 36 and 48 months  
                                    respectively.                                                               
    Gasoline.....................  For each station name/brand, price regular unleaded self-service.            
    Tune-up......................  For each vehicle, price a basic tune-up. Include parts and labor for the     
                                    following: replace spark plugs, PCV value, fuel filter, air filter, and     
                                    breather filter. Check distributor cap, rotor, timing, and idle.            
    Oil Change...................  For each vehicle, price an oil change. Include parts and labor for the       
                                    following: drain old oil, replace oil filter and refill with five quarts of 
                                    10W30 SG grade oil. If SG grade is unavailable, price SF grade oil.         
    Change Automatic Transmission  For each vehicle, price to change automatic transmission fluid. Include parts
     Fluid.                         and labor for the following: remove transmission pan, drain transmission    
                                    fluid, replace transmission filter, replace transmission pan gasket, replace
                                    transmission fluid, and test vehicle.                                       
    Coolant Flush and Fill.......  For each vehicle, price to flush and fill engine coolant. Include parts and  
                                    labor for the following: remove old coolant, flush contaminants, and replace
                                    with new coolant.                                                           
    Muffler System...............  For each vehicle, price a complete muffler system. Include parts and labor   
                                    for the following: install all parts after the catalytic converter. These   
                                    parts include midpipes, clamps, muffler, and tailpipes.                     
                                   In Hawaii and the Virgin Islands, obtain parts costs from a NAPA dealer in   
                                    the appropriate area. Obtain installation/labor costs from service stations 
                                    or vehicle dealerships.                                                     
    C.V. Joint Boots.............  For each vehicle, price C.V. (Constant Velocity) Joint Boot replacement.     
                                    Price should include parts and labor for the following: replace two front   
                                    rubber boots. Cost does not include joint replacement.                      
    Miscellaneous Tax............  For each vehicle, price miscellaneous tax. Tell how rate is determined, give 
                                    formula for new vehicle purchase, give formula for subsequent year (2 to 5) 
                                    and explain billing.                                                        
    Tires........................  Price a P175/70R13 for the Honda Civic. Price a P205/70R14 for the Ford      
                                    Tauraus L. Price a P235/R15 for the Chevrolet S10 Blazer in DC area. In     
                                    Guam, Goodyear tires were unavailable, used the average of two comparable   
                                    brands.                                                                     
    License and Registration.....  For each vehicle, price title fee, passenger vehicle registration fees, plate
                                    fees, inspection fees, administration/clerical/other fees and local added   
                                    fees. Specify if one-time or annual. List any exceptions if the Blazer is   
                                    not registered as a passenger vehicle.                                      
    Automobile Finance...........  Obtain the rate for a four-year loan based on a downpayment of 20 percent.   
                                    Assume the loan applicant is a current bank customer who will make payments 
                                    by cash/check and not by automatic deduction from the account.              
    Automobile Insurance.........  For each vehicle, price insurance coverage identified below. Assume that     
                                    vehicles are used in commuting 15 miles/day, 12,000 miles/year and that the 
                                    driver is a 35-year-old married male with no accidents or violations in the 
                                    last five years. When there is a geographic difference, obtain rates for two
                                    different living communities. Include related expense fees and taxes.       
                                   Bodily Injury$100,000/$300,000.                                              
                                   Property Damage$25,000.                                                      
                                   Medical$15,000 or Personal Injury Protection $50,000.                        
                                   Uninsured Motorist$100/$300,000 (unavailable in Virgin Islands and Puerto    
                                    Rico).                                                                      
                                   Comprehensive$100 Deductible.                                                
                                   $Collision$250 deductible.                                                   
    Round-Trip Airfare...........  Price for lowest cost round-trip ticket to Los Angeles, CA. Disregard        
                                    restrictions.                                                               
                                                                                                                
----------------------------------------------------------------------------------------------------------------


Appendix 3.--Pricing Changes, Goods and Services/Miscellaneous Expenses/
                             Housing Related                            
------------------------------------------------------------------------
        Previous                 Current                  Reason        
------------------------------------------------------------------------
1. Color Television:                                                    
    Zenith SJ2063......  Zenith SLS2049.........  New Model Number.     
                         Sony KV20TS29..........  Additional item.      
2. Video Recorder:                                                      
    Zenith VRJ415......  Zenith VRL4110.........  New Model Number.     
                         Sony SLV700HF..........  Additional item.      
3. CD Player:                                                           
    Sony CDP297........  Sony CDPC535...........  New Model Number.     
    Kenwood DP2030.....  Technics SLPD847.......  Technics available in 
                                                   all areas.           
                                                  Kenwood hard to find. 
4. Washing Machine:                                                     
    Maytag A7500.......  Maytag LAT7793.........  New Model Number.     
    GE WWA7678M........  GE WWA7600R............  New Model Number.     
    Whirlpool LA5300XT.  Whirlpool LLR6233A.....  New Model Number.     
5. Kitchen Range:                                                       
    Maytag CRE305......  Maytag CRE9400.........  New Model Number.     
    GE JBS26P..........  GE JBP5565.............  New Model Number.     
    Whirlpool RF3105XX.  Whirlpool RF385PXYW....  New Model Number.     
    Kenmore 91721......  .......................  Eliminated.           
6. Refrigerator:                                                        
    Maytag RTD19A......  Maytag RTD2100CAE......  New Model Number.     
    GE TBX19ZP.........  GE TBX22PAS............  New Model Number.     
    Whirlpool ET18DKXXN  Whirlpool ET22RKXZ.....  New Model Number.     
    Amana TX20QB.......  .......................  Eliminated.           
7. Vacuum:                                                              
    Eureka 2034........  Eureka 9334AT..........  New Model Number.     
                         Hoover U4671-910.......  Additional item.      
8. Two-Slice Toaster:                                                   
    Proctor-Silex T2042  Black & Decker T200....  More comparable level.
9. Casserole Dish Set                                                   
 (Corning-Ware):                                                        
    2 QT. Casserole      Trio Casserole Set.....  More popular.         
     Dish.                                                              
10. China (Corelle):                                                    
    Design Images (16    Impressions-Abundance..  Discontinued.         
     pc.).                                                              
    Natural Design (16   (20 pc. set)...........  Discontinued.         
     pc.).                                                              
11. Electric Drill:                                                     
    Black & Decker       Black & Decker CD 2000.  New model-cordless    
     #7144.                                        more popular.        
    Black & Decker       Skil #2305.............  More comparable 2nd   
     #7190.                                        choice.              
    Black & Decker       .......................  Eliminated.           
     #7193.                                                             
12. Hammer:                                                             
                         Stanley 51416..........  Additional item.      
13. Lawn and Garden:                                                    
    Hyponex Potting      Miracle Grow Plant Food  Hard to fine correct  
     Soil.                (8 oz container).        size of Hyponex and  
                         Peters Plant Food (8 oz   price range too wide.
                          container).             Additional item.      
14. Compact Disc (from                                                  
 Audio Cassette-CD more                                                 
 popular):                                                              
    ``Ropin' the Wind''  ``Janet'' by Janet       Current bestselling   
     by Garth Brooks.     Jackson.                 titles.              
    ``Adrenalize'' by    ``Unplugged'' by Rod                           
     Def Leppard.         Stewart.                                      
15. Tennis Balls:                                                       
                         Penn (3 pk.)...........  Additional item.      
16. Bath Towel:                                                         
    27x50 inch           27x50 inch Cannon......  Less plush.           
     Fieldcrest.                                                        
    Royal Crest bath     Portofino bath towel...                        
     towel.                                                             
17. Bath Rug:                                                           
    24x36 inch oblong    Cannon Portofino         Easier to find with   
     bathmat.             standard, toilet lid     less variation than a
                          cover made of 100%       bathmat.             
                          nylon.                                        
18. Man's Jeans:                                                        
    Levi's 501.........  Lee Regular Fit........  More comparable items 
                                                   (no buttonfly).      
19. Man's Undershirt:                                                   
    Jockey (3 pk.).....  Hanes (3 pk.)..........  More popular.         
                         Fruit of the Loom (3     Additional item.      
                          pk.).                                         
20. Boy's Jeans:                                                        
    Levi's 501.........  Levi's 560 loose fit...  More comparable items 
                                                   (no buttonfly).      
    Levi's 506.........  Lee Loose Fit..........  Loose fit more        
                                                   popular.             
21. Woman's Dress:                                                      
    Price for long       Price for Misses mid-    More available and is 
     sleeve shirtwaist    sleeve shirtwaist        a more specific      
     dress appropriate    dress appropriate for    description.         
     for office attire.   office attire. Exclude                        
     Exclude any          any unusual                                   
     unusual              ornamentation. The                            
     ornamentation. The   dress should be                               
     dress should be a    unlined and 100% Rayon.                       
     blend of cotton     Possible Brands:                               
     and polyester.      Stewart Allen.                                 
                         Lesley Fay.                                    
22. Woman's Slacks:                                                     
    Price for the type   Price for Misses         More available and is 
     (materials and       unlined slacks           a more specific      
     styles) most         appropriate for office   description.         
     commonly used for    attire. The slacks                            
     office wear.         should be blend of                            
                          cotton and polyester                          
                          without a belt.                               
                         Possible Brands:                               
                         Donnkenny.                                     
                         Alfred Dunner.                                 
23. Woman's Sweater:                                                    
                         Price in catalog.......  Per request of OPM.   
24. Woman's                                                             
 Accessories:                                                           
    Price for split      Price for split-grain,   Amity wallet difficult
     grain, cowhide       cowhide leather,         to find.             
     leather, Amity       checkbook clutch                              
     checkbook clutch     wallet.                                       
     wallet.             Possible Brands:                               
                         Michael Stevens.                               
                         Mundi.                                         
25. Potatoes:                                                           
    Lowest price 10 lb.  Lowest price 10 lb. bag  More specific item.   
     bag.                 of white potatoes.                            
26. Lettuce, fresh:                                                     
    1 head.............  1 head of Iceberg        More specific         
                          lettuce.                 description.         
27. Oranges, fresh:                                                     
    Navel medium size    Florida navel medium-    More specific         
     oranges.             size oranges.            description and are  
                                                   available in all     
                                                   areas.               
28. Peaches, canned:                                                    
    29 oz can of Del     16 oz can of Del Monte   More popular than     
     Monte peaches.       sliced peaches.          peach halves.        
                         16 oz can of Libby       Most common size.     
                          sliced peaches.                               
29. Tomato Juice:                                                       
    Libby's 46 fl oz     Campbell's 46 fl oz can  Switch Campbell's to  
     can.                                          first choice; it is  
                                                   more common in       
                                                   Washington, DC.      
    Campbell's 46 fl oz  Libby's 46 fl oz can...  ......................
     can.                                                               
30. Fruit Drink:                                                        
    46 fl oz can of Hi-  46 fl oz of Hawaiian     Switch Hawaiian Punch 
     C.                   Punch.                   to first choice; it  
                                                   is more common in    
                                                   Washington, DC.      
    46 fl oz can of      46 fl oz can of Hi-C...  ......................
     Hawaiian Punch.                                                    
31. Coffee, ground:                                                     
                         13 oz can of Maxwell     Additional item.      
                          House.                                        
32. Ketchup:                                                            
    14 oz bottle of      28 oz plastic squeeze    Most common and       
     Heinz.               bottle of Heinz.         popular size.        
                         28 oz plastic squeeze    Additional item.      
                          bottle of Del Monte.                          
33. Cake:                                                               
    Price one frosted    Price Hostess Glazed     Available in all the  
     undecorated 9-inch   Donuts (box of 12).      areas. Comparable    
     chocolate two                                 cake too hard to     
     layer cake.                                   find.                
34. Bread:                                                              
    Price for a 16 oz    Price for a 16 oz loaf   Per request of OPM.   
     loaf of store        of a regional brand of                        
     brand sliced white   sliced white bread.                           
     bread.                                                             
35. Cereal:                                                             
                         Box of Kellogg's Corn    Additional item.      
                          Flakes other than the                         
                          18 oz box.                                    
36. Pain Reliever:                                                      
    Bottle of 100        Bottle of 60 Tylenol     100 tablet bottles    
     Tylenol tablets.     tablets.                 hard to find in      
                                                   Washington, DC.      
37. Laundry Soap:                                                       
    64 fl oz of Tide     100 fl oz of Tide        No common size in     
     liquid.              liquid.                  powdered detergent.  
    64 fl oz of Wisk     100 fl oz of Cheer       Change in size.       
     liquid.              liquid.                                       
38. Pet Food:                                                           
    ...................  Purina 5.5 oz can of     Additional item--     
                          cat food.                available in all     
                                                   areas.               
    Nine Lives 6 oz can  Nine Lives 5.5 oz can    Most common size.     
     of cat food.         of cat food.                                  
39. Bottled Water:                                                      
    One gallon of        One gallon of bottled    More specific         
     bottled store        store brand spring       description--availabl
     brand drinking       water.                   e in all areas.      
     water.                                                             
40. Snack Food:                                                         
    16 oz bag of potato  6 oz bag of Ruffles....  Most common size and  
     chips.                                        brand is available in
                                                   all areas.           
    ...................  6 oz bag of Lays Dip     Additional item.      
                          Chips.                                        
41. Sirloin Steak:                                                      
    Pound of flat bone   .......................  Dropped--too much red 
     steak.                                        meat.                
    Pound of round bone  .......................  Dropped--too much red 
     streak.                                       meat.                
42. Round Steak,                                                        
 boneless:                                                              
    Pound of eye round   Pound of boneless        More comparable cut.  
     steak.               bottom round steak.                           
43. Chuck Roast,                                                        
 boneless:                                                              
    Pound of arm pot     .......................  Dropped--too much red 
     roast.                                        meat.                
44. Round Roast,                                                        
 boneless:                                                              
    Pound of tip roast.  Pound of rolled rump     Comparable second     
                          roast.                   choice.              
45. Fish, fresh:                                                        
    Pound of a commonly  Pound of salmon steak..  More specific--       
     purchased fresh                               available in all     
     fish.                                         areas.               
46. Cheddar Cheese:                                                     
    Pound of store       Pound of Kraft Cracker   Specific brand        
     brand mild cheddar   Barrel mild cheddar      available in all     
     cheese.              cheese.                  areas.               
                         Pound of Kraft Cracker   Addition              
                          Barrel sharp yellow                           
                          cheddar cheese.                               
47. Refrigerated                                                        
 Biscuits:                                                              
    Price for 10 oz      12 pack of Kellogg's     Available in all      
     tube of Pillsbury    Eggo waffles.            areas.               
     Hungry Jack                                  Refrigerated biscuits 
     biscuits.                                     hard to find.        
48. Fish Filet, frozen:                                                 
    Price per pound of   Price per lb of frozen   Additional choice of  
     frozen Cod fillet.   ocean whitefish filet.   white fish.          
    Price per pound of   1st choice: Cod or       Better substititue    
     frozen Pollack       Haddock.                 description for some 
     filet.              2nd choice: Regional      of the areas.        
                          Fish Please record                            
                          fish type in Comment                          
                          Section.                                      
49. Frozen Orange                                                       
 Juice:                                                                 
    12 oz can of frozen  12 oz can of frozen      Specific brand        
     concentrate--store   Minute Maid              available in all     
     brand.               concentrate.             areas.               
50. Ice Cream:                                                          
    Half gallon of       Half gallon of Sealtest  Specific brand        
     store brand          vanilla ice cream.       available in all     
     vanilla ice cream.                            areas.               
51. Disposable Diapers:                                                 
    Pampers 54 count     Pampers 44 count         More commonly found.  
     package (child 8-    package (child 12-18                          
     14 lbs.).            lbs.).                                        
52. Newspaper:                                                          
    Single copy of the   Home delivery of most    Home delivery more    
     most common daily    common daily paper for   common.              
     paper.               one year.                                     
53. Electrical Outlet:                                                  
    Price a 2-plug       Price a 2-plug grounded  More specific         
     grounded             electrical outlet.       description.         
     electrical outlet.   Medium price. Price                           
     Medium price.        blister pack or card                          
                          board mounted                                 
                          (individually                                 
                          packaged). DO NOT                             
                          PRICE LOOSE ELECTRICAL                        
                          OUTLET.                                       
                         Possible Brands:                               
                         GE.                                            
                         Levitron.                                      
54. Accounting:                                                         
    Average rate to      Hourly rate for          OPM request.          
     complete tax form    individual tax work                           
     1040 and schedule    (NOT BUSINESS).                               
     A (include state).                                                 
55. Homeowner                                                           
 insurance:                                                             
    HO--5 type coverage  HO--2 type coverage, or  HO--5 not always      
                          equivalent mid-level     available in         
                          coverage (i.e. in        allowance areas.     
                          between a                                     
                          comprehensive coverage                        
                          and a basic coverage).                        
------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                     [Location: Honolulu, HI; Date Prepared: 10-Jan-94; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......       142.18        25.52        36.28        22.38        31.82        19.35        27.51
2. Food Away From                                                                                               
 Home................       112.82        15.95        17.99        16.09        18.15        16.23        18.31
3. Tobacco...........       111.82         3.13         3.50         2.54         2.84         1.96         2.19
4. Alcohol...........       118.65         2.92         3.46         2.79         3.31         2.67         3.17
5. Furnishings & Hsld                                                                                           
 Op..................       112.68        14.35        16.17        15.95        17.97        17.49        19.71
6. Clothing..........       103.58        14.24        14.75        14.93        15.46        15.59        16.15
7. Domestic Services.        77.82         1.78         1.39         1.79         1.39         1.81         1.41
8. Professional                                                                                                 
 Services............       109.94         5.77         6.34         5.84         6.42         5.91         6.50
9. Personal Care.....       108.99         3.57         3.89         3.47         3.78         3.38         3.68
10. Recreation.......       105.69        12.77        13.50        14.22        15.03        15.61        16.50
                      ------------------------------------------------------------------------------------------
      Total weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total indexes:                                                                                            
        Lower........  ...........  ...........       117.27  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........        116.7  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........        115.3
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                       [Location: Hilo, HI; Date Prepared: 17-Dec-93; Summer 1993 Survey]                       
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......       133.21        25.52        34.00        22.38        29.81        19.35        25.78
2. Food Away From                                                                                               
 Home................       101.92        15.95        16.26        16.09        16.40        16.23        16.54
3. Tobacco...........        98.58         3.13         3.09         2.54         2.50         1.96         1.93
4. Alcohol...........       107.59         2.92         3.14         2.79         3.00         2.67         2.87
5. Furnishings & Hsld                                                                                           
 Op..................       104.13        14.35        14.94        15.95        16.61        17.49        18.21
6. Clothing..........       100.35        14.24        14.29        14.93        14.98        15.59        15.64
7. Domestic Services.        74.55         1.78         1.33         1.79         1.33         1.81         1.35
8. Professional                                                                                                 
 Services............        87.79         5.77         5.07         5.84         5.13         5.91         5.19
9. Personal Care.....       103.11         3.57         3.68         3.47         3.58         3.38         3.49
10. Recreation.......        91.85        12.77        11.73        14.22        13.06        15.61        14.34
                      ------------------------------------------------------------------------------------------
      Total weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total indexes:   ...........  ...........  ...........  ...........       106.40  ...........  ...........
        Lower........  ...........  ...........       107.53  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       106.40  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       105.34
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                    [Location: Kailua Kona, HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......       134.79        25.52        34.40        22.38        30.17        19.35        26.08
2. Food Away From                                                                                               
 Home................       117.05        15.95        18.67        16.09        18.83        16.23        19.00
3. Tobacco...........       110.28         3.13         3.45         2.54         2.80         1.96         2.16
4. Alcohol...........       109.75         2.92         3.20         2.79         3.06         2.67         2.93
5. Furnishings & Hsld                                                                                           
 Op..................       115.63        14.35        16.59        15.95        18.44        17.49        20.22
6. Clothing..........        97.33        14.24        13.86        14.93        14.53        15.59        15.17
7. Domestic Services.        92.98         1.78         1.66         1.79         1.66         1.81         1.68
8. Professional                                                                                                 
 Services............        90.01         5.77         5.19         5.84         5.26         5.91         5.32
9. Personal Care.....       100.30         3.57         3.58         3.47         3.48         3.38         3.39
10. Recreation.......       104.09        12.77        13.29        14.22        14.80        15.61        16.25
                      ------------------------------------------------------------------------------------------
      Total weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total indexes:                                                                                            
        Lower........  ...........  ...........       113.89  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       113.03  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       112.20
----------------------------------------------------------------------------------------------------------------


