[Federal Register Volume 60, Number 229 (Wednesday, November 29, 1995)]
[Notices]
[Pages 61332-61417]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 95-28905]




[[Page 61331]]

_______________________________________________________________________

Part III





Office of Personnel Management





_______________________________________________________________________



Report on Summer 1994 Surveys Used To Determine Cost-of-Living 
Allowances in Selected Nonforeign Areas; Notice

  Federal Register / Vol. 60, No. 229 / Wednesday, November 29, 1995 / 
Notices   

[[Page 61332]]


OFFICE OF PERSONNEL MANAGEMENT


Report on Summer 1994 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, August 25, 1995,'' prepared by Jack Faucett Associates under 
Government contract OPM-94-BP-3816.

DATES: Comments must be received on or before January 29, 1996.

ADDRESSES: Send or deliver comments to Allan G. Hearne, Salary Systems 
Division, Office of Compensation Policy, Human Resources Systems 
Service, Office of Personnel Management, Room 6H31, 1900 E Street NW., 
Washington, DC 20415, or FAX to (202) 606-4264.

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

SUPPLEMENTARY INFORMATION: Sections 591.205(d) and 591.206(c) of title 
5, Code of Federal Regulations, require that nonforeign area cost-of-
living allowance (COLA) survey summaries and calculations 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 in the Washington, DC, Area, August 25, 1995,'' produced 
by Jack Faucett Associates under contract with OPM. This report 
explains in detail the methodologies, calculations, and findings of the 
summer 1994 living-cost surveys.
    Survey Results. Jack Faucett Associates computed index values of 
relative living costs in the allowance areas using an index scale where 
the living costs in the Washington, DC, area equal 100. (See the 
Executive Summary of the report.) OPM notes that the summer survey 
indices showed that the COLA rates for all of the allowance areas are 
above levels warranted by the indices. However, the Treasury, Postal 
Service and General Government Appropriations Act, 1992 (Pub. L. 102-
141), as amended, prohibits reductions in COLA rates through December 
31, 1996. Therefore, OPM is not proposing any adjustments in the COLA 
rates in these allowance areas at this time.

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

August 1995.

Table of Contents

Executive Summary
1. Introduction
    1.1  Report Objectives
    1.2  Changes in This Year's Survey
    1.2.1  Three-Year CES Moving Average
    1.2.2  New Living Communities
    1.2.3  Historical Housing Data
    1.3  Pricing Period
2. The COLA Model
    2.1  Measurement of Living-Cost Differences
    2.2  Step 1: Identifying the Target Population
    2.2.1  Federal Salaries
    2.2.2  Federal Employment Weights
    2.3  Step 2: Estimating How People Spend Their Money
    2.3.1  Consumer Expenditure Survey (CES)
    2.3.2  Expenditure Categories and Components
    2.4  Step 3: Selecting Items and Outlets
    2.4.1  Item Selections--The Marketbasket
    2.4.2  Geographic Coverage and Outlet Selection
    2.4.2.1  Geographic Areas
    2.4.2.2  Similarity of Outlets
    2.4.2.3  Catalog Pricing
    2.5  Step 4: Surveying Prices
    2.5.1  In-House Research Staff
    2.5.2  Field Researchers ``Research Associates''
    2.5.3  Data Collection Materials
    2.5.4  Inclusion of Sales and Excise Taxes
    2.5.5  JFA's Onsite Visits
    2.5.6  Special Considerations in Selected Areas
    2.5.6.1  Pricing Surveys in Hawaii County, Puerto Rico, and the 
Virgin Islands
    2.5.6.2  Surveying the Washington, D.C., Area
    2.6  Step 5: Analyzing Data and Computing Indexes
    2.6.1  General Formulae
    2.6.1.1  Indexes
    2.6.1.2  Item Weights
    2.6.1.3  Category and Component Weights
    2.6.2  Computing the Overall Index
3. Consumption Goods and Services
    3.1  Categories and Category Weights
    3.2  Goods and Services Data Collection--Special Considerations
    3.2.1  Exchange and Commissary Expenditure Research
    3.2.2  Restaurant Pricing
    3.3  Goods and Services Survey Results
4. Housing
    4.1  Component Overview
    4.2  Housing Model
    4.2.1  Expenditure Research
    4.2.2  Housing Profiles
    4.2.3  Living Community Selection
    4.2.4  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  Home 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
    4.4.2  Rental Data Analysis
    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
    5.2.10  Overall Annual Costs
    5.3  Other Transportation Costs--Air Fares
    5.4  Transportation Component Analyses
6. Miscellaneous Expenses
    6.1  Component Overview
    6.2  Component Weights
    6.3  Component Categories
    6.3.1  Medical Expense Category
    6.3.2  Contributions Category
    6.3.3  Personal Insurance and Retirement Category
    6.4  Miscellaneous Expense Analyses
7. Final Results
    7.1  Total Comparative Cost Indexes

List of Appendices

Appendix 1: Publication in the Federal Register of Results of 
Nonforeign Area Living-Cost Surveys: 1990-1994
Appendix 2: Federal Employment Weights
Appendix 3: Consumer Expenditure Surveys (CES) Item Weights
Appendix 4: CES Category and Component Weights
Appendix 5: Item Descriptions
Appendix 6: Pricing Changes
Appendix 7: OMB-Approved Survey Materials
Appendix 8: Consumption Goods and Services Analysis
Appendix 9: OPM Living Community List
Appendix 10: Historical Home Market Values and Interest Rates
Appendix 11: Historical Housing Data
Appendix 12: Rental Data Analyses
Appendix 13: Housing Cost Analysis
Appendix 14: Housing Analysis
Appendix 15: Private Transportation Cost Analysis 

[[Page 61333]]

Appendix 16: Auto Insurance Calculation Worksheet
Appendix 17: Air Fares and Other Transportation Expenses Cost 
Analysis
Appendix 18: Transportation Analysis
Appendix 19: Miscellaneous Expense Analysis
Appendix 20: Final Indexes

Executive Summary

    This report provides the results of the summer 1994 living-cost 
surveys and compares living costs in certain Pacific and Caribbean 
nonforeign cost-of-living allowance (COLA) areas relative to the 
Washington, DC, area.
    The surveys and analyses were conducted by Jack Faucett Associates 
(JFA), an economics consulting firm located in Bethesda, Maryland, and 
its subcontractor, Runzheimer International, a Wisconsin-based firm 
specializing in the collection and analysis of cost-of-living 
information. The study was conducted for the Office of Personnel 
Management (OPM) under contract OPM-94-BP-3816. The contract requires 
JFA to:
    (1) Survey living costs in seven allowance areas and in the 
Washington, DC, area, and
    (2) Compare living costs between the allowance areas and the DC 
area.
    For this study, JFA and Runzheimer researched more than 3,000 
outlets and gathered more than 12,000 prices on more than 200 items 
representing typical consumer purchases. These prices were then 
combined using consumer expenditure information developed by the Bureau 
of Labor Statistics. The final results of the study are a series of 
living-cost indexes, shown in the table below, which show the living-
costs in each of the allowance areas relative to the Washington, D.C., 
area. The index for the DC area (not shown) is 100.00 because it is, by 
definition, the reference area.

                Table E-1.--Final Cost Comparison Indexes               
------------------------------------------------------------------------
                        Allowance area                           Index  
------------------------------------------------------------------------
City and County of Honolulu, Hawaii..........................     119.56
Hawaii County, Hawaii........................................     112.56
Kauai County, Hawaii.........................................     116.35
Maui County, Hawaii..........................................     118.84
Guam/CNMI, Local Retail......................................     119.39
Guam/CNMI, Commissary/Exchange...............................     113.40
Puerto Rico..................................................      99.63
U.S. Virgin Islands..........................................    112.08 
------------------------------------------------------------------------
CNMI = Commonwealth of the Northern Mariana Islands                     

    OPM implemented a number of improvements for the summer 1994 
survey. These included:

--Using a moving average to introduce new weights based on the results 
of the Bureau of Labor Statistics Consumer Expenditure Surveys;
--Using new representative income levels based on the 1994 distribution 
of salaries of Federal employees in the allowance areas;
--Selecting new living communities based on the results of the 1992 
Federal Employee Housing and Living Patterns Survey;
--Incorporating historical housing data to reflect both newly purchased 
and previously purchased homes;
--Using the median home value in place of trimming and trend analyses 
used in previous surveys; and
--Using the Goods and Services index to reflect relative expenditures 
for cash contributions.

    These changes as well as the data collection and analysis 
procedures already employed in the survey are discussed in the various 
sections of this report.