                                  Consumption Goods and Services Cost Analysis                                  
                     [Hawaii County Composite; Date Prepared: 21-Feb-94; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes            
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper   
                                                                             income       income        income  
----------------------------------------------------------------------------------------------------------------
Hilo, HI....................................................        82.25       107.53       106.40       105.34
Kailua Kona, HI.............................................        17.75       113.89       113.03       112.20
                                                             ---------------------------------------------------
      Total Weight..........................................       100.00  ...........  ...........  ...........
      Composite Indexes.....................................  ...........       108.66       107.58       106.56
----------------------------------------------------------------------------------------------------------------


                                      Consumption Goods & Services Analysis                                     
                   [Location: Kauai County, HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                          Lower Income              MIddle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
 1. Food At Home.....       148.26        25.52        37.84        22.38        33.18        19.35        28.69
 2. Food Away From                                                                                              
 Home................       120.29        15.95        19.19        16.09        19.35        16.23        19.52
 3. Tobacco..........       116.59         3.13         3.65         2.54         2.96         1.96         2.29
 4. Alcohol..........       122.31         2.92         3.57         2.79         3.41         2.67         3.27
 5. Furnishings &                                                                                               
 Hsld Op.............       110.93        14.35        15.92        15.95        17.69        17.49        19.40
 6. Clothing.........        93.80        14.24        13.36        14.93        14.00        15.59        14.62
 7. Domestic Services       101.15         1.78         1.80         1.79         1.81         1.81         1.83
 8. Professional                                                                                                
 Services............        90.04         5.77         5.20         5.84         5.26         5.91         5.32
 9. Personal Care....       109.16         3.57         3.90         3.47         3.79         3.38         3.69
10. Recreation.......       104.82        12.77        13.39        14.22        14.91        15.61        16.36
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       117.82  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       116.36  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       114.99
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                    [Location: Maui County, HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                          Lower Income              MIddle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
 1. Food At Home.....       149.16        25.52        38.07        22.38        33.38        19.35        28.86
 2. Food Away From                                                                                              
 Home................       117.00        15.95        18.66        16.09        18.83        16.23        18.99
 3. Tobacco..........       118.28         3.13         3.70         2.54         3.00         1.96         2.32
 4. Alcohol..........       116.59         2.92         3.40         2.79         3.25         2.67         3.11
 5. Furnishings &                                                                                               
 Hsld Op.............       111.62        14.35        16.02        15.95        17.80        17.49        19.52
 6. Clothing.........       108.19        14.24        15.41        14.93        16.15        15.59        16.87
 7. Domestic Services       105.45         1.78         1.88         1.79         1.89         1.81         1.91
 8. Professional                                                                                                
 Services............        97.49         5.77         5.63         5.84         5.69         5.91         5.76
 9. Personal Care....       120.44         3.57         4.30         3.47         4.18         3.38         4.07
10. Recreation.......       109.21        12.77        13.95        14.22        15.53        15.61        17.05
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       121.02  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       119.70  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       118.46
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                         [Location: Guam; Date Prepared: 08-Nov-93; Summer 1993 Survey]                         
----------------------------------------------------------------------------------------------------------------
                                          Lower Income              MIddle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
 1. Food At Home.....       133.43        25.52        34.05        22.38        29.86        19.35        25.82
 2. Food Away From                                                                                              
 Home................       104.02        15.95        16.59        16.09        16.74        16.23        16.88
 3. Tobacco..........        72.45         3.13         2.27         2.54         1.84         1.96         1.42
 4. Alcohol..........       103.05         2.92         3.01         2.79         2.88         2.67         2.75
 5. Furnishings &                                                                                               
 Hsld Op.............       132.32        14.35        18.99        15.95        21.11        17.49        23.14
 6. Clothing.........        96.05        14.24        13.68        14.93        14.34        15.59        14.97
 7. Domestic Services       116.23         1.78         2.07         1.79         2.08         1.81         2.10
 8. Professional                                                                                                
 Services............       114.31         5.77         6.60         5.84         6.68         5.91         6.76
 9. Personal Care....       115.55         3.57         4.13         3.47         4.01         3.38         3.91
10. Recreation.......       119.19        12.77        15.22        14.22        16.95        15.61        18.61
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       116.61  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       116.49  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       116.36
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                     [Location: Mayaguez, PR; Date Prepared: 17-Dec-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food at Home......        99.03        25.52        25.27        22.38        22.16        19.35        19.16
2. Food Away From                                                                                               
 Home................        94.02        15.95        15.00        16.09        15.13        16.23        15.26
3. Tobacco...........       100.03         3.13         3.13         2.54         2.54         1.96         1.96
4. Alcohol...........       116.05         2.92         3.39         2.79         3.24         2.67         3.10
5. Furnishings & Hsld                                                                                           
 Op..................        96.46        14.35        13.84        15.95        15.39        17.49        16.87
6. Clothing..........        89.55        14.24        12.75        14.93        13.37        15.59        13.96
7. Domestic Services.        46.82         1.78         0.83         1.79         0.84         1.81         0.85
8. Professional                                                                                                 
 Services............        46.95         5.77         2.71         5.84         2.74         5.91         2.77
9. Personal Care.....        73.19         3.57         2.61         3.47         2.54         3.38         2.47
10. Recreation.......        92.62        12.77        11.83        14.22        13.17        15.61        14.46
                      ------------------------------------------------------------------------------------------
Total Weights........  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........        91.36  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........        91.12  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........        90.86
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                     [Location: San Juan, PR; Date Prepared: 08-Nov-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food at Home......       105.28        25.52        26.87        22.38        23.56        19.35        20.37
2. Food Away From                                                                                               
 Home................       105.61        15.95        16.84        16.09        16.99        16.23        17.14
3. Tobacco...........        93.37         3.13         2.92         2.54         2.37         1.96         1.83
4. Alcohol...........       120.98         2.92         3.53         2.79         3.38         2.67         3.23
5. Furnishings & Hsld                                                                                           
 Op..................       105.19        14.35        15.09        15.95        16.78        17.49        18.40
6. Clothing..........        97.50        14.24        13.88        14.93        14.56        15.59        15.20
7. Domestic Services.        64.69         1.78         1.15         1.79         1.16         1.81         1.17
8. Professional                                                                                                 
 Services............        62.05         5.77         3.58         5.84         3.62         5.91         3.67
9. Personal Care.....        86.61         3.57         3.09         3.47         3.01         3.38         2.93
10. Recreation.......       102.84        12.77        13.13        14.22        14.62        15.61        16.05
                      ------------------------------------------------------------------------------------------
Total Weights........  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       100.08  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       100.05  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........        99.99
----------------------------------------------------------------------------------------------------------------


                                  Consumption Goods and Services Cost Analysis                                  
                      [Puerto Rico Composite; Date Prepared: 21-Feb-94; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes            
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper   
                                                                             income       income        income  
----------------------------------------------------------------------------------------------------------------
San Juan, PR................................................        84.09       100.08       100.05        99.99
Mayaguez, PR................................................        15.91        91.36        91.12        90.86
                                                             ---------------------------------------------------
      Total Weight..........................................       100.00  ...........  ...........  ...........
      Composite Indexes.....................................  ...........        98.69        98.63        98.54
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                     [Location: St. Croix, VI; Date Prepared: 08-Nov-93; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                          Lower income             Middle income              Upper income      
     Categories          Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......       120.21        25.52        30.68        22.38        26.90        19.35        23.26
2. Food Away From                                                                                               
 Home................       106.36        15.95        16.96        16.09        17.11        16.23        17.26
3. Tobacco...........        64.42         3.13         2.02         2.54         1.64         1.96         1.26
4. Alcohol...........        90.30         2.92         2.64         2.79         2.52         2.67         2.41
5. Furnishings & Hsld                                                                                           
 Op..................       116.60        14.35        16.73        15.95        18.60        17.49        20.39
6. Clothing..........        92.08        14.24        13.11        14.93        13.75        15.59        14.36
7. Domestic Services.        65.58         1.78         1.17         1.79         1.17         1.81         1.19
8. Professional                                                                                                 
 Services............        96.71         5.77         5.58         5.84         5.65         5.91         5.72
9. Personal Care.....       104.26         3.57         3.72         3.47         3.62         3.38         3.52
10. Recreation.......        96.60        12.77        12.34        14.22        13.74        15.61        15.08
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       104.95  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       104.70  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       104.45
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                    [Location: St. Thomas, VI; Date Prepared: 08-Nov-93; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                          Lower income             Middle income              Upper income      
     Categories          Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......       128.89        25.52        32.89        22.38        28.85        19.35        24.94
2. Food Away From                                                                                               
 Home................       108.81        15.95        17.36        16.09        17.51        16.23        17.66
3. Tobacco...........        62.88         3.13         1.97         2.54         1.60         1.96         1.23
4. Alcohol...........       114.84         2.92         3.35         2.79         3.20         2.67         3.07
5. Furnishings & Hsld                                                                                           
 Op..................       119.06        14.35        17.09        15.95        18.99        17.49        20.82
6. Clothing..........        85.22        14.24        12.14        14.93        12.72        15.59        13.29
7. Domestic Services.        94.75         1.78         1.69         1.79         1.70         1.81         1.71
8. Professional                                                                                                 
 Services............        99.21         5.77         5.72         5.84         5.79         5.91         5.86
9. Personal Care.....       110.82         3.57         3.96         3.47         3.85         3.38         3.75
10. Recreation.......       112.57        12.77        14.38        14.22        16.01        15.61        17.57
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       110.55  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       110.27  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       109.90
----------------------------------------------------------------------------------------------------------------


                                  Consumption Goods and Services Cost Analysis                                  
                    [Virgin Islands Composite; Date Prepared: 21-Feb-94; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                                                              Lower        Middle       Upper   
                          Location                              Weights       income       income       income  
----------------------------------------------------------------------------------------------------------------
St. Croix, VI...............................................        45.73       104.95       104.70       104.45
St. Thomas, VI..............................................        54.27       110.55       110.22       109.90
                                                             ---------------------------------------------------
      Total Weight..........................................       100.00  ...........  ...........  ...........
      Composite Indexes.....................................  ...........       107.99       107.70       107.41
----------------------------------------------------------------------------------------------------------------


                                     Consumption Goods and Services Analysis                                    
                  [Location: Honolulu Blend,* HI; Date Prepared: 08-Nov-93; Summer 1993 Survey]                 
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......       136.48        25.52        34.83        22.38        30.54        19.35        26.41
2. Food Away From                                                                                               
 Home................       112.82        15.95        17.99        16.09        18.15        16.23        18.31
3. Tobacco...........        63.08         3.13         1.97         2.54         1.60         1.96         1.24
4. Alcohol...........       113.01         2.92         3.30         2.79         3.15         2.67         3.02
5. Furnishings & Hsld                                                                                           
 Op..................       103.59        14.35        14.87        15.95        16.52        17.49        18.12
6. Clothing..........        93.65        14.24        13.34        14.93        13.98        15.59        14.60
7. Domestic Services.        77.83         1.78         1.39         1.79         1.39         1.81         1.41
8. Professional                                                                                                 
 Services............       109.95         5.77         6.34         5.84         6.42         5.91         6.50
9. Personal Care.....        93.52         3.57         3.34         3.47         3.25         3.38         3.16
10. Recreation.......       101.05        12.77        12.90        14.22        14.37        15.61        15.77
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       110.27  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       109.37  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       108.54
----------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange.                                                                          


                                     Consumption Goods and Services Analysis                                    
                  [Location: San Juan Blend,* PR; Date Prepared: 08-Nov-93; Summer 1993 Survey]                 
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......        96.39        25.52        24.60        22.38        21.57        19.35        18.65
2. Food Away From                                                                                               
 Home................       105.61        15.95        16.84        16.09        16.99        16.23        17.14
3. Tobacco...........        67.36         3.13         2.11         2.54         1.71         1.96         1.32
4. Alcohol...........       120.98         2.92         3.53         2.79         3.38         2.67         3.23
5. Furnishings & Hsld                                                                                           
 Op..................       101.31        14.35        14.54        15.95        16.16        17.49        17.72
6. Clothing..........        97.49        14.24        13.88        14.93        14.56        15.59        15.20
7. Domestic Services.        64.69         1.78         1.15         1.79         1.16         1.81         1.17
8. Professional                                                                                                 
 Services............        62.05         5.77         3.58         5.84         3.62         5.91         3.67
9. Personal Care.....        86.13         3.57         3.07         3.47         2.99         3.38         2.91
10. Recreation.......       100.88        12.77        12.88        14.22        14.35        15.61        15.75
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........        96.18  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........        96.49  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........        96.76
----------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange.                                                                          


                                     Consumption Goods and Services Analysis                                    
                      [Location: Guam Blend,* Date Prepared: 11-Jan-94; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
      Categories         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Food At Home......        93.31        25.52        23.81        22.38        20.88        19.35        18.06
2. Food Away From                                                                                               
 Home................       104.82        15.95        16.59        16.09        16.74        16.23        16.88
3. Tobacco...........        48.76         3.13         1.53         2.54         1.24         1.96         0.96
4. Alcohol...........       103.05         2.92         3.01         2.79         2.88         2.67         2.75
5. Furnishings & Hsld                                                                                           
 Op..................       179.05        14.35        25.69        15.95        28.56        17.49        31.32
6. Clothing..........        88.79        14.24        12.64        14.93        13.26        15.59        13.84
7. Domestic Services.       116.23         1.78         2.07         1.79         2.08         1.81         2.10
8. Professional                                                                                                 
 Services............       114.31         5.77         6.60         5.84         6.68         5.91         6.76
9. Personal Care.....       105.12         3.57         3.75         3.47         3.65         3.38         3.55
10. Recreation.......       118.87        12.77        15.18        14.22        16.90        15.61        18.56
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       110.87  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       112.87  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       114.78
----------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange.                                                                          

Nonforeign Area Cost-of-Living Allowances Price Survey Data Collection 
Procedures

Survey Description

    The following information will be provided to the participants 
verbally or in writing. Participants who are familiar with the program 
and the survey may be provided with less information as appropriate.

Purpose

    The Federal Government pays Cost-Of-Living-Allowances (COLA) in 
Alaska, Hawaii, and certain U.S. territories and possessions. Living 
cost differences are determined by comparing costs of goods, services, 
housing, transportation, and other items in the allowance area with the 
cost of the same or similar items and services in the Washington DC 
area. The U.S. Office of Personnel Management (OPM) is responsible for 
the operation of the COLA program.

Data Collection

    OPM, or its representatives, conducts annual Price Surveys to 
determine living cost differences. Local governments, retail outlets, 
realty firms, and businesses providing professional and other services 
to be surveyed are identified through the use of full-scale Background 
Surveys, conducted approximately once every five years. Participation 
in the Price Surveys is voluntary. Data are collected by telephone and/
or personal interview
    Wherever practical and appropriate, the price of each good or 
service is obtained from at least three outlets in each allowance area 
and at least six outlets in the reference area (i.e., the Washington, 
DC, area). Realty data may be obtained from one or multiple sources, as 
appropriate.

Release of Information

    The price data collected from participating firms may be made 
available to Congress or to the general public upon request. This 
includes the name of the company and prices of items or services 
surveyed. The names of proprietors, managers, or other individuals who 
provide price information generally will not be made public. However, 
the Government may release the names of individuals who, on the basis 
of their expertise, provide opinions or estimates.

Public Burden Information

    Public burden reporting for this collection of information is 
estimated to vary from 1 to 20 minutes per response. Send comments 
regarding the burden estimate or any other aspect of this collection of 
information, including suggestion for reducing this burden to Reports 
and Forms Management Officer, U.S. Office of Personnel Management, 1900 
E Street, N.W., Room 6410, Washington, DC, 20415; and to the Office of 
Management and Budget, Paperwork Reduction Project (3206-0199), 
Washington, DC, 20503.
Interview Guidelines
    Three types of information are collected in price surveys: price of 
goods and services, rental prices and related information, and home 
owner prices and related information. The following are the typical 
interview questions used to collect these data.
Price Information Collection
    1. What is the regular (non-sale) price of ________ (a specific 
item or service)?
    Examples of items include, but are not limited to:
Chuck Roast, Bone In.
    Price per pound. Average size package (e.g., not a `family' or 
`bonus' pack).
    1st choice: Arm pot roast.
    2nd Choice: Eye roast.
Peas, Frozen.
    Price for 10 ounce package.
    1st choice: Bird's Eye.
    2nd Choice: Major brand of equivalent quality.
Men's Jeans.
    Price for one pair of blue jeans.
    1st choice: Levi's #501 jeans.
    2nd Choice: Equivalent quality jeans.
Automobile, New.
    `Sticker' price of current year model Honda Civic DX, four door 
sedan, 1.5 liter, four cylinder engine. (Price options, fees, 
financing, and taxes separately.)
Example of services include, but are not limited to:
    Restaurant Service.
    Price of seafood platter--mixed seafood (e.g., not `steak and 
lobster' or `crab leg' platter). If salad and side dish not included 
with entree, price house salad and baked potato or order of french 
fries. Include price of coffee, tax, and 15 percent tip.
Film Developing.
    Price to process and print 35 millimeter, 24 exposure, 100 ASA 
color roll film. Single prints only, standard size and finish.
Doctor, Office Visit.
    Typical fee, after the initial visit, for an office visit when 
medical advice or simple treatment is all that is needed. Do not 
include the charge for a complete physical examination, injections, 
medication, laboratory tests, or similar services.
Oil Change.
    Price of a regular oil change including oil and filter for a 
current year model Honda Civic DX sedan, 1.5 liter, 4 cylinder engine.

    2. Prices of many of the items can be obtained ``off-the-shelf'' 
without assistance. Occasionally, when a specific item is not 
available, assistance from sales or other personnel may be required to 
identify and price substitution items of comparable quality and 
quantity.
    3. Prices of most services are obtained by telephone or personal 
interview. A few services are priced with little or no assistance. For 
example, prices may be obtainable from a displayed price schedule, 
list, or menu.
Housing Component--Rental Information Collection
    1. Describe the location, size, layout, number and types of rooms, 
and square footage of your rental units.
    2. Are they apartments, duplexes, town houses, detached houses, or 
other types of units? Describe.
    3. Are there additional amenities (e.g., pool, sauna, tennis 
courts, gym)? If so, describe.
    4. What is the monthly rent? What is the amount of the security 
deposit (if any)? What other kinds of fees or assessments are there?
    5. Are utilities included? Which ones? If you can, please provide 
information on average monthly or annual costs of utilities paid by 
tenants.
    6. Are term leases usually required? What are the conditions and 
penalties associated with the lease?
    7. Are there any special restrictions or other factors we should 
know about (e.g., seasonal tourist trade)?
Housing Component--Information Collection for Comparable Sales
    1. Describe the location, size, layout, number and types of rooms, 
and square footage of some of your recent home sales.
    2. Were they condominiums, duplexes, town houses, detached houses, 
or other types of dwellings? Describe.
    3. Were there any atypical characteristics (e.g., extra large lot 
sizes, beach front, desirable/undesirable locations)?
    4. Are there additional amenities provided by the developer, 
homeowners association, or similar community group (e.g., pool, sauna, 
tennis courts, gym)? If so, describe facilities and charges.
    5. What was the selling price and date of sale?
    6. What are the real estate taxes?
    7. Do you have any data on utilities relating to these homes?
    8. In the past year or so, what has been the average appreciation 
rate of property in this community? Looking back over the past six 
years, has this rate changed? How?
    9. Describe current market conditions (e.g., soft, booming, so-so). 
How has this affected housing prices? Describe the housing market over 
the past six years.
    10. Are there any special considerations or other factors we should 
know about (e.g., retirement/tourist trade) that might affect the 
housing market in this community?

BILLING CODE 6325-01-M

TN26MY94.000


TN26MY94.001


TN26MY94.002


BILLING CODE 6325-01-C

Nonforeign Area Cost-of-Living Allowances Background Survey Data 
Collection Procedures

Survey Description

    The following information will be provided to the participants 
verbally or in writing. Participants who are familiar with the program 
and the survey may be provided with less information as appropriate.

Purpose

    The Federal Government pays Cost-Of-Living-Allowances (COLA) in 
Alaska, Hawaii, and certain U.S. territories and possessions. Living 
cost differences are determined by comparing costs of goods, services, 
housing, transportation, and other items in the allowance area with the 
cost of the same or similar items and services in the Washington, DC, 
area. The U.S. Office of Personnel Management (OPM) is responsible for 
the operation of the COLA program. OPM, or its representative, conducts 
annual surveys to determine living cost differences. OPM conducts full-
scale Background Surveys approximately once every five years to review 
the appropriateness of items, services, and businesses covered in the 
annual Price surveys. Elements of the Background Survey may be repeated 
annually on a limited basis as part of the maintenance of and 
preparation for the annual Price Surveys.
    OPM uses the Background Survey to identify the services, items, 
quantities, outlets, and locations that will be surveyed to collect 
living cost data within the allowance areas and the Washington, DC, 
area. The Background Survey also is used to collect information on 
local trade practices, consumer buying patterns, taxes and fees, and 
other economic characteristics related to living costs.

Data Collection

    Full-scale Background Surveys are conducted approximately once 
every five years. OPM identifies major manufacturers, local 
governments, retail outlets, realty firms, and businesses providing 
professional services to be surveyed on the basis of business volume 
and local prominence. Participation is voluntary. Data are collected by 
telephone and/or personal interview.

Confidentiality

    All data collected are used only for the purposes described above. 
The Government pledges to hold all micro or ``raw'' data collected in 
confidence. Names of participating businesses and institutions may be 
released. Names of individuals are not released. Summary data will be 
made available to the public only to the extent that micro data cannot 
be associated with data sources.

Public Burden Information

    Public burden reporting for this collection of information is 
estimated to vary from 5 minutes to 30 minutes per response. Send 
comments regarding the burden estimate or any other aspect of this 
collection of information, including suggestion for reducing this 
burden to Reports and Forms Management Officer, U.S. Office of 
Personnel Management, 1900 E Street, N.W., Room CHP 500, Washington, 
DC, 20415; and to the Office of Management and Budget, Paperwork 
Reduction Project (3206-0199), Washington, DC, 20503.

Interview Guidelines

    Seven types of information are collected in background surveys. 
Information is collected on products and services, outlet availability 
and usage, transportation, local taxes and fees, mortgage, real estate, 
and other topics related to the measurement of living costs (e.g., 
specialized information from local chambers of commerce, colleges, and 
universities). The following are the typical interview questions used 
to collect these data.
Product or Service Information
    1. As a major manufacturer/supplier of ________________ (a specific 
product or service, e.g., women's apparel), please identify your items/
services that are most popular (e.g., your `volume sellers').
    2. Which of these items are apt to be readily available in the 
following geographic locations: Alaska (i.e., Anchorage, Fairbanks, and 
Juneau); Hawaii; Guam; Puerto Rico; the Virgin Islands; and Washington, 
DC, and suburbs?
    3. If the items or services are not universally available, are 
there other items or services that are of similar function, quality, 
quantity, size, and type that can be substituted?
    4. Is there anything else we should know about your product or 
service? Are there recommendations you wish to make that would help us 
in our data collection?
Outlet Availability and Usage (Retail)
    1. What is your product or service? What is the address(es) of your 
establishment(s)? If you have multiple locations, which locations have 
the greatest sales volumes (i.e., are most utilized by consumers)?
    2. What are your store/office hours? Do these vary by locations?
    3. Is your full line of products or services available at all 
locations?
    4. Is there anything else we should know about your outlet(s) or 
recommendations you wish to make?
Transportation Information--Private and Public Services
    1. What type of transportation services do you provide (e.g., taxi, 
bus, subway)?
    2. What geographic areas do you service? Which routes are `typical' 
or most heavily utilized?
    3. What is your rate structure? Does it vary by time of day or 
season?
    4. Is there anything else we should know about transportation usage 
and services in your area? Are there recommendations you wish to make 
about our data collection?
Transportation Information--Private Use and Maintenance
    1. What types of driving are most common in your area? What is the 
annual distance driven?
    2. What types roads and highways are common in your area? What are 
the road surfaces and conditions?
    3. Are there unusual climatic or other factors that affect the fuel 
economy, maintenance, and depreciation of vehicles?
    4. Is there anything else we should know about private 
transportation usage and maintenance in your area? Are there 
suggestions or recommendations you wish to make?
Local Taxes and Fees
    1. What types of taxes, licenses, or fees does your State, 
territory, or local jurisdiction levy on real estate; personal 
property; sales (including sales of property); automobiles; utilities; 
or other goods, services, or transactions?
    2. Who levies these taxes, licenses or fees (i.e., State, 
territory, county, city, other jurisdiction)?
    3. What are the rates or schedules for these? How often and when 
are they levied? Do the rates/schedules vary by location, season, or 
other factors?
    4. Is there anything else we should know about taxes and fees in 
your area? Are there suggestions or recommendations you wish to make?
Mortgage Information
    1. What forms of home financing are most common in ________________ 
(the allowance area or Washington, DC metropolitan area)? (Do not 
include second mortgages.)
    2. What are the typical conditions and limitations on loans?
    3. What is the typical amount(s) of down payment required? What are 
the terms and rates?
    4. Are there special subsidies or other practices that influence 
home financing in your area?
    5. Looking back 6 years, what types of changes have occurred that 
affect home financing?
    6. Is there anything else we should know about home financing in 
your area? Are there suggestions or recommendations you wish to make 
that would help us in our data collection?
Real Estate Information
    1. What is the availability of housing in ________________ (the 
allowance area or Washington, DC metropolitan area)? Of principal 
interest is housing for typical salary and wage earners (as 
distinguished from retirees, tourists, or other special groups) for 
persons with low, moderate, and high incomes.
    2. Describe the communities within your area in which persons 
________________ (specify occupation/income characteristics) typically 
live. If appropriate, identify separate communities for renters and 
home owners. Where are these communities located relative to the major 
Federal activities in the area?
    3. Describe the type of housing (e.g., apartment, condominium, town 
house, detached house).
    4. For each type of housing, what are the usual number of rooms, 
bedrooms, baths, total square footage, lot size, type of construction, 
and similar characteristics?
    5. What types of utilities are available and typically used in 
these communities: sewer, water, natural gas, electricity, others?
    6. Are there any unusual factors that might affect maintenance 
requirements in your area?
    7. Looking back six years, describe the changes that significantly 
affected the housing market (both rental and owner markets).
    8. Is there anything else we should know about the housing market 
in your area? Are there suggestions or recommendations you wish to make 
concerning our data collection?
Other Types of Information
    Occasionally, it is necessary to collect information from colleges, 
universities, chambers of commerce, trade associations, and other 
groups on specific subjects relating to the analysis of living costs. 
For example, a university known to be involved in home energy research 
may be contacted to determine whether there are consumption data by 
region or allowance area that could have application in the COLA 
program.
    When such data are collected, the purpose and basic structure of 
the interview will follow the patterns shown above. The substance, 
however, will vary with the subject matter.

BILLING CODE 6325-01-M

TN26MY94.003


BILLING CODE 6325-01-C

                             Appendix 6.--1993/1994 OPM Living Community Selection                              
----------------------------------------------------------------------------------------------------------------
                                         Low                        Middle                       High           
----------------------------------------------------------------------------------------------------------------
City and County of                                                                                              
 Honolulu, Hawaii:                                                                                              
    Homeowner..............  Waianae....................  Kaneohe...................  Mililani Town.            
                             Wahiawa....................  Pearl City................  Kailua.                   
    Renter.................  Waianae....................  Wahiawa...................  Mililani Town.            
                             Makiki.....................  Kaneohe...................  Aiea.                     
Hawaii County, Hawaii:                                                                                          
Hilo, Hawaii:                                                                                                   
    Homeowner..............  Hilo.......................  Hilo......................  Hilo.                     
    Renter.................  Hilo.......................  Hilo......................  Hilo.                     
Kailua Kona, Hawaii:                                                                                            
    Homeowner..............  Kailua Kona................  Kailua Kona...............  Kailua Kona.              
    Renter.................  Kailua Kona................  Kailua Kona...............  Kailua Kona.              
Kauai, Hawaii:                                                                                                  
    Homeowner..............  Lihue......................  Lihue.....................  Princeville.              
                             Kapaa......................  Kappa.....................  Kalaheo.                  
    Renter.................  Lihue......................  Lihue.....................  Princeville.              
                             Hanamaulu..................  Kapaa.....................  Poipu.                    
                             Hanapepe...................  Wailua....................                            
Maui, Hawaii:                                                                                                   
    Homeowner..............  Wailuku....................  Lahaina...................  Lahaina.                  
                             Kahului....................  Kihei.....................                            
    Renter.................  Kahului....................  Kahului...................  Lahaina.                  
                             Wailuku....................  Wailuku...................  Kihei.                    
                                                          Lahaina...................                            
Guam:                                                                                                           
    Homeowner..............  Dededo.....................  Dededo....................  Dededo.                   
                                                          Yigo......................  Barrigada Heights.        
    Renter.................  Agana......................  Agana.....................  Jonestown.                
                             Agat/Santa Rita............  Yigo......................  Pago Bay.                 
Puerto Rico:                                                                                                    
    Homeowner..............  Alturas....................  Alturas...................  Miradero.                 
                                                          Sultana...................  Sultana.                  
    Renter.................  Mayaguez...................  Alturas...................  Miradero.                 
                             Terrace....................  Sultana...................                            
San Juan, Puerto Rico:                                                                                          
    Homeowner..............  Carolina...................  Carolina..................  Guaynabo.                 
                             Bayamon....................  VA Hospital Area..........  Hato Rey.                 
    Renter.................  Carolina...................  Old San Juan..............  Old San Juan.             
                             Isla Verde.................  Isla Verde................  Condado.                  
St. Croix, Virgin Islands:                                                                                      
    Homeowner..............  Christiansted..............  Christiansted.............  Christiansted.            
                             Frederiksted Area..........  Frederiksted Area.........  Frederiksted Area.        
    Renter.................  Christiansted..............  Christiansted.............  Christiansted.            
                             Frederiksted Area..........  Frederiksted Area.........                            
St. Thomas, Virgin Islands:                                                                                     
    Homeowner..............  Charlotte Amalie...........  Charlotte Amalie..........  Charlotte Amalie.         
    Renter.................  Charlotte Amalie...........  Charlotte Amalie..........  Charlotte Amalie.         
Washington DC, District of                                                                                      
 Columbia:                                                                                                      
    Homeowner..............  Northeast DC...............  Northeast DC..............  Northwest DC.**           
    Renter.................  Northeast DC...............  Northeast DC..............  Northwest DC.**           
Washington DC, Maryland:                                                                                        
    Homeowner..............  Suitland...................  Gaithersburg..............  Rockville.                
    Renter.................  Capitol Heights............  Germantown................  Rockville.                
Washington DC, Virginia:                                                                                        
    Homeowner..............  Woodbridge.................  Dale City.................  Springfield.              
    Renter.................  Woodbridge.................  Fairfax/Falls Church......  Alexandria.               
----------------------------------------------------------------------------------------------------------------
**Northwest DC excludes Georgetown, but includes Dupont Circle, Cleveland Park and Adams Morgan.                