1. Introduction

1.1  Report Objectives
    This comprehensive report culminates data collection and research 
work undertaken in summer 1994 as required by Tasks 1 and 2 of contract 
OPM-94-BP-3816 between the Office of Personnel Management (OPM) and 
Jack Faucett Associates (JFA). This report only provides the results of 
the summer 1994 surveys. A listing of earlier reports that provided the 
results of previous surveys is shown in Appendix 1.
    The analyses show the comparative living-cost differences between 
the Washington, DC, area and the following allowance areas:

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

    By law, Washington, DC, is the base or ``reference'' area for the 
nonforeign area cost-of-living allowance (COLA) program.
    The contract also required JFA to analyze living-costs of Federal 
civilian employees in Guam who have access to military commissaries and 
exchanges. Under OPM regulations, employees who have unlimited access 
to commissaries and exchanges because of their Federal civilian 
employment are paid a COLA rate that takes into consideration such 
purchasing privileges. These regulations do not apply to Federal 
employees who have limited access to commissaries and exchanges or who 
have access for other reasons, e.g., military dependents or retired 
military personnel.
1.2  Changes in This Year's Survey
    One of the obvious changes this year was OPM's selection of a new 
contractor for living-cost surveys and analyses: JFA. JFA subcontracted 
a substantial portion of the work to Runzheimer International, OPM's 
previous contractor for the COLA program.
    OPM directed JFA to make several changes to the survey and 
analyses. Some of the key changes this year included:

--Using a moving average to introduce new weights based on the results 
of the Bureau of Labor Statistics Consumer Expenditure Surveys (CES);
--Using new representative incomes based on the 1994 distribution of 
salaries of Federal employees in the allowance areas;
--Selecting new living communities based on the results of the 1992 
Federal Employee Housing and Living Patterns Survey;
--Incorporating historical housing data to reflect both newly purchased 
and previously purchased units;
--Using the median home value in place of trimming and trend analyses 
used in previous surveys; and
--Using the Goods and Services index to reflect relative expenditures 
for cash contributions.

    Three of these changes are discussed further below. The other 
changes are discussed where applicable in the report.
1.2.1  Three-Year CES Moving Average
    One change was the introduction of a three-year moving average of 
CES data in calculating the weights used to combine price indexes. In 
prior years, expenditure weights were based on the 1988 CES, and OPM 
wanted to use more current CES information.
    Rather than simply replacing the 1988 CES data with the most recent 
(1992) CES data, OPM implemented a system that would allow the gradual 
introduction of new CES data over time, thereby reducing the impact 
that short-term changes in CES might have on the living-cost indexes. 
In future surveys, OPM plans to include current CES information and 
drop the oldest CES data to maintain a three-year moving average. 
Appendices 3 and 4 show the CES data used in this study.
1.2.2  New Living Communities
    Another change was the selection of new living communities based on 
the results of the 1992 Federal Employee Housing and Living Patterns 
Survey. In 

[[Page 61334]]
that survey, employees were asked to provide their residential zip 
codes. OPM used this information to refine community selection.
    Two types of changes were made. In areas with relatively large 
concentrations of Federal employees and sufficient housing data, OPM 
selected communities to reflect the areas where Federal employees 
typically lived. On Oahu, for example, these changes generally resulted 
in the selection of communities within or close to Honolulu proper. In 
other areas where concentrations of Federal employees were not as 
evident or where obtaining a sufficient quantity of housing data had 
been difficult in previous surveys, OPM expanded the survey community 
to cover a larger area. For example, the entire island was surveyed for 
housing in Guam, Kauai, Maui, St. Croix, and St. Thomas.
    The updated list of communities is provided in Appendix 9. These 
are the communities in which house sales and rental rates were 
collected. The communities were also used to determine the normal 
shopping radius and the outlets at which prices were collected.
1.2.3  Historical Housing Data
    A third change was the incorporation of historical housing data to 
reflect not only the prices paid for recent home purchases but also for 
homes purchased in prior years. Appendix 10 shows the home market 
values, interest rates, and annual principal and interest payments for 
each area by year and income level. Appendix 11 shows how the principal 
and interest payments were combined using weights based on the percent 
of Federal employees presumed to have purchased their homes in each 
given year. The weights were derived from the results of the 1992 
Federal Employee Housing and Living Patterns Survey.
1.3  Pricing Period
    The prices were collected in the allowance areas and in the 
Washington, D.C., area in August 1994. As with the previous surveys, 
the prices of some items--those dependent upon the pricing of other 
items--were collected slightly later (i.e., in September and October 
1994) In addition, individual item prices not meeting OPM's quality 
control procedures were resurveyed in October and used to verify or 
replace the original prices.
    As was done in previous surveys, JFA included some catalog sales in 
its survey. Only catalogs that sell merchandise in both the allowance 
areas and the Washington, D.C. area were used. To ensure consistent 
seasonal catalog pricing, JFA used spring/summer catalogs for the 
catalog items surveyed.

2. The COLA Model

2.1  Measurement of Living-Cost Differences
    A common and 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). The COLA 
model applies this methodology to compare the living costs in each of 
the allowance areas with the living costs in the Washington, DC, area.
    Moving from this basic concept to computing comparative living 
costs between each allowance area and the Washington, DC, area involves 
five main steps:
    Step 1: Identify the segment of the population for which the 
analysis is targeted (i.e., the target population).
    Step 2: Estimate how these people spend their money.
    Step 3: Select items to represent the types of expenditures people 
usually make and outlets at which people typically make purchases.
    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.
2.2  Step 1: Identifying the Target Population
    The study estimates living-cost differences for nonmilitary Federal 
employees who have annual base salaries between approximately $12,000 
and $87,000, the range of the General Schedule. Because living costs 
may vary depending on an employee's income level, living costs are 
analyzed at three income levels.
2.2.1  Federal Salaries
    To determine the appropriate income levels, OPM analyzed the 1994 
distribution of salaries for all General Schedule employees in all of 
the allowance areas combined. OPM divided this distribution into three 
groups of equal size and identified the median salary in each of the 
groups. These values were then rounded to the nearest $100 to produce 
the three representative income levels of $20,800, $31,500, and 
$48,300.
    The study analyzes living costs at each of these three income 
levels. The results are three sets of estimated expenditures for each 
allowance area and for the Washington, D.C., area. To combine these 
estimated expenditures into a single overall index for the area, JFA 
used employment weights provided by OPM.
2.2.2  Federal Employment Weights
    As with the income levels, the OPM employment weights were derived 
from the distribution of General Schedule employees by salary level. 
Using the salary parameters identified in the income analysis described 
above, OPM determined the number of General Schedule employees in each 
salary group in each allowance area. Using a moving average similar to 
that used with the CES data (see section 1.2.1), OPM combined these 
data with the same type of information for the previous two years and 
calculated the percent of the General Schedule workforce in each income 
group in each area. These percentages were the weights that JFA used.
    In addition, OPM provided General Schedule employment weights to 
combine data in the three allowance areas in which two separate 
locations are surveyed. Those allowance areas are: Hawaii County, 
Hawaii; Puerto Rico; and the U.S. Virgin Islands. These areas are 
described in greater detail in section 2.5.6.1.
    For these areas, OPM identified the number of General Schedule 
employees associated with each survey location and then combined this 
information with similar information from the previous two years again 
using a moving average. The employment counts were converted to 
percentages representing the proportion of the General Schedule 
population represented by each of the survey locations. JFA used the 
percentages as weights to combine the survey data from each survey 
area.
    Appendix 2 shows the General Schedule employment distributions and 
how the percentage weights were derived.
2.3  Step 2: Estimating How People Spend Their Money
2.3.1  Consumer Expenditure Survey (CES)
    Expenditure patterns for employees for all areas, including the 
Washington, D.C., area, are based on national data from the CES. OPM 
obtained from the Bureau of Labor Statistics ``prepublished'' CES 
results for 1988, 1991, and 1992. As discussed in section 1.2.1, these 
three years of CES data were combined using a moving average.
    CES data are used in two ways: to identify appropriate items for 
survey 

[[Page 61335]]
and to derive item, category, and component weights. The item weights 
are not income sensitive. However, aggregated CES data are analyzed by 
income level to derive category and component weights. These weights 
are income sensitive. The CES data used in this study are shown in 
Appendix 3 and 4.
    The Bureau of Labor Statistics has advised OPM that 
``prepublished'' CES data may not be statistically significant. To 
OPM's knowledge, however, it is the only source of comprehensive 
consumer expenditure information by income level. Therefore, it is used 
in the model.
2.3.2  Expenditure Categories and Components
    The CES groups 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).
    Using the CES data, the items were sorted into the four main cost 
components specified in OPM regulations: Consumption Goods and 
Services, Transportation, Housing, and Miscellaneous Expenses. To 
develop weighting patterns for the three income levels, JFA performed 
linear regression analyses on the CES data shown in Appendix 3.\1\ 
These analyses produced estimated expenditures at the three income 
levels identified in section 2.2.1 above. JFA converted these 
expenditures to percentages of total expenditures for the four 
components to produce the values shown in the table below. The values 
were the weights JFA used to combine the expenditures for each of the 
components into an overall value for each income level in each 
allowance area and the Washington, D.C., area.