                                              Housing Cost Analysis                                             
                     [Location: Honolulu, HI, Date Prepared: 03-Nov-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                      Category                                  
                                   -----------------------------------------------------------------------------
                                          Lower income             Middle income           Upper                
           Annual costs            ----------------------------------------------------   income                
                                                                                       -------------    Renter  
                                       Owner       Renter        Owner       Renter        Owner                
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          390  ...........          459  ...........          528  ...........
Insurance.........................          807          444         1347          444         1749          444
Utilities.........................         1117         1012         1250         1117         1382         1179
Real Estate Taxes.................          587  ...........         1004  ...........         1123  ...........
Housing...........................        13067         9792        21196        11664        24249        15288
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        15968        11248        25283        13225        29031        16911
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                       [Location: Hilo HI, Date Prepared: 16-Dec-93; Summer 1993 Survey]                        
----------------------------------------------------------------------------------------------------------------
                                                                      Category                                  
                                   -----------------------------------------------------------------------------
                                          Lower income             Middle income           Upper                
           Annual costs            ----------------------------------------------------   income                
                                                                                       -------------    Renter  
                                       Owner       Renter        Owner       Renter        Owner                
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          354  ...........          417  ...........          480  ...........
Insurance.........................          675          371          717          371          783          440
Utilities.........................         1313         1177         1482         1313         1652         1392
Real Estate Taxes.................          404  ...........          547  ...........          703  ...........
Housing...........................         8269         6204        11195         8376        13066        10416
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        11015         7752        14358        10060        16684        12248
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                   [Location: Kailua Kona, HI, Date Prepared: 03-Nov-93; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                                                      Category                                  
                                   -----------------------------------------------------------------------------
                                          Lower income             Middle income           Upper                
           Annual costs            ----------------------------------------------------   income                
                                                                                       -------------    Renter  
                                       Owner       Renter        Owner       Renter        Owner                
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          349  ...........          411  ...........          473  ...........
Insurance.........................          694          444          834          444         1023          444
Utilities.........................         1313         1177         1482         1313         1652         1392
Real Estate Taxes.................          533  ...........          814  ...........          984  ...........
Housing...........................         9939         8136        14180         9612        16939        12600
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        12828         9757        17721        11369        21071        14436
----------------------------------------------------------------------------------------------------------------


                                  Housing Cost Analysis Hawaii County Composite                                 
                                 [Summer 1993 Survey, Date Prepared: 24-Feb-94]                                 
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
       Location          Weights          Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Hilo, HI.............        82.25       11,015        7,752       14,358       10,060       16,684       12,248
Kailua Kona, HI......        17.75       12,828        9,757       17,721       11,369       21,071       14,436
                      ------------------------------------------------------------------------------------------
      Total Weight...       100.00                                                                              
      Hawaii County,                                                                                            
       HI Cost.......  ...........       11,337        8,108       14,955       10,292       17,463       12,636
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                   [Location: Kauai County, HI, Date Prepared: 24-Feb-94; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          323  ...........          380  ...........          437  ...........
Insurance.........................          720          444          835          444         1025          444
Utilities.........................         1324         1186         1496         1324         1669         1404
Real Estate Taxes.................          493  ...........          673  ...........          862  ...........
Housing...........................        11122        11052        14349        12600        17734        18132
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        13982        12682        17733        14368        21727        19980
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                    [Location: Maui County, HI, Date Prepared: 03-Nov-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          354  ...........          416  ...........          478  ...........
Insurance.........................          215          168          382          173          373          190
Utilities.........................         1565         1393         1781         1565         1996         1666
Real Estate Taxes.................          588  ...........          826  ...........         1074  ...........
Housing...........................        11648         7620        16523         9564        20105        13200
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        14370         9181        19928        11302        24026        15056
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                         [Location: Guam, Date Prepared: 03-Nov-93; Summer 1993 Survey]                         
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          464  ...........          546  ...........          628  ...........
Insurance.........................         2266           81         2738          163         3474          325
Utilities.........................         1778         1630         1963         1778         2148         1864
Real Estate Taxes.................          229  ...........          281  ...........          578  ...........
Housing...........................         9954         9636        13018        12600        17811        21000
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        14691        11347        18546        14541        24639        23189
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                     [Location: Mayaguez, PR, Date Prepared: 03-Nov-03; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income             Middle income              Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner       Renter        Owner       Renter        Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          201  ...........          236  ...........          271  ...........
Insurance.........................          324          136          538          221          804          298
Utilities.........................         1000          906         1117         1000         1235         1055
Real Estate Taxes.................            0  ...........          304  ...........          329  ...........
Housing...........................         3939         4980         6312         7272         9185        11784
                                   -----------------------------------------------------------------------------
Total Annual Cost.................         5464         6022         8507         8493        11824        13137
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                     [Location: San Juan, PR, Date Prepared: 03-Nov-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income             Middle income              Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner       Renter        Owner       Renter        Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          275  ...........          324  ...........          373  ...........
Insurance.........................          324          136          494          221          883          298
Utilities.........................         1020          926         1137         1020         1255         1075
Real Estate Taxes.................          382  ...........          524  ...........          946  ...........
Housing...........................         3970         8736         5438        12816         9823        22716
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........         5971         9798         7917        14057        13280        24089
----------------------------------------------------------------------------------------------------------------


                                  Housing Cost Analysis--Puerto Rico Composite                                  
                                 [Date Prepared: 24-Feb-94; Summer 1993 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
       Location          Weights          Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
San Juan, PR.........        84.09        5,971        9,798        7,917       14,057       13,280       24,089
Mayaguez, PR.........        15.91        5,464        6,022        8,507        8,493       11,824       13,137
                      ------------------------------------------------------------------------------------------
      Total Weight...       100.00                                                                              
      Puerto Rico                                                                                               
       Cost..........                     5,890        9,197        8,011       13,172       13,048       22,347
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                     [Location: St Croix, VI; Date Prepared: 24-Feb-94; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          329  ...........          387  ...........          445  ...........
Insurance.........................         1762          390         2717          390         3647          705
Utilities.........................         1755         1557         2002         1755         2249         1870
Real Estate Taxes.................          590  ...........          952  ...........         1223  ...........
Housing...........................         8242         8148        12708        12924        14156        16332
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        12678        10095        18766        15069        21720        18907
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                     [Location: St Thomas, VI; Date Prepared: 03-Nov-93; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          337  ...........          397  ...........          457  ...........
Insurance.........................         2179          390         3102          390         4361          705
Utilities.........................         1755         1557         2002         1755         2249         1870
Real Estate Taxes.................          780  ...........         1189  ...........         1419  ...........
Housing...........................        10074         9408        14340        11736        16729        16572
                                   -----------------------------------------------------------------------------
      Total Annual Cost...........        15125        11355        21030        13881        25215        19147
----------------------------------------------------------------------------------------------------------------


                                 Housing Cost Analysis--Virgin Islands Composite                                
                                 [Summer 1993 Survey; Date Prepared: 24-Feb-94]                                 
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
       Location          Weights          Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner       Renter        Owner        Renter  
----------------------------------------------------------------------------------------------------------------
St. Croix, VI........        45.73       12,678       10,095       18,766       15,069       21,720       18,907
St. Thomas, VI.......        54.27       15,125       11,355       21,030       13,881       25,215       19,147
                      ------------------------------------------------------------------------------------------
    Total Weight.....       100.00                                                                              
Puerto Rico Cost.....  ...........       14,006       10,779       19,995       14,424       23,617      19,037 
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                  [Location: Washington, DC, MD; Date Prepared: 04-Nov-93; Summer 1993 Survey]                  
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income             Middle income              Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner       Renter        Owner       Renter        Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          308  ...........          362  ...........          416  ...........
Insurance.........................          317          131          383          131          817          171
Utilities.........................         2226         1954         2567         2226         2907         2385
Real Estate Taxes.................          627  ...........          917  ...........         2314  ...........
Housing...........................         6164         5484         8115         7152        17531        18528
                                   -----------------------------------------------------------------------------
      Total annual cost...........         9642         7569        12344         9509        23985        21084
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                  [Location: Washington, DC, MD; Date Prepared: 04-Nov-93; Summer 1993 Survey]                  
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income             Middle income              Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner       Renter        Owner       Renter        Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          316  ...........          372  ...........          428  ...........
Insurance.........................          185          101          207          120          348          145
Utilities.........................         2394         2103         2757         2394         3121         2563
Real Estate Taxes.................         1320  ...........         1274  ...........         2620  ...........
Housing...........................         6223         6312         7616         9168        13081        12948
                                   -----------------------------------------------------------------------------
      Total annual cost...........        10438         8516        12226        11682        19598        15656
----------------------------------------------------------------------------------------------------------------


                                              Housing Cost Analysis                                             
                  [Location: Washington, DC, VA; Date Prepared: 04-Nov-93; Summer 1993 Survey]                  
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
             Category                     Lower income             Middle income              Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner       Renter        Owner       Renter        Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Maintenance.......................          250  ...........          294  ...........          338  ...........
Insurance.........................          154           95          188           95          229          115
Utilities.........................         2216         1946         2553         2216         2890         2373
Real Estate Taxes.................         1479  ...........         1892  ...........         2545  ...........
Housing...........................         6193         7044         8316         9156        11914        11844
                                   -----------------------------------------------------------------------------
      Total annual cost...........        10292         9085        13243        11467        17916        14332
----------------------------------------------------------------------------------------------------------------


                                 Housing Cost Analysis--Washington DC Composite                                 
                            [Summer 1993 Pricing: Date Prepared: 04-Nov-93; 02:16 PM]                           
----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs                                
                                   -----------------------------------------------------------------------------
       Location          Weights          Lower income              Middle income             Upper income      
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter  
----------------------------------------------------------------------------------------------------------------
Washington, DC, DC...        33.34        9,642        7,569       12,344        9,509       23,985       21,084
Washington, DC, MD...        33.33       10,438        8,516       12,226       11,682       19,598       15,656
Washington, DC, VA...        33.33       10,292        9,085       13,243       11,467       17,916       14,332
                      ------------------------------------------------------------------------------------------
      Total Weight...       100.00                                                                              
      Composite Cost.                    10,124        8,390       12,604       10,886       20,500       17,024
----------------------------------------------------------------------------------------------------------------


                                                Housing Analysis                                                
                [Location: Honolulu, HI, Summer 1993 Survey: Date Prepared: 04-Nov-93; 02:55 PM]                
----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters               
                                   -----------------------------------------------------------------------------
                                       Total      Total Cost                  Total      Total Cost             
                                    Annual Cost    DC Area       Index     Annual Cost    DC Area       Index   
----------------------------------------------------------------------------------------------------------------
Lower Income......................       15,968       10,124       157.72       11,248        8,390       134.06
Middle Income.....................       25,283       12,604       200.60       13,225       10,886       121.49
Upper Income......................       29,031       20,500       141.61       16,911       17,024        99.34
----------------------------------------------------------------------------------------------------------------


                                                Housing Analysis                                                
              [Location: Hawaii County, HI, Summer 1993 Survey: Date Prepared: 24-Feb-94; 12:25 PM]             
----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters               
                                   -----------------------------------------------------------------------------
                                       Total      Total Cost                  Total      Total Cost             
                                    Annual Cost    DC Area       Index     Annual Cost    DC Area       Index   
----------------------------------------------------------------------------------------------------------------
Lower Income......................       11,337       10,124       111.98        8,108        8,390        96.64
Middle Income.....................       14,955       12,604       118.65       10,292       10,886        94.54
Upper Income......................       17,463       20,500        85.19       12,636       17,024        74.22
----------------------------------------------------------------------------------------------------------------


                                                Housing Analysis                                                
              [Location: Kauai County, HI, Summer 1993 Survey: Date Prepared: 24-Feb-94; 01:25 PM]              
----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters               
                                   -----------------------------------------------------------------------------
                                       Total      Total Cost                  Total      Total Cost             
                                    Annual Cost    DC Area       Index     Annual Cost    DC Area       Index   
----------------------------------------------------------------------------------------------------------------
Lower Income......................       13,982       10,124       138.11       12,682        8,390       151.16
Middle Income.....................       17,733       12,604       140.69       14,368       10,886       131.99
Upper Income......................       21,727       20,500       105.99       19,980       17,024       117.36
----------------------------------------------------------------------------------------------------------------


                                                Housing Analysis                                                
               [Location: Maui County, HI, Summer 1993 Survey: Date Prepared: 04-Nov-93; 02:56 PM]              
----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters               
                                   -----------------------------------------------------------------------------
                                       Total      Total Cost                  Total      Total Cost             
                                    Annual Cost    DC Area       Index     Annual Cost    DC Area       Index   
----------------------------------------------------------------------------------------------------------------
Lower Income......................       14,370       10,124       141.94        9,181        8,390       109.43
Middle Income.....................       19,928       12,604       158.11       11,302       10,886       103.82
Upper Income......................       24,026       20,500       117.20       15,056       17,024        88.44
----------------------------------------------------------------------------------------------------------------


                                                Housing Analysis                                                
                    [Location: Guam, Summer 1993 Survey: Date Prepared: 04-Nov-93; 02:53 PM]                    
----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters               
                                   -----------------------------------------------------------------------------
                                       Total      Total Cost                  Total      Total Cost             
                                    Annual Cost    DC Area       Index     Annual Cost    DC Area       Index   
----------------------------------------------------------------------------------------------------------------
Lower Income......................       14,691       10,124       145.11       11,347        8,390       135.24
Middle Income.....................       18,546       12,604       147.14       14,541       10,886       133.58
Upper Income......................       24,639       20,500       120.19       23,189       17,024       136.21
----------------------------------------------------------------------------------------------------------------


                                                Housing Analysis                                                
                 [Location: Puerto Rico, Summer 1993 Survey: Date Prepared: 24-Feb-94; 03:12 PM]                
----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters               
                                   -----------------------------------------------------------------------------
                                       Total      Total Cost                  Total      Total Cost             
                                    Annual Cost    DC Area       Index     Annual Cost    DC Area       Index   
----------------------------------------------------------------------------------------------------------------
Lower Income......................        5,890       10,124        58.18        9,197        8,390       109.62
Middle Income.....................        8,011       12,604        63.56       13,172       10,886       121.00
Upper Income......................       13,048       20,500        63.65       22,347       17,024       131.27
----------------------------------------------------------------------------------------------------------------


                                                Housing Analysis                                                
               [Location: Virgin Islands, Summer 1993 Survey: Date Prepared: 24-Feb-94; 02:44 PM]               
----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters               
                                   -----------------------------------------------------------------------------
                                       Total      Total Cost                  Total      Total Cost             
                                    Annual Cost    DC Area       Index     Annual Cost    DC Area       Index   
----------------------------------------------------------------------------------------------------------------
Lower Income......................       14,006       10,124       138.34       10,779        8,390       128.47
Middle Income.....................       19,995       12,604       158.64       14,424       10,886       132.50
Upper Income......................       23,617       20,500       115.20       19,037       17,024       111.82
----------------------------------------------------------------------------------------------------------------


                                    Appendix 9A.--Analysis of Home Sales Data                                   
----------------------------------------------------------------------------------------------------------------
                               Previous                   Current                                               
       Location       ----------------------------------------------------    Change      Percent    Final value
                           OBS        Average        OBS        Average     (percent)       adj.                
----------------------------------------------------------------------------------------------------------------
City and County of                                                                                              
 Honolulu, Hawaii:                                                                                              
    Lower............           25     $211,347           46     $202,041         -4.4           NA     $202,041
    Middle...........           48      329,693           41      245,973        -25.4         -0.6   \1\327,715
    Upper............           78      363,460           96      374,918          3.2           NA      374,918
                                                                                                                
  Notes: Real estate professionals state that market is stable. Change at middle level is not consistent with   
   change at lower and upper levels nor with professionals' opinions. Data are stronger at lower and upper      
   levels. Therefore, last year's middle value is adjusted by average rate of change at lower and upper levels. 
----------------------------------------------------------------------------------------------------------------
Hilo, Hawaii:                                                                                                   
    Lower............           15     $130,743           23     $127,854         -2.2           NA     $127,854
    Middle...........           16      162,903           36      172,185          5.7           NA      172,185
    Upper............           21      197,863           18      225,335         13.9          1.7   \1\201,227
                                                                                                                
  Notes: Real estate professionals state that housing market is soft. Trends vary greatly among income levels.  
   Trends at upper level are incongruous with trends at other two levels and with opinions of real estate       
   professionals. Therefore, last year's upper value is adjusted by the average rate of change at lower and     
   middle levels.                                                                                               
----------------------------------------------------------------------------------------------------------------
Kailua Kona, Hawaii:                                                                                            
    Lower............           13     $159,867           24     $153,666         -3.9           NA     $153,666
    Middle...........           22      222,950           26      219,245         -1.7           NA      219,245
    Upper............           26      261,018           36      261,902          0.3           NA      261,902
                                                                                                                
  Notes: Real Estate professionals believe market is stable. Data are more numerous this year and are good.     
   Changes nearly uniform among levels. Therefore, no adjustments made.                                         
----------------------------------------------------------------------------------------------------------------
Kauai, Hawaii:                                                                                                  
    Lower............            9     $171,792           13     $144,810        -15.7          0.1  \1\$171,964
    Middle...........            3      221,624           10      221,858          0.1           NA      221,858
    Upper............           10      273,921           21      221,986        -19.0          0.1   \1\274,195
                                                                                                                
  Notes: Real estate professionals believe prices are generally stable except at upper level, where prices      
   declined. Professionals say market not affected by Hurricane Iniki, but condition of properties at sale is   
   not known. Decreases could reflect short-term fluctuations due to storm damage. Therefore, change at middle  
   level used to adjust last year's values at lower and upper levels because change is more consistent with     
   professionals' opinions.                                                                                     
----------------------------------------------------------------------------------------------------------------
Maui, Hawaii:                                                                                                   
    Lower............            7     $207,913           18     $180,099        -13.4           NA     $180,099
    Middle...........           19      275,925           34      255,476         -7.4           NA      255,476
    Upper............            8      346,925            6      369,274          6.4        -10.4   \1\310,845
                                                                                                                
  Notes: Real estate professionals state housing prices are declining because of the slower U.S. economy, lack  
   of tourism, and decrease in foreign investments. Therefore, the average change at the lower and middle levels
   is used to adjust the previous year's value at the upper level.                                              
----------------------------------------------------------------------------------------------------------------
Guam:                                                                                                           
    Lower............            3     $130,855           26     $144,738         10.6           NA     $144,738
    Middle...........            6      162,534           15      189,280         16.5           NA      189,280
    Upper............            3      309,777           13      258,978        -16.4           NA      258,978
                                                                                                                
  Notes: Real estate professionals believe that market is soft and that prices have declined in the past year.  
   Typhoon Omar does not appear to have adversely affected market. Quantity of data is significantly greater    
   this year at all income levels. Data are good. Therefore, no adjustments made.                               
----------------------------------------------------------------------------------------------------------------
Mayaguez, Puerto                                                                                                
 Rico:                                                                                                          
    Lower............            2      $61,459            1      $65,106          5.9         -0.9   \1\$60,906
    Middle...........            5       98,484            5      100,737          2.3         -0.9    \1\97,598
    Upper............            4      143,298            4      130,169         -9.2         -0.9   \1\142,008
                                                       (\2\)        (\2\)        (\2\)                          
                                                       (\3\)        (\3\)        (\3\)                          
                                                                                                                
  Notes: Real estate professionals indicate that market has been very slow and prices have been flat. Data are  
   sparse at all levels. Therefore, previous and current year's data are merged separately and the overall      
   change for the two sets of merged data is used to adjust the previous year's values at each level.           
----------------------------------------------------------------------------------------------------------------
San Juan, Puerto                                                                                                
 Rico:                                                                                                          
    Lower............           79      $62,271          147      $61,389         -1.4           NA      $61,389
    Middle...........           23       84,721           48       84,084         -0.8           NA       84,084
    Upper............           31      151,946           31      151,878          0.0           NA      151,878
                                                                                                                
  Notes: Real estate professionals believe that prices are stable. Change is fairly uniform among income levels.
   Number of observations in current survey exceed previous survey at the lower and middle levels. Since this   
   year's data are more numerous and change is consistent with professional opinions, no adjustments are made.  
----------------------------------------------------------------------------------------------------------------
St Croix, Virgin                                                                                                
 Islands:                                                                                                       
    Lower............           10     $103,635            6      $78,705        -24.1          9.0     $112,962
    Middle...........            5      151,866            8      174,161         14.7           NA      174,161
    Upper............            3      188,037            5      194,004          3.2           NA      194,004
                                                                                                                
  Notes: Real estate professionals believe market is very slow. Data are sparse at all income levels, and trends
   vary widely among levels and differ from real estate professionals opinions. Trend at lower income level     
   incongruous with trends at other two levels and also with professional's opinions. Therefore, the previous   
   year's value at the lower income is adjusted by the average rate of change at middle and upper income level. 
----------------------------------------------------------------------------------------------------------------
St Thomas, Virgin                                                                                               
 Islands:                                                                                                       
    Lower............            9     $128,930           11     $139,680          8.3           NA     $139,680
    Middle...........            6      183,591            2      217,997         18.7          8.3   \1\198,829
    Upper............            3      214,173            5      241,196         12.6          8.3   \1\231,949
                                                                                                                
  Notes: Real estate professionals believe market is declining. Data are sparse at middle and upper levels.     
   Therefore, the rate of change at lower level is used to adjust previous values at middle and upper levels.   
----------------------------------------------------------------------------------------------------------------
Washington DC,                                                                                                  
 District of Columbia                                                                                           
 Summer 1993 Survey:                                                                                            
    Lower............           46      $88,083           38      $97,218         10.4          8.2   \1\$95,306
    Middle...........           40      115,960           34      108,433         -6.5          8.2   \1\125,469
    Upper............           30      250,512           56      302,515         20.8          8.2   \1\271,054
                                                                                                                
  Notes: Real estate professionals state that prices have remained stable. Data are generally less numerous than
   previous data. Trends vary significantly among levels and are not consistent with professionals' opinions.   
   Therefore, average rate of the change at all three income levels is used to adjust last year's data.         
----------------------------------------------------------------------------------------------------------------
Washington DC,                                                                                                  
 Maryland Summer 1993                                                                                           
 Survey:                                                                                                        
    Lower............            9     $104,832           14      $95,031         -9.3           NA      $95,031
    Middle...........            8      125,723           12      174,538         38.8         -7.5   \1\116,294
    Upper............           13      211,667           19      199,750         -5.6           NA      199,750
                                                                                                                
  Notes: Real estate professionals indicate that market has been slow and prices stable. Change at middle level 
   is greater than what professionals believe is likely. Therefore, change at lower and upper income levels are 
   averaged and used to adjust last year's middle value.                                                        
----------------------------------------------------------------------------------------------------------------
Washington DC,                                                                                                  
 Virginia Summer 1993                                                                                           
 Survey:                                                                                                        
    Lower............           45      $95,184           40      $94,563         -0.7           NA      $94,563
    Middle...........           81      125,047           66      126,984          1.5           NA      126,984
    Upper............          114      182,325          139      181,917         -0.2           NA      181,917
                                                                                                                
  Notes: Real estate professionals say that the market is slow. Data are numerous at all income levels. Data are
   good, and rates of change appear consistent with professionals' opinions. Therefore, no adjustments are made.
----------------------------------------------------------------------------------------------------------------
\1\Adjusted.                                                                                                    
\2\Overall average = -0.3 percent.                                                                              
\3\Merged average = -0.9 percent.                                                                               


                                                          Appendix 9B.--Analysis of Rental Data                                                         
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                            Previous                         Current                                                    
                                                     ------------------------------------------------------------------  Percent     Percent     Final  
                      Location                                                         Nonbroker                         change    adjustment    value  
                                                         OBS      Average      OBS                 Broker     Average                                   
--------------------------------------------------------------------------------------------------------------------------------------------------------
City and county of Honolulu, Hawaii:                                                                                                                    
    Lower...........................................         68       $750        218       $795       $836       $816        8.8          NA       $816
    Middle..........................................         42        960        140        993        950        972        1.3          NA        972
    Upper...........................................         69      1,384        479      1,266      1,281      1,274       -7.9          NA      1,274
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate market is soft, especially for house rentals. Observed trends support this. Number of observations significantly   
 greater this year. Current data are good. Therefore, no adjustments made.                                                                              
                                                                                                                                                        
========================================================================================================================================================
Hilo, Hawaii:                                                                                                                                           
    Lower...........................................         16       $584         21       $414       $619       $517      -11.5          NA       $517
    Middle..........................................         19        716         39        552        844        698       -2.5          NA        698
    Upper...........................................         37        878        143        685      1,050        868       -1.1          NA        868
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate market is soft and that prices are stable or declining. Number of observations greater this year, particularly at  
 upper level. Current data are good. Therefore, no adjustments made.                                                                                    
                                                                                                                                                        
========================================================================================================================================================
Kailua Kona, Hawaii:                                                                                                                                    
    Lower...........................................         17       $734         76       $617       $738       $678       -7.6          NA       $678
    Middle..........................................         22        883         58        727        875        801       -9.3          NA        801
    Upper...........................................         27      1,111         97        925      1,175      1,050       -5.5          NA      1,050
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate market is soft and that prices are stable or declining. Number of observations significantly greater this year at  
 all levels. Current data are good. Therefore, no adjustments are made.                                                                                 
                                                                                                                                                        
========================================================================================================================================================
Kauai, Hawaii:                                                                                                                                          
    Lower...........................................         15       $811         19       $600       $800      $800B       -1.4        13.6      $921*
    Middle..........................................         20        906         25      1,000      1,100      1,050       15.9          NA      1,050
    Upper...........................................         22      1,358         56      1,643      1,379      1,511       11.3          NA      1,511
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
*Adjusted by average at middle and upper levels                                                                                                         
B=Broker only because less than 3 non-broker samples.                                                                                                   
Notes: Realty professionals indicate greater demand for rentals as a result of Iniki but believe prices are stable. (This agrees with broker data       
 trends.) Current data are good at middle and upper income levels but are weaker at lower income levels. Therefore, previous year's rate at lower level 
 is adjusted by the average of the rates of change at the middle and upper income levels.                                                               
                                                                                                                                                        
========================================================================================================================================================
Maui, Hawaii:                                                                                                                                           
    Lower...........................................         33       $650         52       $601       $669       $635       -2.3          NA       $635
    Middle..........................................         51        847         60        708        885        797       -5.9          NA        797
    Upper...........................................         71      1,085         84      1,020      1,179      1,100        1.4          NA      1,100
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that prices are stable or declining. Tourism is low, and this is depressing the rental market. Number of           
 observations are greater this year than last year. Current data are good. Therefore, no adjustments made.                                              
                                                                                                                                                        
========================================================================================================================================================
Guam:                                                                                                                                                   
    Lower...........................................         16       $749         24       $749       $856       $803        7.2          NA       $803
    Middle..........................................         20      1,061         35        980      1,119      1.050       -1.0          NA      1,050
    Upper...........................................         39      1,559         63      1,421      2,079      1,750       12.3          NA      1,750
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicated that rental prices were declining earlier in the year but now are increasing perhaps because of increased         
 homeowner insurance costs as a result of typhoon Omar. Professionals believe tourism is down, that this reduces demand and partially offsets rent      
 increases that might otherwise occur. Number of observations greater this year. Current data are good. Therefore, no adjustments made.                 
                                                                                                                                                        
========================================================================================================================================================
Mayaguez, Puerto Rico:                                                                                                                                  
    Lower...........................................         10       $408          8       $600       $490       490B       20.1         1.6      $415*
    Middle..........................................         22        596         10        588        638        613        2.9         1.6       606*
    Upper...........................................         10        967         25        760        820        790      -18.3         1.6       982*
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
B=Broker only because less than 3 non-broker samples.                                                                                                   
Overall average: 1.6%.                                                                                                                                  
*Adjusted by overall average.                                                                                                                           
Notes: Realty professionals indicate that market is stable but tight because of college student population and demand for units. Data trends are        
 divergent, even among broker data. Therefore, rates of change at all three levels are averaged and result (1.6%) used to adjust last year's results by 
 income level.                                                                                                                                          
                                                                                                                                                        
========================================================================================================================================================
San Juan, Puerto Rico:                                                                                                                                  
    Lower...........................................         29       $684         36       $708       $747       $728        6.4          NA       $728
    Middle..........................................         34      1,079         50      1,185        950      1,068       -1.0          NA      1,068
    Upper...........................................         50      1,996         98      1,831      1,955      1,893       -5.2          NA      1,893
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate rental market is stable or decreasing. Number of observations greater this year, particularly at upper level.      
 Current data are good. Therefore, no adjustments made.                                                                                                 
                                                                                                                                                        
========================================================================================================================================================
St Croix, Virgin Islands:                                                                                                                               
    Lower...........................................          4       $697         80       $714       $644       $679       -2.6          NA       $679
    Middle..........................................          4      1,129         49        840        754        797      -29.4        -4.6      1,077
    Upper...........................................         19      1,457         39      1,427      1,295      1,361       -6.6          NA      1,361
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals say that rental rates are declining. However, change at middle income level is incongruous with change at other two levels  
 and beyond what realty professionals would expect. Therefore, rates of change at lower and upper income levels are averaged and used to adjust previous
 year's rate at middle income level.                                                                                                                    
                                                                                                                                                        
========================================================================================================================================================
St. Thomas, Virgin Islands:                                                                                                                             
    Lower...........................................         32       $735         62       $643       $925       $784        6.7          NA       $784
    Middle..........................................         25      1,069         60        930      1,025        978       -8.5          NA        978
    Upper...........................................         22      1,530         44      1,273      1,488      1,381       -9.7          NA      1,381
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals believe prices are declining because rental availability is at peak since hurricane Hugo. Number of observations greater    
 this year at all levels. Current data are good. Therefore, no adjustments made.                                                                        
                                                                                                                                                        
========================================================================================================================================================
Washington DC, District of Columbia Summer 1993                                                                                                         
 Survey:                                                                                                                                                
    Lower...........................................         99       $485        160       $451       $463       $457       -5.8          NA       $457
    Middle..........................................         54        643         69        592        600        596       -7.3          NA        596
    Upper...........................................         34      1,594         55      1,450      1,638      1,544       -3.1          NA      1,544
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that market is stable and that rental availability is good. However, trends indicate market is declining. Number of
 observations greater this year. Current data are good. Therefore, no adjustments are made.                                                             
                                                                                                                                                        
========================================================================================================================================================
Washington DC, Maryland, Summer 1993 Survey:                                                                                                            
    Lower...........................................         54       $535         63       $514       $538       $526       -1.7          NA       $526
    Middle..........................................         33        763         41        783        744        764       -0.1          NA        764
    Upper...........................................         62        961        105        980      1,777      1,079      -12.3          NA      1,079
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that market is stable, that turnover is high, but that townhouses and houses for rent are scarce (mainly affects   
 upper level). Number of observations is greater this year. Current data are good. Therefore, no adjustments made.                                      
                                                                                                                                                        