                   Table 2-1.--Component Expenses Expressed as a Percentage of Total Expenses                   
----------------------------------------------------------------------------------------------------------------
                                       Income     Goods and                   Trans-                            
         Income level 1994           level 1991    services     Housing     portation      Misc.        Total   
                                      adjusted    (percent)    (percent)    (percent)    (percent)    (percent) 
----------------------------------------------------------------------------------------------------------------
$20,800...........................      $19,250        40.10        25.01        18.93        15.96       100.00
31,500............................       29,150        39.47        23.98        18.66        17.88       100.00
48,300............................       44,700        38.87        23.01        18.41        19.71      100.00 
----------------------------------------------------------------------------------------------------------------
(Values may not total because of rounding.)                                                                     

    Goods and services items were further sorted into ten categories 
and linear regression techniques were used to estimate expenditures on 
these ten categories by income level. The weights for these categories 
are shown in section 3.1. The same technique was also used to compute 
category weights for the Transportation and Miscellaneous Components 
and to produce ratios of renters to homeowners at each income level.
2.4  Step 3: Selecting Items and Outlets
2.4.1  Item Selections--The Marketbasket
    As noted above, CES items were grouped into ``clusters'' of 
expenses to determine which items to survey. These clusters were chosen 
so that no marketbasket item would have overwhelmingly large or 
insignificantly small item weight.
    For each of these clusters, a set of items to price was identified. 
Collectively, these items are called a ``marketbasket.'' Because it 
would have been impractical to survey all of the thousands of items 
consumers might buy, the marketbasket contains representative items, 
such as cheddar cheese, that represent itself and the many other 
related items that consumers purchase (e.g., Edam, Gouda, Jack, Swiss, 
et cetera). JFA's marketbasket had more than 200 items ranging from 
table salt to new cars to home purchases.
    The items selected were representative of other similar items, 
commonly purchased, and readily available in all areas. For example, a 
10.5-ounce can of Campbell's vegetable soup was selected for survey 
because it is representative of canned and packaged soups, is a 
commonly-purchased brand, and is found in all areas. Whenever 
practical, the item description included the exact brand, model, type, 
and size, so that exactly the same items could be priced in all areas 
if possible. Appendix 5 provides a list of the items surveyed and their 
descriptions.
    Changes to the item list and descriptions are an important aspect 
of the COLA survey. These changes are necessary to improve the survey 
and keep the items and descriptions current. For this survey, JFA 
changed several of the items or descriptions. The changes and the 
reasons for each are listed in Appendix 6.
2.4.2  Geographic Coverage and Outlet Selection
    Just as it was important to select commonly-purchased items and 
survey the same items in all areas, it was important to select outlets 
frequented by consumers and find equivalent outlets in all areas. This 
involved deciding which geographic areas to survey and which outlets to 
survey within these geographic areas.
2.4.2.1  Geographic Areas
    For some areas, the choice of which area(s) to survey was obvious. 
On St. Thomas, for example, the whole island is surveyed because St. 
Thomas is a relatively small island and Federal employees live 
throughout the island.

    \1\The midpoint of the moving average of CES data was 1991. 
Therefore, for the purposes of these regressions, OPM provided 
adjusted Federal salaries to reflect 1991 pay rates. OPM used the 
pay increases for 1992 (4.2%), 1993 (3.7%), and 1994 (0.0%) to 
deflate the 1994 salaries. This produced adjusted Federal salaries 
of $19,250, $29,150, and $44,700 for use in the regression 
equations.
---------------------------------------------------------------------------

    For other areas, those with multiple communities from which to 
choose, specific communities had to be identified. To do this, OPM used 
the results of the 1992 Federal Employee Housing and Living Patterns 
Survey. Among other things, that survey obtained information on where 
Federal employees lived. OPM used this information to select the 
communities in which housing costs would be priced. JFA then identified 
outlets within a normal shopping radius of these housing communities.
2.4.2.2  Similarity of Outlets
    Whenever possible, JFA selected popular outlets that were 
comparable to outlets in all areas. For example, JFA surveyed the price 
of grocery items at supermarkets in all areas because most people 
purchase their groceries at such stores and because supermarkets are 

[[Page 61336]]
found in all areas.\2\ The selection of comparable outlets was 
particularly important because comparing the prices of items purchased 
at dissimilar outlets would be inappropriate (e.g., comparing the price 
of a box of cereal at a supermarket with one sold at a convenience 
store).

    \2\In the Washington, DC, area, JFA surveyed groceries at two 
kinds of supermarkets (i.e., full-service supermarkets and 
``warehouse-type'' supermarkets) because both types of grocery 
stores are common in this area. JFA did not survey ``warehouse-
type'' grocery stores in any other area because they are relatively 
uncommon and not frequented by most Federal employees.
---------------------------------------------------------------------------

    Although major supermarkets, department stores, and discount stores 
represented a sizable portion of the survey, JFA also selected outlets 
to represent the diversity of consumer shopping. For example, JFA could 
have used department stores for pricing all clothing items surveyed. 
This would not, however, have reflected the range of consumer choices. 
Therefore, JFA also priced some clothing items in men's and women's 
clothing stores, other clothing items in department stores, others in 
shoe stores, and still others in discount stores. For each item, the 
same type of outlet (e.g., clothing store, discount store, department 
store) was selected in each area whenever possible.
2.4.2.3  Catalog Pricing
    A limited amount of catalog pricing was included in the survey to 
reflect this common purchasing option. Eight item prices were surveyed 
by catalog. OPM selected these items based on comments it received from 
Federal employees. Catalog pricing also allowed the comparison of 
comparable items that would have been difficult to price otherwise. Of 
course, all catalog prices included any charges for shipping and 
handling and all applicable taxes.
2.5  Step 4: Surveying Prices
    As noted earlier, JFA obtained approximately 12,000 prices on more 
than 200 items from 3,000 outlets. In each survey area, JFA attempted 
to get at least three price quotes for each item, with certain 
exceptions. For example, essentially all of the available home sales 
and rental data meeting the specifications were obtained. For other 
items, such as utilities and real estate tax rates, only one quote was 
obtained in each area because these items have uniform rates within an 
area. Because the Washington, D.C., area has six survey communities, 
JFA attempted to get at least 18 price quotes for most items in this 
area.
    To accomplish this, JFA used various information-gathering 
approaches. These are described below.
2.5.1  In-House Research Staff
    JFA's research personnel, and those of Runzheimer, its 
subcontractor, 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 at common types of outlets;
--Contacted real estate professionals in each survey area to obtain 
general information as well as specific rental rates and home market 
values;
--Conducted pricing surveys onsite and by telephone;
--Served as a liaison for field researchers who collected price 
information onsite;
--Performed hundreds of quality control checks, often verifying survey 
data through telephone calls and comparing current data-gathering 
results with those from earlier surveys; and
--Analyzed and computed the item, category, component, and total 
comparative cost indexes.
2.5.2  Field Researchers--``Research Associates''
    Most of the price data were collected onsite by Research Associates 
(RA's). The RA's were independent contractors, hired by JFA to visit 
retail outlets in each area and collect prices. All of these RA's were 
residents of the area. To avoid any real or perceived conflicts of 
interest, JFA refrained from hiring research associates who were either 
employees of the Federal government or who had immediate family who 
were employees of the Federal government.
2.5.3  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). The OMB-approved survey collection materials are 
found in Appendix 7. All JFA-developed worksheets or other survey 
materials conformed with those approved by OMB.
2.5.4  Inclusion of Sales and Excise Taxes
    For all items subject to sales and/or excise tax, the appropriate 
amount of tax was added prior to analysis. JFA gathered applicable 
information on taxes by contacting appropriate sources of information 
in the allowance areas and the Washington, DC, area. JFA also used 
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.
2.5.5  JFA's Onsite Visits
    Full-time JFA research professionals traveled to each allowance 
area to supervise data collection activities and perform various 
quality control checks as necessary. These visits all occurred during 
the pricing period so that these professionals could answer any of the 
RA's data collection questions or provide additional training and 
instruction if necessary.
    The researchers visited living communities within the allowance 
areas to look at housing and to talk with local real estate 
professionals. They also visited numerous retail outlets to verify that 
comparable items were being priced at comparable outlets. In addition, 
they obtained general information about the local economy.
2.5.6  Special Considerations in Selected Areas
2.5.6.1  Pricing Surveys in Hawaii County, Puerto Rico, and the Virgin 
Islands
    Three allowance areas have multiple survey areas: Hawaii County, 
Hawaii; Puerto Rico; and the U.S. Virgin Islands. In Hawaii County, 
surveys were conducted in Hilo and in the Kailua Kona area. In Puerto 
Rico, surveys were conducted in San Juan and in Mayaguez; and in the 
Virgin Islands, surveys were conducted on St. Croix and St. Thomas.
    The survey data for each of these separate survey areas had to be 
combined to represent the allowance area overall. To do this, OPM 
provided JFA with weights based on the distribution of General Schedule 
employees in these areas. These weights are shown in Appendix 2 and are 
computed using three years of data and the moving-average approach 
described earlier.
2.5.6.2  Surveying the Washington, DC, Area
    As noted earlier, JFA attempted to get more price quotes in the DC 
area than in the allowance areas because of the size and diversity of 
the Washington metropolitan area. For the purposes of the COLA surveys, 
the DC area was divided into six survey areas: two in the District of 
Columbia, two in Maryland, and two in Virginia. The specific areas 
surveyed were within a normal shopping radius of the housing 
communities identified in Appendix 9. Survey data from each of the six 
DC 