========================================================================================================================================================
Washington, DC, Virginia Summer 1993 Survey:                                                                                                            
    Lower...........................................         37       $571         36       $573       $600       $587        2.8          NA       $587
    Middle..........................................        105        752        138        781        744        763        1.5          NA        763
    Upper...........................................        115      1,033        238        979        994        987       -4.5          NA        987
                                                                                                                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Realty professionals indicate that market is stable and that availability is good. Number of observations is greater this year, particularly at  
 upper level. Current data are good. Therefore, no adjustments made.                                                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                     [Location: Honolulu, HI; Date Prepared: 05-Nov-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          804         1148         1507
Maintenance/oil..........................................................          399          413          458
Tires....................................................................          112          144          161
License and registration.................................................           80           94          103
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3176         3596         4353
Finance expense..........................................................          792          870         1076
Insurance................................................................         1716         1629         1936
                                                                          --------------------------------------
      Total annual cost..................................................         7079         7894         9594
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                       [Location: Hilo, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]                       
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          861         1229         1613
Maintenance/oil..........................................................          413          446          433
Tires....................................................................          112          144          162
License and registration.................................................           62           71           77
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3176         3596         4353
Finance expense..........................................................          730          802          992
Insurance................................................................         1624         1547         1808
                                                                          --------------------------------------
      Total annual cost..................................................         6978         7835         9438
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                    [Location: Kailua Kona, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          942         1345         1765
Maintenance/oil..........................................................          367          413          432
Tires....................................................................          112          144          162
License and registration.................................................           62           71           77
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3176         3596         4353
Finance expense..........................................................          751          825         1020
Insurance................................................................         1597         1539         1816
                                                                          --------------------------------------
      Total annual cost..................................................         7007         7933         9625
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                        [Hawaii Composite; Summer 1993 Survey; Date Prepared: 17-Feb-94]                        
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                          Location                              Weights     1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan      4 WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Hilo, HI....................................................        82.25         6978         7835         9438
Kailua Kona, HI.............................................        17.75         7007         7933         9625
                                                             ---------------------------------------------------
      Total Weight..........................................      100.000  ...........  ...........  ...........
Composite cost..............................................  ...........         6983         7852         9471
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                      [Location: Kauai, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]                       
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          862         1232         1616
Maintenance/oil..........................................................          341          363          404
Tires....................................................................          112          144          162
License and registration.................................................           68           79           86
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3176         3596         4353
Finance expense..........................................................          847          931         1151
Insurance................................................................         1424         1367         1642
                                                                          --------------------------------------
      Total annual cost..................................................         6830         7712         9414
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                       [Location: Maui, HI; Date Prepared: 21-Oct-93; Summer 1993 Survey]                       
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          852         1217         1597
Maintenance/oil..........................................................          414          424          456
Tires....................................................................          112          144          162
License and registration.................................................           68           79           86
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3176         3596         4353
Finance expense..........................................................          765          840         1039
Insurance................................................................         1577         1503         1760
                                                                          --------------------------------------
      Total annual cost..................................................         6964         7803         9453
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                         [Location: Guam; Date Prepared: 24-Mar-94; Summer 1993 Survey]                         
----------------------------------------------------------------------------------------------------------------
                                                                                       Annual costs             
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          736         1052         1381
Maintenance/oil..........................................................          330          352          398
Tires....................................................................           92          139          136
License and registration.................................................           28           31           33
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3093         3752         4075
Finance expense..........................................................          852          984         1125
Insurance................................................................         1631         1617         2075
                                                                          --------------------------------------
      Total annual cost..................................................         6762         7927         9223
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                     [Location: Mayaguez, PR; Date Prepared: 24-Mar-94; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                                       Annual costs             
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          564          806         1057
Maintenance/oil..........................................................          249          255          287
Tires....................................................................           87          114          120
License and registration.................................................           88           88           88
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3451         4523         4987
Finance expense..........................................................         1060         1304         1498
Insurance................................................................         1104         1227         1300
                                                                          --------------------------------------
      Total annual cost..................................................         6603         8317         9337
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                     [Location: San Juan, PR; Date Prepared: 24-Mar-94; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                                       Annual costs             
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                Category                                    1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          514          734          964
Maintenance/oil..........................................................          286          322          341
Tires....................................................................           87          114          120
License and registration.................................................           88           88           88
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         3451         4523         4987
Finance expense..........................................................          972         1195         1373
Insurance................................................................         1245         1385         1471
                                                                          --------------------------------------
      Total annual cost..................................................         6643         8361         9344
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                      [Puerto Rico Composite; Summer 1993 Survey; Date Prepared: 24-Mar-94]                     
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                          Location                              Weights     1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
San Juan, PR................................................        84.09         6643         8361         9344
Mayaguez, PR................................................        15.91         6603         8317         9337
                                                             ---------------------------------------------------
      Total weight..........................................       100.00  ...........  ...........  ...........
      Composite cost........................................  ...........         6637         8354         9343
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                      [Location: St Croix VI, Date Prepared: 24-Mar-94; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                 Category                                   1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          584          834         1095
Maintenance/oil..........................................................          260          285          290
Tires....................................................................           87          114          120
License and registration.................................................           35           44           54
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         2997         3749         3934
Finance expense..........................................................          904         1066         1191
Insurance................................................................         2087         2242         3152
                                                                          --------------------------------------
      Total annual cost..................................................         6954         8334         9836
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                     [Location: St Thomas, VI; Date Prepared: 24-Mar-94; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs            
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet 
                                 Category                                   1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan       4WD 2dr  
----------------------------------------------------------------------------------------------------------------
Fuel.....................................................................          664          949         1246
Maintenance/oil..........................................................          329          363          384
Tires....................................................................           87          114          120
License and registration.................................................           35           44           54
Miscellaneous tax........................................................            0            0            0
Depreciation.............................................................         2997         3749         3934
Finance expense..........................................................          867         1023         1142
Insurance................................................................         1571         1427         2834
                                                                          --------------------------------------
      Total annual cost..................................................         6550         7669         9714
----------------------------------------------------------------------------------------------------------------


     Private Transportation Cost Analysis, Virgin Islands Composite     
             [Date Prepared: 24-Mar-94; Summer 1993 Survey]             
------------------------------------------------------------------------
                                               Annual costs             
                                  --------------------------------------
                                   Honda Civic  Ford Taurus   Chevrolet 
      Location          Weights     1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                     DX 4 dr      GL 4 dr     4.3L 6 cyl
                                      sedan        sedan      4wd 2 dr  
------------------------------------------------------------------------
St. Croix, VI.......        45.73         6954         8334         9836
St. Thomas, VI......        54.27         6550         7669         9714
                     ---------------------------------------------------
      Total Weight..       100.00  ...........  ...........  ...........
      Composite Cost  ...........         6735         7973        9770 
------------------------------------------------------------------------


                  Private Transportation Cost Analysis                  
  [Location: Washington, DC, DC; Date Prepared: 21-Oct-93; Summer 1993  
                                 Survey]                                
------------------------------------------------------------------------
                                                Annual costs            
                                  --------------------------------------
                                   Honda Civic  Ford Taurus   Chevrolet 
             Category               1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                     DX 4 dr      GL 4 dr     4.3L 6 cyl
                                      sedan        sedan       4wd 2 dr 
------------------------------------------------------------------------
Fuel.............................          596          851         1117
Maintenance/Oil..................          376          402          432
Tires............................           71           91          102
License & Registration...........           74           74           74
Miscellaneous Tax................            0            0            0
Depreciation.....................         2491         3163         3392
Finance Expense..................          487          575          657
Insurance........................         1048          995         1263
                                  --------------------------------------
      Total Annual Cost..........         5143         6151         7037
------------------------------------------------------------------------


                  Private Transportation Cost Analysis                  
  [Location: Washington, DC, MD; Date Prepared: 22-Oct-93; Summer 1993  
                                 Survey]                                
------------------------------------------------------------------------
                                                Annual costs            
                                  --------------------------------------
                                   Honda Civic  Ford Taurus   Chevrolet 
             Category               1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                     DX 4 dr      GL 4 dr     4.3L 6 cyl
                                      sedan        sedan       4wd 2 dr 
------------------------------------------------------------------------
Fuel.............................          585          835         1096
Maintenance/Oil..................          413          434          439
Tires............................           70           90          101
License & Registration...........           48           48           48
Miscellaneous Tax................            0            0            0
Depreciation.....................         2455         3121         3296
Finance Expense..................          490          579          655
Insurance........................          983          976         1146
                                  --------------------------------------
      Total Annual Cost..........         5044         6083         6781
------------------------------------------------------------------------


                  Private Transportation Cost Analysis                  
  [Location: Washington, DC, VA; Date Prepared: 21-Oct-93; Summer 1993  
                                 Survey]                                
------------------------------------------------------------------------
                                                Annual costs            
                                  --------------------------------------
                                   Honda Civic  Ford Taurus   Chevrolet 
             Category               1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                     DX 4 dr      GL 4 dr     4.3L 6 cyl
                                      sedan        sedan       4wd 2 dr 
------------------------------------------------------------------------
Fuel.............................          586          837         1099
Maintenance/Oil..................          376          382          427
Tires............................           70           90          101
License & Registration...........           71           71           71
Miscellaneous Tax................          284          312          412
Depreciation.....................         2384         3036         3201
Finance Expense..................          445          526          596
Insurance........................          734          710          837
                                  --------------------------------------
      Total Annual Cost..........         4950         5964         6744
------------------------------------------------------------------------


     Private Transportation Cost Analysis, Washington, DC Composite     
             [Date Prepared: 22-Oct-93; Summer 1993 Survey]             
------------------------------------------------------------------------
                                                Annual costs            
                                  --------------------------------------
                                   Honda Civic  Ford Taurus   Chevrolet 
      Location          Weights     1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                     DX 4 dr      GL 4 dr     4.3L 6 cyl
                                      sedan        sedan       4wd 2 dr 
------------------------------------------------------------------------
Washington DC, DC...        33.34         5143         6151         7037
Washington DC, MD...        33.33         5044         6083         6781
Washington DC, VA...        33.33         4950         5964         6744
                     ---------------------------------------------------
      Total Weight..       100.00  ...........  ...........  ...........
      Composite Cost  ...........         5046         6066         6854
------------------------------------------------------------------------


BILLING CODE 6325-01-M

TN26MY94.004


TN26MY94.005


TN26MY94.006


TN26MY94.007


TN26MY94.008


Billing Code 6325-01-C

                         Transportation Analysis                        
 [Location: Honolulu, HI; Date Prepared: 05-Nov-93; Summer 1993 Survey] 
------------------------------------------------------------------------
                                      Total                             
             Vehicle               annual cost   Total cost     Index   
                                                  DC area               
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4                                       
 Cyl.............................         7079         5046       140.29
2. Ford Taurus GL 4 Dr Sedan 3.0L                                       
 6 Cyl...........................         7894         6066       130.14
3. Chevy S10 Blazer 4WD 2 Dr 4.3L                                       
 6 Cyl...........................         9594         6854       139.98
                                  --------------------------------------
      Average Index..............  ...........  ...........       136.80
------------------------------------------------------------------------


                                             Transportation Summary                                             
----------------------------------------------------------------------------------------------------------------
                                          Lower income             Middle income              Upper income      
      Category           Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
Private                                                                                                         
 Transportation......       136.80        94.80       129.69        94.32       129.03        93.55       127.98
Public Transportation        83.02         5.20         4.32         5.68         4.72         6.45         5.35
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       134.01  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       133.75  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       133.33
----------------------------------------------------------------------------------------------------------------


                         Transportation Analysis                        
   [Location: Hawaii County, HI; Date Prepared: 17-Feb-94; Summer 1993  
                                 Survey]                                
------------------------------------------------------------------------
                                      Total                             
             Vehicle               annual cost   Total cost     Index   
                                                  DC area               
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4                                       
 Cyl.............................         6983         5046       138.39
2. Ford Taurus GL 4 Dr Sedan 3.0L                                       
 6 Cyl...........................         7852         6066       129.44
3. Chevy S10 Blazer 4WD 2 Dr 4.3L                                       
 6 Cyl...........................         9471         6854       138.18
                                  --------------------------------------
      Average Index..............  ...........  ...........       135.34
------------------------------------------------------------------------


                                             Transportation Summary                                             
----------------------------------------------------------------------------------------------------------------
                                          Lower income             Middle income              Upper income      
      Category           Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
Private                                                                                                         
 Transportation......       135.34        94.80       128.30        94.32       127.65        93.55       126.61
Public Transportation        87.54         5.20         4.55         5.68         4.97         6.45         5.65
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       132.85  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       132.62  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       132.26
----------------------------------------------------------------------------------------------------------------


                         Transportation Analysis                        
   [Location: Kauai County, HI; Date prepared: 22-Oct-93; Summer 1993   
                                 Survey]                                
------------------------------------------------------------------------
                                      Total      Total cost             
             Vehicle               annual cost    DC area       Index   
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4                                       
 Cyl.............................         6830         5046       135.35
2. Ford Taurus GL 4 Dr Sedan 3.0L                                       
 6 Cyl...........................         7712         6066       127.13
3. Chevy S10 Blazer 4WD 2 Dr 4.3L                                       
 6 Cyl...........................         9414         6854       137.35
                                  --------------------------------------
      Average Index..............  ...........  ...........       133.28
------------------------------------------------------------------------


                                             Transportation Summary                                             
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
       Category          Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
Private                                                                                                         
 Transportation......       133.28        94.80       126.35        94.32       125.71        93.55       124.68
Public Transportation        87.46         5.20         4.55         5.68         4.97         6.45         5.64
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       130.90  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       130.68  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       130.32
----------------------------------------------------------------------------------------------------------------


                         Transportation Analysis                        
    [Location: Maui County, HI; Date prepared: 22-Oct-93; Summer 1993   
                                 Survey]                                
------------------------------------------------------------------------
                                      Total      Total cost             
             Vehicle               annual cost    DC area       Index   
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4                                       
 Cyl.............................         6964         5046       138.01
2. Ford Taurus GL 4 Dr Sedan 3.0L                                       
 6 Cyl...........................         7803         6066       128.64
3. Chevy S10 Blazer 4WD 2 Dr 4.3L                                       
 6 Cyl...........................         9453         6854       137.92
                                  --------------------------------------
      Average Index..............  ...........  ...........       134.86
------------------------------------------------------------------------


                                             Transportation Summary                                             
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
       Category          Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
Private                                                                                                         
 Transportation......       134.86        94.80       127.85        94.32       127.20        93.55       126.16
Public Transportation        88.02         5.20         4.58         5.68         5.00         6.45         5.68
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       132.43  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       132.20  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       131.84
----------------------------------------------------------------------------------------------------------------


                         Transportation Analysis                        
     [Location: Guam; Date prepared: 24-Mar-94; Summer 1993 Survey]     
------------------------------------------------------------------------
                                      Total                             
             Vehicle               annual cost   Total cost     Index   
                                                  DC area               
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4                                       
 Cyl.............................         6762         5046       134.01
2. Ford Taurus GL 4 Dr Sedan 3.0L                                       
 6 Cyl...........................         7927         6066       130.68
3. Chevy S10 Blazer 4WD 2 Dr 4.3L                                       
 6 Cyl...........................         9223         6854       134.56
                                                            ------------
    Average Index................  ...........  ...........      133.08 
------------------------------------------------------------------------


                                             Transportation Summary                                             
----------------------------------------------------------------------------------------------------------------
                                          Lower income             Middle income              Upper income      
      Category           Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights      Subtot   
----------------------------------------------------------------------------------------------------------------
Private                                                                                                         
 Transportation......       133.08        94.80       126.16        94.32       125.52        93.55       124.50
Public Transportation       184.60         5.20         9.60         5.68        10.49         6.45        11.91
                      ------------------------------------------------------------------------------------------
    Total Weights....  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:     ...........  ...........  ...........  ...........  ...........  ...........  ...........
      Lower..........  ...........  ...........       135.76  ...........  ...........  ...........  ...........
      Middle.........  ...........  ...........  ...........  ...........       136.01  ...........  ...........
      Upper..........  ...........  ...........  ...........  ...........  ...........  ...........      136.41 
----------------------------------------------------------------------------------------------------------------


                         Transportation Analysis                        
 [Location: Puerto Rico; Date prepared: 24-Mar-94; Summer 1993 Survey]  
------------------------------------------------------------------------
                                      Total                             
             Vehicle               annual cost   Total cost     Index   
                                                  DC area               
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4                                       
 Cyl.............................         6637         5046       131.53
2. Ford Taurus GL 4 Dr Sedan 3.0L                                       
 6 Cyl...........................         8354         6066       137.72
3. Chevy S10 Blazer 4WD 2 Dr 4.3L                                       
 6 Cyl...........................         9343         6854      136.31 
                                                            ------------
    Average Index................  ...........  ...........      135.19 
------------------------------------------------------------------------