[[Page 61337]]
survey areas were combined using equal weights.
2.6  Step 5: Analyzing Data and Computing Indexes
2.6.1  General Formulae
2.6.1.1  Indexes
    Nonforeign area COLAS are derived from the living-cost indexes. 
These indexes are mathematical comparisons of living costs in the 
allowance areas compared with living costs in the Washington, DC, area.
    At the most fundamental level, an index is a way to state the 
difference between two prices (or sets of prices). For example, if a 
can of green beans costs $1.00 in the allowance area and 80 cents in 
the DC area, green beans are 25 percent more expensive in the allowance 
area than in DC. That difference can also be stated as a price index of 
125.
2.6.1.2  Item Weights
    JFA computed indexes for hundreds of items. To combine these 
indexes, JFA used weights derived from the CES. These weights reflected 
the relative amount consumers normally spend on different 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 green beans than on apples.
    The COLA model uses a fixed-weight indexing methodology. This means 
that the same expenditure weights are used in the reference area (i.e., 
the DC area) and in the allowance areas. The weights used are based on 
the expenditure patterns of consumers nationwide as reported by the 
CES. This is the only source, of which OPM is aware, that provides 
expenditure information by income level.
2.6.1.3  Category and Component Weights
    As described in section 2.3.2, JFA also computed income sensitive 
category and component weights. This allowed the combination of item 
prices in a manner that reflected the different spending patterns of 
people at different income levels. How this was accomplished differed 
among the components.
    For the Goods and Services and Miscellaneous Expense components, 
JFA simply combined indexes within each category using the CES weights 
to derive an overall index for the category. The category indexes were 
then combined into an overall component index using the income-
sensitive category weights described above.
    For the Transportation and Housing Components, JFA used the above 
approach in combination with a cost-build-up approach. For example, for 
each area the annual cost of owning and operating an automobile was 
computed by taking individual prices (e.g., automobile financing, 
insurance, gas and oil, and maintenance) and computing an overall 
dollar cost for each area. These costs were compared with those in the 
DC area to compute the Private Transportation Category index. This 
index was then combined with the Other Transportation Category index 
using income sensitive category weights to compute an overall 
Transportation Component index for each area.
2.6.2  Computing the Overall Index
    The item, category, and component indexes were combined using the 
process prescribed in Section 591.205(c), title 5, Code of Federal 
Regulations. That is a five-step process that involves converting the 
indexes to dollar values and weighting these, combining them, and 
comparing them to compute a final weighted average index. The process 
is described below.
    First, JFA used the CES data and the income ranges described in 
section 2.2.1 to determine the amount of money consumers typically 
spend on each component at each income level. These amounts appear in 
the table below and in Appendix 20. They were derived by taking the 
component weights shown in Table 2-1 times the representative income 
levels described in section 2.2.1.

                     Table 2-2.--Typical Consumer Expenditures by Income Level and Component                    
----------------------------------------------------------------------------------------------------------------
                                               Goods and                                                        
                Income level                    services     Own/rent   Transportation     Misc.        Total   
----------------------------------------------------------------------------------------------------------------
Lower.......................................       $8,341       $5,202         $3,938        $3,320      $20,800
Middle......................................       12,433        7,555          5,879         5,634       31,500
Upper.......................................       18,775       11,114          8,892         9,520      48,300 
----------------------------------------------------------------------------------------------------------------
(Note: Values may not total because of rounding.)                                                               

    Second, for each allowance area, JFA multiplied the dollar 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), two sets of total relative costs were produced--one for 
owners and another for renters.
    Third, for each allowance area and income level, JFA combined the 
total relative costs for owners and renters using as weights the 
proportion of owners and renters as identified in the CES. (See section 
4.2.1.) This produced an overall expenditure dollar amount for each 
income level in each allowance area.
    Fourth, JFA computed a single overall average expenditure for each 
allowance area by combining the income level expenditures and using the 
allowance area General Schedule employment distribution as weights. 
This produced a single overall dollar expenditure value for the 
allowance area. Using the same General Schedule employment weights, JFA 
also computed a single overall dollar expenditure value for the DC 
area.
    The final step was to divide the overall average dollar expenditure 
for the allowance area by the overall average dollar expenditure for 
the DC area to compute a final index. These indexes are shown in the 
last section of this report and in Appendix 20.

3. Consumption Goods and Services

3.1  Categories and Category Weights
    Based on the CES data, JFA identified ten categories of expenses 
within the Goods and Services Component. Using linear regression 
analyses and the CES data, JFA identified the portion of total Goods 
and Services expenditures that the typical consumer spends in each 
category at various income levels. The categories and the relative 
expenditures are shown in the table below:

                                                                                                                

[[Page 61338]]
   Table 3-1.--Category Weights Expressed as a Percentage of Goods and  
                  Services Expenditures by Income Level                 
------------------------------------------------------------------------
                                               Income levels            
            Category             ---------------------------------------
                                     Lower        Middle        Upper   
------------------------------------------------------------------------
Food at Home....................        26.40        23.49        20.65 
Food Away from Home.............        14.42        14.73        15.04 
Tobacco.........................         3.15         2.59         2.05 
Alcohol.........................         2.77         2.73         2.69 
Furnishings and Hsld. Op........        14.71        15.79        16.85 
Clothing........................        13.97        14.65        15.30 
Domestic Service................         1.76         1.90         2.04 
Professional Services...........         6.48         6.65         6.82 
Personal Care...................         3.62         3.52         3.43 
Recreation......................        12.72        13.94        15.14 
                                 ---------------------------------------
      Totals....................       100.00       100.00       100.00 
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)                       


3.2  Goods and Services Data Collection--Special Considerations
3.2.1  Exchange and Commissary Expenditure Research
    Executive Order 10000, as amended, requires OPM to adjust COLA 
rates when employees have special purchasing privileges, such as 
unlimited access to commissaries and exchanges. In Guam, employees have 
such access, so OPM directed JFA to price the same marketbasket of 
Goods and Services items at the commissaries and exchanges in Guam as 
it used for the local retail pricing. One price quote was obtained for 
each marketbasket item found in these facilities.
    It was not assumed that people with access to military facilities 
made all purchases in these facilities. Instead, the results of an OPM 
survey of Federal employees was used to determine the percentage of 
purchases that families typically make in military facilities versus 
local outlets. For example, as the following table shows, it is 
estimated that employees with commissary/exchange access in Guam, 
purchase approximately 70% of their Food at Home items at a commissary 
and purchase the remaining 30% of such items in local retail outlets.

    Table 3-2.--Percentages of Purchases Made at the Commissaries and   
                            Exchanges in Guam                           
------------------------------------------------------------------------
                          Category                            Percentage
------------------------------------------------------------------------
Food at Home................................................       70.0 
Food Away...................................................        0.0 
Tobacco.....................................................       64.0 
Alcohol.....................................................       76.0 
Furnishings. and Hsld. Op...................................       64.5 
Clothing....................................................       43.7 
Domestic Service............................................        0.0 
Professional Services.......................................        0.0 
Personal Care...............................................       49.3 
Recreation..................................................       49.7 
------------------------------------------------------------------------

    These percentages were used to aggregate the local retail and 
commissary/exchange prices into one set of appropriate, blended prices, 
hereinafter referred to as the Commissary/PX prices. The blended prices 
were compared to the local retail prices in the Washington, DC, area to 
compute Commissary/PX Goods and Services Category indexes, which were 
then combined using CES weights to derive an overall Commissary/PX 
Goods and Services Component index. Just as with the Guam Local Retail 
Goods and Services Component index, the Guam Commissary/PX Goods and 
Services Component index was combined with the indexes for the Housing, 
Transportation and Miscellaneous Expense Components to derive a single, 
overall Commissary/PX index for the Guam allowance area.
3.2.2  Restaurant Pricing
    To ensure comparison of prices at comparable restaurants among 
areas, OPM asked JFA to classify the restaurants it surveyed into two 
groups: family dining and fine dining. JFA used such characteristics as 
menu selections, atmosphere, table setting, seating, reservations, and 
American Automobile Association rating to make these distinctions. In 
addition, OPM also directed JFA to survey 100% of selected family 
restaurants for breakfast, approximately 75% for lunch, and about 67% 
for dinner. This allowed comparison of meal prices at a comparable mix 
of restaurants in all areas.
3.3  Goods and Services Survey Results
    Section 2.6 of this report provides a detailed explanation of the 
economic model used to analyze the price data. As it applies to Goods 
and Services, the approach involved comparing the average prices of 
marketbasket items in each allowance area with those in the Washington, 
DC, area. The resulting price ratios were aggregated into subcategory 
and then category indexes using the moving-average expenditure weights 
derived from the CES data.
    Appendix 8 shows for each allowance area ten category indexes, the 
weights used at each of the three income levels, and the overall Goods 
and Services indexes. The Washington, DC, area is not shown because it 
is, by definition, the reference area. Therefore, the DC indexes are 
100.

4. Housing

4.1  Component Overview
    The Housing component consists of expenses related to owning or 
renting a dwelling. These are--

--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, JFA measured separately the 
annual housing costs for homeowners and renters. The results were then 
combined using as weights the percentages of owners and renters 
reported by the CES. 

[[Page 61339]]

4.2  Housing Model
4.2.1  Expenditure Research
    The CES was used to determine the national average ratio of 
families who own, as opposed to rent, their residences. Using the 
expense data by income range as input into a linear regression 
analysis, JFA calculated the owner and rent weights shown below. JFA 
excluded expenditure data for home owning families without a mortgage 
because they were not typical of homeowners in the base area or in the 
allowance areas.

                    Table 4-1.--Owner/Renter Weights                    
------------------------------------------------------------------------
                                               Income levels            
                                  --------------------------------------
             Category                 Lower        Middle       Upper   
                                    (percent)    (percent)    (percent) 
------------------------------------------------------------------------
Homeowner with mortgage..........        38.41        47.46        61.67
Renter...........................        61.59        52.54        38.33
                                  --------------------------------------
      Totals.....................       100.00       100.00       100.00
------------------------------------------------------------------------

    The CES data were also used to identify which home-maintenance 
items to price and to establish the relative importance of those items.
4.2.2  Housing Profiles
    To compare housing costs in all locations, six typical housing 
profiles are used and are assigned to the three income levels, as shown 
in the table below. OPM requested that at least one criterion for the 
owner profile be the square footage of the home and at least one 
criterion for the renter profile be the number of bedrooms in the 
rental unit.

                                          Table 4-2.--Housing Profiles                                          
----------------------------------------------------------------------------------------------------------------
             Income level                       Renter profile                        Owner profile             
----------------------------------------------------------------------------------------------------------------
Lower.................................  3 rooms, 1 BR, 1 bath, 600 sq.  4 rooms, 2 BR, 1 bath, 900 sq. ft. condo
                                         ft. apartment.                  or detached house.                     
Middle................................  4 rooms, 2 BR, 1 bath, 900 sq.  5 rooms, 3 BR, 1 bath, 1,300 sq. ft.    
                                         ft. apartment.                  detached house (rowhouse in NE DC).    
Upper.................................  4 rooms, 2 BR, 2 baths, 1,100   7 rooms, 3 BR, 2 baths, 1,700 sq. ft.   
                                         sq. ft. townhouse or detached   detached house.                        
                                         house.                                                                 
----------------------------------------------------------------------------------------------------------------

    The home sizes stated above are the representative sizes used for 
certain calculations in the model. They are not, however, the only size 
surveyed for each profile. For rentals, JFA obtained rental rates on 
any unit, regardless of its size, that otherwise meet the profile 
characteristics. For home sales, JFA obtained the prices of homes 
within size range and otherwise meeting the profile specifications. The 
size ranges are shown below:

                     Table 4-3.--Home Sizes Surveyed                    
------------------------------------------------------------------------
           Income level                            Range                
------------------------------------------------------------------------
Lower............................  600 to 1,200 sq. ft.                 
Middle...........................  1,000 to 1,600 sq. ft.               
Upper............................  1,400 to 2,300 sq. ft.               
------------------------------------------------------------------------

    It should be noted that although the size ranges overlap, no home 
sale observation could be used at more than one income level. 
Application of the other criteria (i.e., number and types of rooms) 
ensured that each observation was assigned to the appropriate income 
level even though its size was common to two income levels.
4.2.3  Living Community Selection
    As discussed briefly in sections 1.2.2 and 2.4.2.1, OPM identified 
the living communities to be surveyed based on the results of the 1992 
Federal Employee Housing and Living Patterns Survey. This resulted in 
many survey community changes in both the allowance areas and in the 
Washington, DC, area. The communities surveyed are identified in 
Appendix 9.
    As with previous surveys, nine homeowner and nine renter 
communities were identified for the Washington, DC, area--one for each 
income level in each of the three areas (DC, Maryland, and Virginia). 
In the allowance areas, up to three homeowner and three renter 
communities were identified--one for each income level.
    The three-community owner/renter goal was not achievable in many of 
the smaller allowance areas due to the relatively few home sales and 
rental opportunities in these areas. In such areas, OPM directed JFA to 
collect prices for the entire survey area or allowance area rather than 
in specific communities. This was done in Hilo, Kailua Kona, Kauai, 
Maui, Guam, Mayaguez, St. Croix, and St. Thomas. In these areas, all 
home sales and/or rental rates meeting the housing profile 
characteristics for the particular income group were included in the 
analysis.
4.2.4  Housing-Related Expenses
    Based on the CES data, housing-related expense items are 
categorized into one of five groups in the COLA model. These groups 
are--

--utilities,
--real estate taxes,
--owners/renters insurance,
--maintenance, and
--telephone.
4.2.4.1  Utilities
    Electricity, oil, gas, water, and sewer are the utilities used in 
the model. Most utility companies are able to provide current charges 
per unit of consumption and average consumption patterns for all 
households. The companies were not, however, able to provide separate 
consumption patterns by the size or type of housing.
    Because many utility costs vary by size of house, a factor is 
needed to derive the utility rates at each of the home profiles. The 
table below shows the standard square foot sizes and utility factors 
used for each home profile. The factors are calculated by assuming that 
utility use increases or decreases at half 

[[Page 61340]]
the rate that square footage increases or decreases.

                       Table 4-4.--Utility Factors                      
------------------------------------------------------------------------
                                       Renter profile     Owner profile 
            Income level             -----------------------------------
                                      Sq. ft.   Factor  Sq. ft.   Factor
------------------------------------------------------------------------
Lower...............................      600      .73      900      .85
Middle..............................      900      .85    1,300     1.00
Upper...............................    1,100      .92    1,700     1.15
------------------------------------------------------------------------