                                             Transportation Summary                                             
----------------------------------------------------------------------------------------------------------------
                                          Lower income             Middle income              Upper income      
      Category           Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights      Subtot   
----------------------------------------------------------------------------------------------------------------
Private                                                                                                         
 Transportation......       135.19        94.80       128.16        94.32       127.51        93.55       126.47
Public Transportation       104.84         5.20         5.45         5.68         5.95         6.45        6.76 
                      ------------------------------------------------------------------------------------------
    Total Weights....  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:                                                                                              
      Lower..........  ...........  ...........       133.61  ...........  ...........  ...........  ...........
      Middle.........  ...........  ...........  ...........  ...........       133.46  ...........  ...........
      Upper..........  ...........  ...........  ...........  ...........  ...........  ...........       133.23
----------------------------------------------------------------------------------------------------------------


                         Transportation Analysis                        
[Location: Virgin Islands; Date prepared: 24-Mar-94; Summer 1993 Survey]
                                                                        
------------------------------------------------------------------------
                                      Total                             
             Vehicle               annual cost   Total cost     Index   
                                                  DC area               
------------------------------------------------------------------------
1. Honda Civic DX 4 Dr Sdn 1.5L 4                                       
 Cyl.............................         6735         5046       133.47
2. Ford Taurus GL 4 Dr Sedan 3.0L                                       
 6 Cyl...........................         7973         6066       131.44
3. Chevy S10 Blazer 4WD 2 Dr 4.3L                                       
 6 Cyl...........................         9770         6854      142.54 
                                  --------------------------------------
      Average Index..............                                135.82 
------------------------------------------------------------------------


                                             Transportation Summary                                             
----------------------------------------------------------------------------------------------------------------
                                          Lower income              Middle income             Upper income      
       Category          Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
Private                                                                                                         
 Transportation......       135.82        94.80       128.76        94.32       128.11        93.55       127.06
Public Transportation       107.96         5.20         5.61         5.68         6.13         6.45         6.96
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........  ...........       100.00
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       134.37  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       134.24  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       134.02
----------------------------------------------------------------------------------------------------------------


           Public Transportation Cost Analysis Summary Program          
             [Summer 1993 Survey; Date prepared: 17-Feb-94]             
------------------------------------------------------------------------
                                    Public                              
           Location             transportation   Total cost     Index   
                                     cost         DC area               
------------------------------------------------------------------------
Honolulu, HI..................            480           578        83.02
Hawaii County, HI.............            506           578        87.54
Kauai County, HI..............            506           578        87.46
Maui County, HI...............            509           578        88.02
Guam..........................           1067           578       184.60
Puerto Rico...................            606           578       104.84
Virgin Islands................            624           578       107.96
------------------------------------------------------------------------


                    Public Transportation Composites                    
             [Summer 1993 Survey; Date prepared: 24-Feb-94]             
------------------------------------------------------------------------
                   Location                       Weights        Cost   
------------------------------------------------------------------------
San Juan, PR..................................        84.09          599
Mayaguez, PR..................................        15.91          646
                                               -------------------------
    Total Weight..............................       100.00  ...........
                                               -------------------------
    Puerto Rico Cost..........................  ...........          606
========================================================================
Hilo, HI......................................        82.25          506
Kailua Kona, HI...............................        17.75          506
                                               -------------------------
    Total Weight..............................       100.00  ...........
                                               -------------------------
    Hawaii County, HI Cost....................  ...........          506
========================================================================
St. Croix, VI.................................        45.73          623
St. Thomas, VI................................        54.27          624
                                               -------------------------
    Total Weight..............................       100.00  ...........
                                               -------------------------
    Virgin Islands Cost.......................  ...........          624
------------------------------------------------------------------------


                                         Miscellaneous Expense Analysis                                         
                     [Location: Honolulu, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
           Category/Item                           Price DC                                                     
                                       Price        area         Ratio       Weights       Subtot       Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........       110.03
Nonprescription pain reliever.....       8.3467       5.2772       1.5817          5.0         7.91  ...........
Tetracycline......................       5.9867       5.3406       1.1210         12.0        13.45  ...........
Vision Check......................      74.8800      48.1667       1.5546          6.0         9.33  ...........
Dental Service....................     114.2233      95.5333       1.1956         17.0        20.33  ...........
Doctor Visit......................      41.5900      48.2222       0.8625         17.0        14.66  ...........
Hospital Room.....................     582.4000     475.3125       1.2253          6.0         7.35  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


----------------------------------------------------------------------------------------------------------------
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
     Categories                           Lower income             Middle income              Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Medical Care......       110.03        43.41        47.76        31.56        34.73        22.40        24.65
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
    Total Weights....  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:                                                                                              
      Lower..........  ...........  ...........       104.35  ...........  ...........  ...........  ...........
      Middle.........  ...........  ...........  ...........  ...........       103.17  ...........  ...........
      Upper..........  ...........  ...........  ...........  ...........  ...........  ...........       102.25
----------------------------------------------------------------------------------------------------------------


                                         Miscellaneous Expense Analysis                                         
                       [Location: Hilo, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]                       
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
          Category/Item                            Price DC                                                     
                                       Price        area         Ratio       Weights      Subtot        Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........       116.92
Nonprescription pain reliever.....       7.6100       5.2772       1.4421          5.0         7.21  ...........
Tetracycline......................       7.3633       5.3406       1.3787         12.0        16.54  ...........
Vision Check......................      61.5667      48.1667       1.2782          6.0         7.67  ...........
Dental Service....................     116.6533      95.5333       1.2211         17.0        20.76  ...........
Doctor Visit......................      39.8600      48.2222       0.8266         17.0        14.05  ...........
Hospital Room.....................    1084.7200     475.3125       2.2821          6.0        13.69  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0         37.0  ...........
----------------------------------------------------------------------------------------------------------------


                                                                                                                
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
      Categories                          Lower income              Middle income             Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
1. Medical Care......       116.92        43.41        50.75        31.56        36.90        22.40        26.19
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       107.34  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       105.34  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       103.79


                                         Miscellaneous Expense Analysis                                         
                    [Location: Kailua Kona, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
           Category/Item                           Price DC                                                     
                                       Price         area        Ratio       Weights       Subtot       Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........       135.28
Nonprescription pain reliever.....       8.2760       5.2772       1.5683          5.0         7.84  ...........
Tetracycline......................       7.3367       5.3406       1.3738         12.0        16.49  ...........
Vision Check......................      68.2000      48.1667       1.4159          6.0         8.50  ...........
Dental Service....................     160.5067      95.5333       1.6801         17.0        28.56  ...........
Doctor Visit......................      67.2533      48.2222       1.3947         17.0        23.71  ...........
Hospital Room.....................    1044.1600     475.3125       2.1968          6.0        13.18  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


----------------------------------------------------------------------------------------------------------------
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
      Categories                          Lower income              Middle income             Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Medical Care......       135.28        43.41        58.73        31.56        42.69        22.40        30.30
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       115.32  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       111.13  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       107.90
----------------------------------------------------------------------------------------------------------------


         Miscellaneous Expense Analysis--Hawaii County Composite        
             [Summer 1993 Survey; Date prepared: 24-Feb-94]             
------------------------------------------------------------------------
                                                  Total indexes         
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper  
                                           income     income     income 
------------------------------------------------------------------------
Hilo, HI....................      82.25     107.34     105.34     103.79
Kailua Kona, HI.............      17.75     115.32     111.13     107.90
                             -------------------------------------------
      Total Weight..........     100.00  .........  .........  .........
      Composite indexes.....  .........     108.76     106.37     104.52
------------------------------------------------------------------------


                                         Miscellaneous Expense Analysis                                         
                   [Location: Kauai County, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
          Category/Item                            Price DC                                                     
                                       Price        area         Ratio       Weights      Subtot        Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........       117.27
Nonprescription pain reliever.....       8.2767       5.2772       1.5684          5.0         7.84  ...........
Tetracycline......................       7.6500       5.3406       1.4324         12.0        17.19  ...........
Vision Check......................      63.7867      48.1667       1.3243          6.0         7.95  ...........
Dental Service....................     119.7467      95.5333       1.2535         17.0        21.31  ...........
Doctor Visit......................      53.3867      48.2222       1.1071         17.0        18.82  ...........
Hospital Room.....................     566.8000     475.3125       1.1925          6.0         7.16  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


----------------------------------------------------------------------------------------------------------------
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
     Categories                           Lower income             Middle income              Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Medical Care......       117.27        43.41        50.91        31.56        37.01        22.40        26.27
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       107.50  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       105.45  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       103.87
----------------------------------------------------------------------------------------------------------------


                                         Miscellaneous Expense Analysis                                         
                    [Location: Maui County, HI; Date prepared: 05-Nov-93; Summer 1993 Survey]                   
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
           Category/Item                           Price DC                                                     
                                       Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................                                                                        127.32
Nonprescription pain reliever.....       8.4167       5.2772       1.5949          5.0         7.97  ...........
Tetracycline......................       6.8467       5.3406       1.2820         12.0        15.38  ...........
Vision Check......................      60.7367      48.1667       1.2610          6.0         7.57  ...........
Dental Service....................     139.7333      95.5333       1.4627         17.0        24.87  ...........
Doctor Visit......................      61.2967      48.2222       1.2711         17.0        21.61  ...........
Hospital Room.....................    1023.3600     475.3125       2.1530          6.0        12.92  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


                                                                                                                
                                                                                                                
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
      Categories                          Lower income              Middle income             Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
----------------------------------------------------------------------------------------------------------------
1. Medical Care......       127.32        43.41        55.27        31.56        40.18        22.40        28.52
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
    Total Weights....  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                      ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                              
      Lower..........  ...........  ...........       111.86  ...........  ...........  ...........  ...........
      Middle.........  ...........  ...........  ...........  ...........       108.62  ...........  ...........
      Upper..........  ...........  ...........  ...........  ...........  ...........  ...........       106.12


                                         Miscellaneous Expense Analysis                                         
                         [Location: Guam; Date prepared: 05-Nov-93; Summer 1993 Survey]                         
----------------------------------------------------------------------------------------------------------------
                                                             Category Index Development                         
                                   -----------------------------------------------------------------------------
          Category/Item                            Price DC                                                     
                                       Price        area         Ratio       Weights     Subtotal       Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........       103.18
Nonprescription pain reliever.....       9.5967       5.2772       1.8185          5.0         9.09  ...........
Tetracycline......................       4.9333       5.3406       0.9237         12.0        11.08  ...........
Vision Check......................      20.0000      48.1667       0.4152          6.0         2.49  ...........
Dental Service....................     157.6667      95.5333       1.6504         17.0        28.06  ...........
Doctor Visit......................      35.6667      48.2222       0.7396         17.0        12.57  ...........
Hospital Room.....................     229.1000     475.3125       0.4820          6.0         2.89  ...........
Health Insurance..................       1.0000       1.0000       1.0000        37.00        37.00  ...........
----------------------------------------------------------------------------------------------------------------


                                                                                                                
                                                        Total Index Development                                 
                      ------------------------------------------------------------------------------------------
     Categories                           Lower income             Middle income              Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
1. Medical Care......       103.18        43.41        44.79        31.56        32.56        22.40        23.11
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:                                                                                              
      Lower..........  ...........  ...........       101.38  ...........  ...........  ...........  ...........
      Middle.........  ...........  ...........  ...........  ...........       101.00  ...........  ...........
      Upper..........  ...........  ...........  ...........  ...........  ...........  ...........  ...........


                                         Miscellaneous Expense Analysis                                         
                     [Location: Mayaguez, PR; Date prepared: 05-Nov-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
          Category/Item                            Price DC                                                     
                                       Price        area         Ratio       Weights      Subtot        Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........        70.41
Nonprescription pain reliever.....       4.7233       5.2772       0.8950          5.0         4.48  ...........
Tetracycline......................       3.6000       5.3406       0.6741         12.0         8.09  ...........
Vision check......................      26.6667      48.1667       0.5536          6.0         3.32  ...........
Dental service....................      45.0000      95.5333       0.4710         17.0         8.01  ...........
Doctor visit......................      20.0000      48.2222       0.4147         17.0         7.05  ...........
Hospital room.....................     194.5000     475.3125       0.4092          6.0         2.46  ...........
Health insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


----------------------------------------------------------------------------------------------------------------
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
      Categories                          Lower income              Middle income             Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Medical Care......        70.41        43.41        30.56        31.56        22.22        22.40        15.77
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins./                                                                                               
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........        87.15                                                    
        Middle.......  ...........  ...........  ...........  ...........        90.66                          
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........        93.37
----------------------------------------------------------------------------------------------------------------


                                         Miscellaneous Expense Analysis                                         
                     [Location: San Juan, PR; Date prepared: 05-Nov-93; Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
           Category/Item                           Price DC                                                     
                                       Price         area        Ratio       Weights       Subtot       Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........        78.09
Nonprescription pain reliever.....       5.7017       5.2772       1.0804          5.0         5.40             
Tetracycline......................       3.2633       5.3406       0.6110         12.0         7.33             
Vision Check......................      31.6667      48.1667       0.6574          6.0         3.94             
Dental Service....................      62.3333      95.5333       0.6525         17.0        11.09             
Doctor Visit......................      30.6667      48.2222       0.6359         17.0        10.81  ...........
Hospital Room.....................     200.0000     475.3125       0.4208          6.0         2.52  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


----------------------------------------------------------------------------------------------------------------
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
      Categories                          Lower income              Middle income             Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot       Weight       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Medical Care......        78.09        43.41        33.90        31.56        24.65        22.40        17.49
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75        60.75
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00             
      Total Indexes:                                                                                            
        Lower........  ...........  ...........        90.49  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........        93.09  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........        95.09
----------------------------------------------------------------------------------------------------------------


          Miscellaneous Expense Analysis--Puerto Rico Composite         
             [Summer 1993 survey; Date prepared: 24-Feb-94]             
------------------------------------------------------------------------
                                             Total indexes              
                             -------------------------------------------
          Location                         Lower      Middle     Upper  
                               Weights     income     income     income 
------------------------------------------------------------------------
San Juan, PR................      84.09      90.49      93.09      95.09
Mayaguez, PR................      15.91      87.15      90.66      93.37
                             -------------------------------------------
      Total weight..........     100.00  .........  .........  .........
      Composite indexes.....  .........      89.96      92.70      94.82
------------------------------------------------------------------------


                                         Miscellaneous Expense Analysis                                         
                     [Location: St. Croix, VI; Date prepared: 28-Feb-94; Summer 1993 Survey]                    
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
           Category/item                           Price DC                                                     
                                       Price         area        Ratio       Weights       Subtot       Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........        94.63
Nonprescription pain reliever.....       6.5780       5.2772       1.2465          5.0         6.23  ...........
Tetracycline......................       5.3300       5.3406       0.9980         12.0        11.98  ...........
Vision Check......................      45.0000      48.1667       0.9343          6.0         5.61  ...........
Dental Service....................      67.5000      95.5333       0.7066         17.0        12.01  ...........
Doctor Visit......................      50.0000      48.2222       1.0369         17.0        17.63  ...........
Hospital Room.....................     330.0000     475.3125       0.6943          6.0         4.17  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


----------------------------------------------------------------------------------------------------------------
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
      Categories                          Lower income              Middle income             Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights       Subtot      Weights       Subtot      Weights       Subtot  
----------------------------------------------------------------------------------------------------------------
1. Medical Care......        94.63        43.41        41.08        31.56        29.87        22.40        21.20
2. Cash Contributions      100.000        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75       60.75 
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........  ...........  ...........  ...........        97.67  ...........
        Middle.......  ...........  ...........  ...........  ...........  ...........        98.31  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........        98.80  ...........
----------------------------------------------------------------------------------------------------------------


                                         Miscellaneous Expense Analysis                                         
                     [Location: St Thomas, VI; Date prepared: 28-Feb-94 Summer 1993 Survey]                     
----------------------------------------------------------------------------------------------------------------
                                                             Category index development                         
                                   -----------------------------------------------------------------------------
          Category/Item                            Price DC                                                     
                                       Price        area         Ratio       Weights      Subtot        Index   
----------------------------------------------------------------------------------------------------------------
Medical Care......................  ...........  ...........  ...........  ...........  ...........       115.96
Nonprescription pain reliever.....       8.2233       5.2772       1.5583          5.0         7.79  ...........
Tetracycline......................      10.9167       5.3406       2.0441         12.0        24.53  ...........
Vision Check......................      46.6667      48.1667       0.9689          6.0         5.81  ...........
Dental Service....................      86.3333      95.5333       0.9037         17.0        15.36  ...........
Doctor Visit......................      56.6667      48.2222       1.1751         17.0        19.98  ...........
Hospital Room.....................     435.0000     475.3125       0.9152          6.0         5.49  ...........
Health Insurance..................       1.0000       1.0000       1.0000         37.0        37.00  ...........
----------------------------------------------------------------------------------------------------------------