    In each area, JFA obtained the price of each of the types of 
utilities noted above. JFA used average annual consumption per 
household information gathered from utility companies serving each area 
to compute average annual utility costs. The above factors were then 
used to adjust the total annual utility costs for each of the various 
housing profiles.
4.2.4.2  Real Estate Taxes
    For this study, JFA contacted the city assessors in each allowance 
area and in the Washington, DC, area to obtain real estate tax 
information on the living communities surveyed. Real estate tax 
formulas were obtained for most living communities. Actual or 
representative tax amounts were obtained in other communities (e.g., 
Puerto Rico) where formulas were not available or directly applicable.
4.2.4.3  Owners/Renters Insurance
    Homeowners' insurance rates are gathered for each of the survey 
areas for both renter and owner profiles. For renters, the following 
estimated content values were used: $20,000 at the lower and middle 
income levels and $30,000 at the upper income level.
    For homeowners, the cost of insurance was dependent on the average 
home values calculated as part of this survey. In most areas, it was 
assumed that the structure was equal to 80 percent of the total home 
value. In Hawaii, where land prices tend to be higher, it was assumed 
that the structure was equal to 50 percent of the total home value.
    Previous research, conducted by Runzheimer International for OPM, 
found that insurance coverage for disasters, such as floods and 
earthquakes, were not widely purchased in the allowance areas. 
Therefore, the COLA model does not include these additional riders. 
(See Report to OPM on Living Costs in Selected NonForeign Areas and in 
the Washington, DC Area, June 1992 at 57 FR 58556). Hurricane and 
typhoon coverage, however, is common in Hawaii, Guam, and the U.S. 
Virgin Islands, and was included either in the insurance quote obtained 
or priced as a separate rider and added to the total insurance costs 
for these areas.
4.2.4.4  Home Maintenance
    Estimated home maintenance expense was computed for each of the 
homeowner profiles. Maintenance costs were not added in the three 
renter profiles because most, if not all, maintenance expenses are 
covered by the landlord.
    As was done in previous surveys, JFA priced both home maintenance 
services as well as home maintenance commodities, using the CES 
information to identify items to price and the weights associated with 
these items. The maintenance service items priced were interior 
painting, plumbing repair, electrical repair, and pest control. The 
maintenance commodities priced were bathroom caulking, kitchen faucet 
set, an electrical outlet, latex interior paint, and a fire 
extinguisher.
    To compute home maintenance cost differences between each allowance 
area and the Washington, DC, area for the homeowner profiles, an index 
was computed for each maintenance item by comparing the allowance area 
price to the DC area price. As with the Goods and Services Component 
items, the CES data were used to weight these maintenance indexes into 
an overall home maintenance index for each area.
    To combine the maintenance indexes with the other homeowner costs, 
which were expressed in dollar amounts, JFA converted the indexes to 
dollars by multiplying the index for each area by the average 
maintenance expense reported in the CES. This cost was assigned to the 
middle-income homeowner profile.
    Logically, maintenance costs for larger homes would generally be 
greater than costs for middle-sized homes, while costs for smaller 
homes would generally be less. Therefore, the same homeowner 
multipliers used in the utilities model for the lower and upper income 
profiles (.85 and 1.15 respectively) are applied to recognize 
differences in maintenance costs due to house size.
4.2.4.5   Telephone
    Telephone expense consisted of local service charges, additional 
charges for local calls (if applicable), and charges for long distance 
calls. To measure estimated expenses for local service and local calls, 
JFA surveyed the cost of touch-tone service with unlimited calling in 
each area.
    To estimate long distance charges in all areas, JFA 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). JFA 
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, JFA collected housing information 
mainly from real estate professionals, various listings services, and 
advertisements. In addition, JFA personnel traveled to each of the 
surveyed communities to assess the compatibility of the housing 
community with the income level for which the data were used and to 
ensure that homes in these communities were comparable to those in the 
Washington, DC, area.
4.3.1  Homeowner Data Collection
    JFA obtained selling prices of homes that matched the housing 
profiles in each living community. JFA obtained as many of these 
selling prices as possible for sales that occurred during the 6-month 
period prior to the date of the survey.
    The amount of data obtained depended on the number of home sales in 
the community and the availability of square footage and other housing 
profile information. This in turn depended on the size of the 
community, economic conditions, quality and quantity of the realty data 
available, and the willingness and ability of local realty 
professionals and assessor offices to provide data.
    If sales data obtained from the preliminary data sources did not 
meet specified contract minimums, JFA contacted additional data sources 
in the area to attempt to secure more sales data, if practical. In this 
manner, either all or a sizeable portion of the home sales in each area 
were surveyed.
4.3.2  Renter Data Collection
    Rental data also were obtained from a variety of sources, e.g., 
brokers, rental management firms, property managers, newspaper 
advertisements, and other listings. Analyses of these data revealed 
what appeared to be two separate rental markets: a broker market and a 
non-broker market. Rental rates and estimates provided by brokers 
generally exceeded those obtained from other sources. The methodology 
used to analyze these two data sets is discussed in section 4.4.2. 

[[Page 61341]]

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. In the past, OPM directed 
the contractor to rank housing data high to low and trim equal numbers 
of observations from both ends of the data. The average of the 
remaining values was then used. This year, OPM changed the methodology 
and used the median home value rather than trimming and averaging. The 
median is the middle value in a rank-ordered set of observations. The 
purpose of either approach is to reduce the volatility of the housing 
data from one survey to the next because a relatively few extremely 
high or low home prices could significantly influence average housing 
costs.
    For each income profile in each allowance area and the Washington, 
DC, area, JFA computed the median price per square foot for the 
comparables. This value was then multiplied by the reference square 
footage for the profile to determine the average home value for the 
profile.
    Another change that OPM made this year was to ask JFA to use 
historical housing data in addition to data collected this year. These 
data are found in Appendix 10 of this report. The historical data are 
from previous living-cost surveys that were published in the Federal 
Register beginning with the 1990 report. (See Appendix 1 for a listing 
of these publications). The data for the period prior to 1990 were 
published with the results of the 1991-1992 living cost surveys at 57 
FR 58618. All housing values are based on the community selections and 
analytical methodologies used at the time of each respective survey.
    The historical housing data used were the estimated annual 
principal plus interest payments by income level in each area. To 
combine these data, OPM supplied JFA with weights that were derived 
from the 1992 Federal Employee Housing and Living Patterns Survey. 
These weights reflect the proportion of Federal employee homeowners by 
year of purchase or acquisition in all allowance areas and in the 
Washington, DC, area. The historical housing weights and analyses are 
shown in Appendix 11.
4.4.2  Rental Data Analysis
    JFA assigned each rental quote data point to a single income level, 
based on the following criteria:

--One bedroom apartments: Lower Income Level,
--Two bedroom apartments: Middle Income Level, and
--Townhouses and detached houses with a minimum of two bedrooms: Upper 
Income Level.

    As discussed earlier, there were essentially two sources of rental 
information: broker and non-broker sources. In each area, the quantity 
of data obtained from either source-type varied significantly. 
Therefore, analyzing all of the rental data (both broker and non-
broker) together for an area and income level was undesirable.
    Instead, OPM instructed JFA to analyze broker and non-broker data 
separately by income level. As with the housing data analyses, OPM 
changed from the use of trimming and averaging to the use of the 
median. Therefore, for each income level, JFA ranked the rental rates 
from low to high separately for broker and non-broker data. The median 
values for broker and non-broker data for each group were determined 
and then averaged to compute a single rental value for each income 
level. Because OPM has no information on how the Federal employees who 
rent generally secure their lodgings, OPM requested that JFA apply 
equal weights to the broker and nonbroker data to compute an overall 
average rental rate for the area and income level. The broker and non-
broker medians and final results are shown in Appendix 12.
4.5  Housing Survey Results
    In the above sections, the processes used for determining the costs 
for maintenance, insurance, utilities, real estate taxes, rents, and 
homeowner mortgages were described. Appendix 13 shows the cost of each 
of these items for renters and homeowners in each allowance area and in 
the Washington, DC, area.
    Appendix 14 compares the total cost of these items by income level 
in each allowance area with the total cost of the same items by income 
level in the Washington, DC, 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 20 to derive the total, overall index for owners 
and renters. (Refer to Section 2.6 for a discussion of the general 
formulae and how the component indexes are combined.)

5. Transportation

5.1  Component Overview
    The transportation component consists of two categories: Automobile 
Expense and Other Transportation Costs. The Automobile Expense Category 
reflects costs relating to owning and operating a car in each area. The 
Other Transportation Costs Category is represented by the cost of air 
travel from each location to a common point within the contiguous 48 
states.
5.2  Private Transportation Methodology
    As was done in previous surveys, JFA analyzed automobile 
transportation costs for three commonly purchased vehicles: a domestic 
auto, an import auto, and a utility vehicle. New car costs were used 
for these analyses because it was believed that pricing used vehicles 
of equivalent quality in each area could introduce inconsistencies 
because of the value judgements that would be required.
5.2.1  Vehicle Selection and Pricing
    The three vehicles selected for analysis were:

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

    These are the same models that were surveyed in previous years and 
were selected based on their popularity in the United States as 
demonstrated by owner registration data.
    For each model car, JFA collected new vehicle prices at dealerships 
in each area and from secondary sources, such as the Kelly Blue Book. 
All prices were based on the manufacturers' suggested retail prices 
(MSRP) for 1994. (OPM did not believe it was feasible to collect 
information on the negotiated price for these vehicles.) All vehicles 
were equipped with standard options, such as automatic transmission, 
AM/FM stereo radio and air conditioning.
    In addition to the MSRP, the price included additional charges such 
as shipping, dealer preparation, additional dealer markup, excise tax, 
sales tax, and any other one-time taxes or charges. In Hawaii, for 
example, documentation fees were also included as part of the new-
vehicle costs.
    Rustproofing was priced in all areas, including the Washington, DC, 
area. In previous surveys, the contractor found that auto dealers in 
the DC area did not recommend vehicle rustproofing, although it was a 
commonly suggested option in the allowance areas. This year, the 
information collected suggested that rustproofing was a commonly 
offered option in all areas. Therefore, OPM directed JFA to include the 
cost of rustproofing in the DC area as well as the allowance areas. 

[[Page 61342]]

5.2.2  Vehicle Trade Cycle
    Calculating the cost of owning and operating a vehicle requires 
knowing the miles driven and how long the car is owned. 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 (in months or years) and the total number of miles driven in that 
time period. This information is used in the model to compute annual 
costs related to fuel, oil, tires, maintenance, and depreciation.
    As with the previous living-cost analyses, JFA used a four-year, 
60,000-mile trade cycle in all areas. This was based upon the following 
information:

--The Internal Revenue Service uses this trade cycle 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; and
--U.S. Department of Energy statistics for 1988 show that the annual 
average for number of vehicle miles driven in the United States was 
18,595 per household and 10,246 miles per vehicle.
5.2.3  Fuel Performance and Type
    All vehicles included in this study used regular unleaded fuel. JFA 
surveyed self-service cash prices of unleaded regular gasoline at name-
brand gas stations in each area.
    To establish average fuel-performance ratings, the COLA model uses 
the ``city driving'' figures published by the U.S. Environmental 
Protection Agency (EPA). The ``city'' instead of ``highway'' figures 
are used because all locations contained considerable stop-and-go 
driving conditions.
    As in previous COLA surveys, JFA included in its analysis the 
following fuel-performance factors: temperature, road surface, and 
gradient. These factors are based on research previously conducted for 
OPM. This research and the factors are discussed below.
5.2.3.1  Impact of Temperature Upon Fuel Performance
    Gas mileage is affected by temperature. The lower the temperature, 
the fewer miles-per-gallon achieved and vice versa. According to the 
EPA's Passenger Car Fuel Economy: EPA and Road, 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. The model uses the average monthly 
temperatures for each allowance area and the Washington, DC, area as 
reported in The Weather Almanac, published by Ruffner and Blair.
    For each location and month, the model uses the appropriate factor 
from the EPA study based on the average monthly temperature for the 
area. These factors are then averaged to derive a single overall factor 
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 the model, it is assumed that Federally controlled roadways are 
typically composed of concrete and/or highload 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 vary among areas, previous 
research conducted for OPM produced no relevant findings regarding this 
issue. Therefore, the model uses the assumption 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, the total mileage falling into either the 
Federal or local categories was collected. For example, Hawaii contains 
1,456 miles of Federally controlled roads and 2,606 miles of locally 
controlled roads. The usage assumption increased Federal road mileage 
by a factor of two.
    The average low-load asphalt factor (which reflects dry, wet, and 
snowy conditions) is applied to the local mileage percentage, and the 
average concrete and/or high-load asphalt factor is applied to the 
Federal mileage percentage to produce a weighted average factor for 
each area. The weighted factor is 0.98 for the allowance areas. The 
Washington, DC, area is assigned a factor of 1.00 on the premise that 
the vast majority of traffic in that area travels on dry, high-load 
surfaces. The application of these factors is described in section 
5.2.3.4.
5.2.3.3  Impact of Gradient Upon Fuel Performance
    The effect of gradient on gas mileage is also estimated from EPA's 
Passenger Car Fuel Economy: EPA and Road. Local topography (i.e., 
gradient) affects fuel efficiency. EPA provides mileage factors based 
upon various gradients ranging from less than 0.5% (essentially flat) 
to greater than 6% (steep).
    In research previously conducted for OPM, the contractor reviewed 
the topographic features of each area and found a wide range of road 
conditions. However, the contractor was unable to find relevant 
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, the contractor assumed that drivers in the 
allowance areas generally traveled roads having approximately the same 
gradients that are found on average in the United States.
    Applying the information from EPA's research, a fuel-performance 
factor of 0.981 was computed for this type of driving. This factor was 
assigned to each allowance area. For the Washington, DC, area, a factor 
of 1.00 was used on the premise that the vast majority of traffic in 
that area travels on major freeways and highways that are relatively 
flat. The application of these factors is described in the next 
section.
5.2.3.4   Overall Impact Upon Fuel Performance
    JFA applied the factors described above to make adjustments to the 
average gas mileage ratings for each type of automobile surveyed for 
each allowance area and for the Washington, DC, area. The adjustment 
factors compound--that is, the total adjustment is the result of 
multiplying the three individual factors together for each 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 DC area 
(0.94) indicates that average gasoline mileage in that area is also 
below the EPA estimate.

                                                                        

[[Page 61343]]
                               Table 5-1.--Summary of Fuel-Performance Adjustments                              
----------------------------------------------------------------------------------------------------------------
                                                                               Road                             
                          Location                            Temperature    surface      Gradient      Total   
----------------------------------------------------------------------------------------------------------------
Hawaii......................................................         0.99         0.98         0.98         0.95
Guam........................................................         0.99         0.98         0.98         0.95
Puerto Rico.................................................         1.01         0.98         0.98         0.97
Virgin Islands..............................................         1.01         0.98         0.98         0.97
Washington, DC..............................................         0.94         1.00         1.00         0.94
----------------------------------------------------------------------------------------------------------------



5.2.4  Vehicle Maintenance
    As was done in the previous surveys, JFA surveyed the cost of five 
common maintenance services and repairs performed on the vehicles 
surveyed. The services and repairs were--

--Tuneup,
--Oil change,
--Automatic transmission fluid change,
--Flush/fill coolant, and
--Muffler/exhaust pipe replacement.

    Where appropriate, the 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, it was 
assumed that driving conditions in the allowance areas are generally 
severe, and the maintenance schedules used reflected that kind of 
driving. For the DC area, it was assumed that driving conditions were 
normal, and the maintenance schedules used for that area 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. As with previous 
surveys, JFA collected specific parts costs and hourly labor costs in 
each location and used Chilton's Labor Guide and Parts Manual to 
determine service times and parts required for each maintenance 
procedure.
5.2.5  Tires
    Research previously conducted for OPM revealed that various factors 
(e.g., road quality/state of repair, road composition) appeared to 
reduce tread life (i.e., the average number of miles a tire is expected 
to last) in the allowance areas compared with the Washington, DC, area. 
Based on this research, the model uses tire expense based on a 40,000-
mile tread life in allowance areas and a 55,000-mile tread life in the 
DC area.
    JFA priced the cost of a new set of tires, including mounting and 
balancing and all applicable taxes, in each area. This cost was 
converted into an annual cost by dividing the estimated number of 
annual miles driven by the expected tread life and multiplying this by 
the new tire price.
5.2.6  License and Registration Fees, and Miscellaneous Tax
    JFA obtained information regarding license registration fees and 
personal property tax (where applicable). License and registration fees 
were included as part of the annual cost of owning an automobile. 
Personal property tax was computed for each year of the vehicle's four-
year trade cycle using the vehicle's estimated used-car value for each 
year. The resulting four personal property tax values were then 
averaged, and that average was included as part of the annual cost of 
owning an automobile.
    As stated in section 5.2.1, sales and excise taxes were included in 
the purchase price of the vehicle and were accounted for under the 
annual vehicle purchase and finance costs.
5.2.7  Depreciation
    The single largest annual expense related to owning and operating a 
new car is depreciation--the lost value of the vehicle as it ages and 
is driven. Total depreciation is calculated by subtracting from the 
purchase price the estimated residual value (used car value) four years 
later. This value is then divided by 4 to produce an annual 
depreciation amount.
    As described earlier, the new car price is the manufacturer's 
suggested retail price plus any additional charges, such as shipping, 
dealer prep, additional dealer markup, excise tax, and sales tax. As 
was done in previous surveys, the used car value was based on 
information from the Black Book Official Finance/Lease Guide for 1994. 
Although this source only tracks prices of vehicles sold in the 
contiguous 48 states, research performed by the previous OPM contractor 
produced no conclusive evidence that used cars in allowance areas were 
(on average) worth more or less than used cars in the DC area. 
Therefore, consistent with previous surveys, the used car prices for 
each make and model were held constant among the areas.
    It should be noted that identical residual values did not result in 
identical depreciation amounts. Depreciation amounts were higher in the 
allowance areas than in the Washington, DC, area because new car prices 
are higher in the allowance areas.
5.2.8  Finance Expense
    For the model, it is assumed that new car purchases are financed. 
Therefore, JFA surveyed banks in all areas to obtain their auto-loan 
interest rates for a 48-month loan with 80 percent financing. The 
finance cost for each vehicle in each area was computed and included in 
the annual cost of owning and operating an automobile.
5.2.9  Vehicle Insurance
    JFA surveyed the cost of car insurance in each location. Consistent 
with the previous year's survey, JFA used the following common 
coverages, limits, and deductibles:


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.             
                                                                        

    In each survey area, JFA identified the common automobile insurance 
companies and attempted to obtain three insurance price quotes for each 
type of car surveyed. These quotes were averaged by type of car to 
produce estimated insurance costs for each area.
    JFA found that some insurance companies in Hawaii and Kauai 
Counties, Hawaii; Guam; Puerto Rico; and the Virgin Islands did not 
offer the coverages, limits, and deductibles shown above. To allow the 
comparison of the cost of these different policies with DC costs, OPM 
directed JFA also to survey in the DC area the cost of insurance that 
was comparable to that offered in these allowance areas. The cost of 
these equivalent policies were then compared to derive adjustment 
factors that could be applied to the cost of the standard coverages, 
limits, and deductibles shown above. By applying 