----------------------------------------------------------------------------------------------------------------
                                                        Total index development                                 
                      ------------------------------------------------------------------------------------------
     Categories                           Lower income             Middle income              Upper income      
                         Category  -----------------------------------------------------------------------------
                         indexes      Weights      Subtot       Weights      Subtot       Weights      Subtot   
----------------------------------------------------------------------------------------------------------------
1. Medical Care......       115.96        43.41        50.34        31.56        36.60        22.40        25.98
2. Cash Contributions       100.00        12.38        12.38        14.90        14.90        16.85        16.85
3. Personal Ins/                                                                                                
 Pension.............       100.00        44.21        44.21        53.54        53.54        60.75       60.75 
                      ------------------------------------------------------------------------------------------
      Total Weights..  ...........       100.00  ...........       100.00  ...........       100.00  ...........
      Total Indexes:                                                                                            
        Lower........  ...........  ...........       106.93  ...........  ...........  ...........  ...........
        Middle.......  ...........  ...........  ...........  ...........       105.04  ...........  ...........
        Upper........  ...........  ...........  ...........  ...........  ...........  ...........       103.58
----------------------------------------------------------------------------------------------------------------


        Miscellaneous Expense Analysis--Virgin Islands Composite        
             [Summer 1993 Survey; Date prepared: 24-Feb-94]             
------------------------------------------------------------------------
                                             Total indexes              
                             -------------------------------------------
          Location                         Lower      Middle     Upper  
                               Weights     income     income     income 
------------------------------------------------------------------------
St. Croix, VI...............      45.73      97.67      98.31      98.80
St. Thomas, VI..............      54.27     106.93     105.04     103.58
                             -------------------------------------------
      Total weight..........     100.00  .........  .........  .........
      Composite indexes.....  .........     102.70     101.96     101.39
------------------------------------------------------------------------


Appendix 13.--Federal Employment Weights Within a Single Allowance Area;
                          Multiple Survey Areas                         
             [Summer 1993 Survey; Date prepared: 24-Feb-94]             
------------------------------------------------------------------------
     Location         1990       1992       1993     Average    Weights 
------------------------------------------------------------------------
Hawaii County:                                                          
    Hilo, HI.....        231        243        250        241      82.25
    Kailua Kona,                                                        
     HI..........         58         47         52         52      17.75
                  ------------------------------------------------------
      Total......  .........  .........  .........        293     100.00
------------------------------------------------------------------------
Puerto Rico:                                                            
    San Juan, PR.       2932       5074       5135       4380      84.09
    Mayaguez, PR.       1257        625        606        829      15.91
                  ------------------------------------------------------
      Total......  .........  .........  .........       5209     100.00
------------------------------------------------------------------------
Virgin Islands:                                                         
    St. Croix, VI        209        148        142        166      45.73
    St. Thomas,                                                         
     VI..........        221        180        190        197      54.27
                  ------------------------------------------------------
      Total......  .........  .........  .........        363     100.00
------------------------------------------------------------------------


                Federal Employment Weights Within a Single Allowance Area; Multiple Income Levels               
                                 [Summer 1993 Survey; Date prepared: 24-Feb-94]                                 
----------------------------------------------------------------------------------------------------------------
           Location                    Income level           1990       1992       1993     Average    Weights 
----------------------------------------------------------------------------------------------------------------
Honolulu, HI..................  Low......................       5307       4789       4346       4814      35.59
                                Middle...................       4496       4567       4540       4534      33.52
                                Upper....................       3946       4248       4344       4179      30.89
                               ---------------------------------------------------------------------------------
      Total...................  .........................  .........  .........  .........      13527     100.00
----------------------------------------------------------------------------------------------------------------
Hawaii County, HI.............  Low......................        102        129        122        118      36.09
                                Middle...................        114        133        145        131      40.06
                                Upper....................         73         77         85         78      23.85
                               ---------------------------------------------------------------------------------
      Total...................  .........................  .........  .........  .........        327     100.00
----------------------------------------------------------------------------------------------------------------
Kauai County, HI..............  Low......................         51         53         71         58      25.66
                                Middle...................         97         94         94         95      42.04
                                Upper....................         70         71         78         73      32.30
                               ---------------------------------------------------------------------------------
      Total...................  .........................  .........  .........  .........        226     100.00
----------------------------------------------------------------------------------------------------------------
Maui County, HI...............  Low......................         26         29         37         31      23.13
                                Middle...................         52         61         56         56      41.80
                                Upper....................         46         44         51         47      35.07
                               ---------------------------------------------------------------------------------
      Total...................  .........................  .........  .........  .........        134     100.00
----------------------------------------------------------------------------------------------------------------
Guam..........................  Low......................        949       1010       1061       1007      49.39
                                Middle...................        593        650        696        646      31.68
                                Upper....................        334        387        437        386      18.93
                               ---------------------------------------------------------------------------------
      Total...................  .........................  .........  .........  .........       2039     100.00
----------------------------------------------------------------------------------------------------------------
Puerto Rico...................  Low......................       1763       2535       2330       2209      42.32
                                Middle...................       1592       2133       2287       2004      38.39
                                Upper....................        834       1047       1140       1007      19.29
                               ---------------------------------------------------------------------------------
      Total...................  .........................  .........  .........  .........       5220     100.00
----------------------------------------------------------------------------------------------------------------
Virgin Islands................  Low......................        214        125        128        156      42.86
                                Middle...................        153        139        133        142      39.01
                                Upper....................         63         64         71         66      18.13
                               ---------------------------------------------------------------------------------
      Total...................  .........................  .........  .........  .........        364     100.00
----------------------------------------------------------------------------------------------------------------


                                                       Appendix 14.--Component Expenditure Amounts                                                      
                                                               [Date prepared: 24-Mar 93]                                                               
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                             Indexes                                           Amounts                  
                                                     ---------------------------------------------------------------------------------------------------
                                                       Incomes    CG&S     Own      Rent     Trn      Misc     CG&S     Own      Rent     Trn      Misc 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Reference Wts/Amts..................................    18,000    39.59    24.35    24.35    20.76    15.30    7,126    4,383    4,383    3,737    2,754
                                                        28,400    39.15    23.48    23.48    20.33    17.04   11,119    6,668    6,668    5,774    4,839
                                                        45,200    38.74    22.66    22.66    19.94    18.66   17,510   10,242   10,242    9,013    8,434
Location:                                                                                                                                               
    Honolulu, HI\1\.................................     Lower   117.27   157.72   134.06   134.01   104.35    8,357    6,913    5,876    5,008    2,874
                                                        Middle   116.17   200.60   121.49   133.75   103.17   12,917   13,376    8,101    7,723    4,992
                                                         Upper   115.13   141.61    99.34   133.33   102.25   20,159   14,504   10,174   12,017    8,624
    Hawaii County, HI...............................     Lower   108.66   111.98    96.64   132.85   108.76    7,743    4,908    4,236    4,965    2,995
                                                        Middle   107.58   118.65    94.54   132.62   106.37   11,962    7,912    6,304    7,657    5,147
                                                         Upper   106.56    85.19    74.22   132.26   104.52   18,659    8,725    7,602   1,1921    8,815
    Kauai County, HI................................     Lower   117.82   138.11   151.16   130.90   107.50    8,396    6,053    6,625    4,892    2,961
                                                        Middle   116.36   140.69   131.99   130.68   105.45   12,938    9,381    8,801    7,545    5,103
                                                         Upper   114.99   105.99   117.36   130.32   103.87   20,135   10,855   12,020   11,746    8,760
    Maui County, HI.................................     Lower   121.02   141.94   109.43   132.43   111.86    8,624    6,221    4,796    4,949    3,081
                                                        Middle   119.70   158.11   103.82   132.20   108.62   13,309   10,543    6,923    7,633    5,256
                                                         Upper   118.46   117.20    88.44   131.84   106.12   20,742   12,004    9,058   11,883    8,950
    Guam............................................     Lower   116.61   145.11   135.24   135.76   101.38    8,310    6,360    5,928    5,073    2,792
                                                        Middle   116.49   147.14   133.58   136.01   101.00   12,953    9,811    8,907    7,853    4,887
                                                         Upper   116.36   120.19   136.21   136.41   100.71   20,375   12,310   13,951   12,295    8,494
    Puerto Rico.....................................     Lower    98.69    58.18   109.62   133.61    89.96    7,033    2,550    4,805    4,993    2,477
                                                        Middle    98.63    63.56   121.00   133.46    92.70   10,967    4,238    8,068    7,706    4,486
                                                         Upper    98.54    63.65   131.27   133.23    94.82   17,254    6,519   13,445   12,008    7,997
    Virgin Islands..................................     Lower   107.99   138.34   128.47   134.37   102.70    7,695    6,063    5,631    5,021    2,828
                                                        Middle   107.70   158.64   132.50   134.24   101.96   11,975   10,578    8,835    7,751    4,934
                                                         Upper   107.41   115.20   111.82   134.02   101.39   18,807   11,799   11,453   12,079    8,551
--------------------------------------------------------------------------------------------------------------------------------------------------------
\1\City and county.                                                                                                                                     


                                              Component Expenditure Amounts (Incorporating Military Prices)                                             
                                                              [Date prepared: 24, Mar. 93]                                                              
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                      Indexes                                                Amounts                    
                                           -------------------------------------------------------------------------------------------------------------
                                             Incomes    CG&S       Own      Rent       TRN      Misc.     CG&S       Own      Rent       TRN      Misc. 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Reference Wts/Amts........................    18,000     39.59     24.35     24.35     20.76     15.30     7,126     4,383     4,383     3,737     2,754
                                              28,400     39.15     23.48     23.48     20.33     17.04    11,119     6,668     6,668     5,774     4,839
                                              45,200     38.74     22.66     22.66     19.94     18.66    17,510    10,242    10,242     9,013     8,434
Location:                                                                                                                                               
    Honolulu, HI (City and County) (Mil)..     Lower    110.27    157.72    134.06    134.01    104.35     7,858     6,913     5,876     5,008     2,874
                                              Middle    109.37    200.60    121.49    133.75    103.17    12,161    13,376     8,101     7,723     4,992
                                               Upper    108.54    141.61     99.34    133.33    102.25    19,005    14,504    10,174    12,017     8,624
    Guam (Mil)............................     Lower    110.87    145.11    135.24    135.76    101.38     7,901     6,360     5,928     5,073     2,792
                                              Middle    112.87    147.14    133.58    136.01    101.00    12,550     9,811     8,907     7,853     4,887
                                               Upper    114.78    120.19    136.21    136.41    100.71    20,098    12,310    13,951    12,295     8,494
    Puerto Rico (Mil).....................     Lower     96.18     58.18    109.62    133.61     89.96     6,854     2,550     4,805     4,993     2,477
                                              Middle     96.49     63.56    121.00    133.46     92.70    10,729     4,238     8,068     7,706     4,486
                                               Upper     96.76     63.65    131.27    133.23     94.82    16,943     6,519    13,445    12,008     7,997
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                         Total Comparative Cost Indexes                                         
                                           [Date Prepared: 24-Mar-94]                                           
----------------------------------------------------------------------------------------------------------------
                                       Income                                                                   
         Location and Inc              wghts         Own          Rent        Total         WDC         Index   
----------------------------------------------------------------------------------------------------------------
Lower.............................        18000        37.10        62.90  ...........  ...........  ...........
Middle............................        28400        46.91        53.09  ...........  ...........  ...........
Upper.............................        45200        62.86        37.14  ...........  ...........  ...........
Honolulu, HI (City and County):                                                                                 
    Lower.........................        35.59        23152        22115        22500        18000  ...........
    Middle........................        33.52        39008        33733        36208        28400  ...........
    Upper.........................        30.89        55304        50974        53696        45200  ...........
                                   -----------------------------------------------------------------------------
                                         100.00  ...........  ...........        36731        29888       122.90
                                   -----------------------------------------------------------------------------
Hawaii County, HI:                                                                                              
    Lower.........................        36.09        20611        19939        20188        18000  ...........
    Middle........................        40.06        32678        31070        31824        28400  ...........
    Upper.........................        23.85        48120        46997        47703        45200  ...........
                                   -----------------------------------------------------------------------------
                                         100.00  ...........  ...........        31412        28653       109.63
----------------------------------------------------------------------------------------------------------------
Kauai County, HI:                                                                                               
    Lower.........................        25.66        22302        22874        22662        18000  ...........
    Middle........................        42.04        34967        34387        34659        28400  ...........
    Upper.........................        32.20        51496        52661        51929        45200  ...........
                                   -----------------------------------------------------------------------------
                                          99.90  ...........  ...........        37107        31113       119.27
----------------------------------------------------------------------------------------------------------------
Maui County, HI:                                                                                                
    Lower.........................        23.13        22875        21450        21979        18000  ...........
    Middle........................        41.80        36741        33121        34819        28400  ...........
    Upper.........................        35.07        53579        50633        52485        45200  ...........
                                   -----------------------------------------------------------------------------
                                         100.00  ...........  ...........        38045        31886       119.32
----------------------------------------------------------------------------------------------------------------
Guam:                                                                                                           
    Lower.........................        49.39        22535        22103        22263        18000  ...........
    Middle........................        31.68        35504        34600        35024        28400  ...........
    Upper.........................        18.93        53474        55115        54083        45200  ...........
                                   -----------------------------------------------------------------------------
                                         100.00  ...........  ...........        32329        26444       122.25
----------------------------------------------------------------------------------------------------------------
Puerto Rico:                                                                                                    
    Lower.........................        42.32        17053        19308        18471        18000  ...........
    Middle........................        38.39        27397        31227        29430        28400  ...........
    Upper.........................        19.29        43778        50704        46350        45200  ...........
                                   -----------------------------------------------------------------------------
                                         100.00  ...........  ...........        28056        27239       103.00
----------------------------------------------------------------------------------------------------------------
Virgin Islands:                                                                                                 
    Lower.........................        42.86        21607        21175        21335        18000  ...........
    Middle........................        39.01        35238        33495        34313        28400  ...........
    Upper.........................        18.13        51236        50890        51107        45200  ...........
                                   -----------------------------------------------------------------------------
                                         100.00  ...........  ...........        31795        26988       117.81
----------------------------------------------------------------------------------------------------------------


                         Total Comparative Cost Indexes (Incorporating Military Prices)                         
                                           [Date Prepared: 24-Mar-94]                                           
----------------------------------------------------------------------------------------------------------------
                                       Income                                                                   
         Location and Inc              wghts         Own         Rent         Total         WDC         Index   
----------------------------------------------------------------------------------------------------------------
Lower.............................        18000        37.10        62.90  ...........  ...........  ...........
Middle............................        28400        46.91        53.09  ...........  ...........  ...........
Upper.............................        45200        62.86        37.14  ...........  ...........  ...........
Honolulu, HI (City and County)                                                                                  
 (MIL):                                                                                                         
    Lower.........................        35.59        22653        21616        22001        18000  ...........
    Middle........................        33.52        38252        32977        35452       284000  ...........
    Upper.........................        30.89        54150        49820        52542       452000  ...........
                                   -----------------------------------------------------------------------------
                                            100  ...........  ...........        35944        29888       120.26
                                   -----------------------------------------------------------------------------
Guam (MIL):                                                                                                     
    Lower.........................        49.39        22126        21694        21854        18000  ...........
    Middle........................        31.68        35101        34197        34621        28400  ...........
    Upper.........................        18.93        53197        54838        53806        45200  ...........
                                   -----------------------------------------------------------------------------
                                         100.00  ...........        31947        26444       120.81             
                                   -----------------------------------------------------------------------------
Puerto Rico (MIL):                                                                                              
    Lower.........................        42.32        16874        19129        18292        18000  ...........
    Middle........................        38.39        27159        30989        29192        28400  ...........
    Upper.........................        19.29        43467        50393        46039        45200             
                                   -----------------------------------------------------------------------------
                                         100.00  ...........  ...........        27829        27239       102.17
----------------------------------------------------------------------------------------------------------------

[FR Doc. 94-12463 Filed 5-25-94; 8:45 am]
BILLING CODE 6325-01-M