[[Page 61344]]
these factors to the DC area average price, the cost of equivalent 
coverage was estimated for these particular allowance areas. The 
factors and their derivation are shown in Appendix 16.
5.2.10  Overall Annual Costs
    As described above, JFA measured the annual 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, DC, area. These costs were then summed to determine 
the overall annual costs by area for owning and operating each type of 
automobile. Appendix 15 shows these costs for each area by type of 
vehicle.
5.3  Other Transportation Costs--Air Fares
    Air fares are the only item priced for the Other Transportation 
Costs Category. For this item, JFA priced the lowest available round-
trip air fare from each allowance area and the Washington, DC, 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, DC, area. The cost of the trip from each allowance 
area to Los Angeles was compared with the cost of the trip from the DC 
area to Los Angeles to compute the category indexes. These fares are 
shown in Appendix 17.
5.4  Transportation Component Analyses
    JFA compared the total cost of private auto transportation for each 
vehicle in each allowance area with the total cost for the same vehicle 
in the DC area. These comparisons are expressed as indexes and are 
shown in Appendix 18. The indexes were then averaged to produce a 
single Automobile Expense Category index for each allowance area.
    Likewise, JFA compared the cost of air fares for each area with 
those for the DC area and computed a cost index. These indexes are also 
shown in Appendix 18. That appendix also shows how the auto and air 
transportation indexes are combined using expenditure weights derived 
from the CES data to produce final transportation indexes.
    JFA used national average expenditure data to derive weights that 
reflected how much consumers typically spend to own and operate an 
automobile versus other transportation expenses. These weights were 
used to combine the Automobile Expense Category index with the Other 
Transportation Cost index by area to derive the overall Transportation 
Component index for the area. The weights, computations, and final 
indexes are also shown in Appendix 18. The Transportation Component 
indexes are used in Appendix 20 to derive the total overall index.

6. Miscellaneous Expenses

6.1  Component Overview
    The Miscellaneous Expense component consists of three categories of 
expenses:

--Medical care,
--Contributions (including gifts to non-family members),
--Personal insurance and retirement contributions/ investments.

    JFA used an approach similar to that used for the Goods and 
Services Component to derive the indexes for each of these categories 
and the Miscellaneous Component overall.
6.2  Component Weights
    JFA used CES data to determine the appropriate weights for each of 
the items and categories in the Miscellaneous Component. The following 
table shows the category weights. Item weights are shown in Appendix 
19.

        Table 6-1.--Miscellaneous Expense Categories and Weights        
------------------------------------------------------------------------
                                                Income level            
                                  --------------------------------------
            Categories                Lower        Middle       Upper   
                                    (percent)    (percent)    (percent) 
------------------------------------------------------------------------
Medical Care.....................        41.50        31.33        23.51
Contributions....................        15.80        16.85        17.65
Personal Insurance and Retirement                                       
 Contributions...................        42.70        51.82        58.83
                                  --------------------------------------
    Totals.......................       100.00       100.00       100.00
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)                       

6.3  Component Categories
6.3.1  Medical Expense Category
    JFA surveyed the price of medical care items using essentially the 
same approach it used for the Goods and Services Component items. The 
following medical-care items were priced in each allowance area and in 
the Washington, DC, area. (See Appendix 5 for item descriptions).

--Nonprescription pain reliever
--Prescription drugs
--Vision check
--Dental service
--Doctor visit
--Hospital room
--Health insurance

    JFA surveyed the cost of these items in both the allowance areas 
and in the Washington, DC, area and compared the prices to produce an 
index for each item in each area. JFA combined these indexes using CES 
weights to produce a single Medical Care Category index for each area.
    It should be noted that for the model, it is assumed that the cost 
of health insurance is constant among areas because the choice of 
Federal health coverage is to a large extent a matter of personal 
preference. Therefore, the index for this item is 100.00.
6.3.2  Contributions Category
    The index for the Contributions Category is the Goods and Services 
Component index for the area. The Goods and Services index is used 
based on the assumption that the relative level of contributions is 
roughly equivalent to that reflected by the Goods and Services index.
6.3.3  Personal Insurance and Retirement Category
    The index for personal insurance and retirement contributions and 
investments is assumed to be constant among areas. The cost of Federal 
Employees Group Life Insurance is a matter of personal preference and 
is constant in all areas for the same age, salary, and benefit option 
combinations. Likewise, retirement contributions are a matter of 
personal preference and the minimum contribution requirements are 
constant among areas for equivalent salary levels. 

[[Page 61345]]

6.4  Miscellaneous Expense Analyses
    As with the Goods and Services Component, the indexes for each of 
the Miscellaneous Component categories are combined using CES weights 
to produce a single component index for each area. These indexes are 
shown in Appendix 19.
    Section 2.5 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 20 shows 
how each index was derived from the component indexes.

                Table 7-1.--Final Cost Comparison Indexes               
------------------------------------------------------------------------
                        Allowance area                           Index  
------------------------------------------------------------------------
City and County of Honolulu, Hawaii..........................     119.56
Hawaii County, Hawaii........................................     112.56
Kauai County, Hawaii.........................................     116.35
Maui County, Hawaii..........................................     118.84
Guam/CNMI, Local Retail......................................     119.39
Guam/CNMI, Commissary/Exchange...............................     113.40
Puerto Rico..................................................      99.63
U.S. Virgin Islands..........................................    112.08 
------------------------------------------------------------------------
CNMI=Commonwealth of the Northern Mariana Islands.                      


     Appendix 1.--Publication in the Federal Register of Results of     
             Nonforeign Area Living-Cost Surveys: 1990-1994             
------------------------------------------------------------------------
        Citation                  Title                  Contents       
------------------------------------------------------------------------
56 FR 7902.............  Office of Personnel      Results of summer 1990
                          Management: Cost-of-     living-cost surveys  
                          Living Allowances and    conducted in Alaska, 
                          Post Differentials       Hawaii, Guam, Puerto 
                          (Nonforeign areas).      Rico, and the U.S.   
                                                   Virgin Islands.      
57 FR 58556............  Office of Personnel      Results of summer 1991
                          Management: Report on    and winter 1992      
                          1991/1992 Surveys Used   living-cost surveys  
                          to Determine Cost-of-    conducted in Alaska, 
                          Living Allowances in     Hawaii, Guam, Puerto 
                          Nonforeign Areas.        Rico, and the U.S.   
                                                   Virgin Islands.      
58 FR 45558............  Office of Personnel      Results of summer 1992
                          Management: Report on    and winter 1993      
                          1992/1993 Surveys Used   living-cost surveys  
                          to Determine Cost-of-    conducted in Alaska, 
                          Living Allowances in     Hawaii, Guam, Puerto 
                          Nonforeign Areas.        Rico, and the U.S.   
                                                   Virgin Islands.      
58 FR 27316............  Office of Personnel      Results of summer 1993
                          Management: Report on    living-cost surveys  
                          Summer 1993 Surveys      conducted in Hawaii, 
                          Used to Determine Cost-  Guam, Puerto Rico,   
                          of-Living Allowances     and the U.S. Virgin  
                          in Nonforeign Areas.     Islands.             
59 FR 45066............  Office of Personnel      Results of winter 1994
                          Management: Report on    living-cost surveys  
                          Winter 1994 Surveys      conducted in Alaska. 
                          Used to Determine Cost-                       
                          of-Living Allowances                          
                          in Alaska.                                    
------------------------------------------------------------------------


                             Appendix 2.--Multiple Survey Areas: Summer 1994 Survey                             
                           [Federal Employment Weights Within a Single Allowance Area]                          
----------------------------------------------------------------------------------------------------------------
                         Location                             1992       1993       1994     Average    Weights 
----------------------------------------------------------------------------------------------------------------
Hawaii County:                                                                                                  
    Hilo, HI.............................................        243        250        292        262      83.17
    Kailua Kona, HI......................................         47         52         60         53      16.83
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        315     100.00
                                                          ======================================================
Puerto Rico:                                                                                                    
    San Juan, PR.........................................       5074       5135       5235       5148      88.90
    Mayaguez, PR.........................................        625        606        698        643      11.10
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........       5791     100.00
                                                          ======================================================
Virgin Islands:                                                                                                 
    St. Croix, VI........................................        148        142        151        147      45.09
    St. Thomas, VI.......................................        180        190        166        179      54.91
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        326     100.00
----------------------------------------------------------------------------------------------------------------


                                   Multiple Income Levels: Summer 1994 Survey                                   
                           [Federal Employment Weights Within a Single Allowance Area]                          
----------------------------------------------------------------------------------------------------------------
                Location and income level                     1992       1993       1994     Average    Weights 
----------------------------------------------------------------------------------------------------------------
Honolulu, HI:                                                                                                   
    Low..................................................       4789       4346       4239       4458      33.49
    Middle...............................................       4567       4540       4171       4426      33.25
    Upper................................................       4248       4344       4689       4427      33.26
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........      13311     100.00
                                                          ======================================================

[[Page 61346]]
                                                                                                                
Hawaii County, HI:                                                                                              
    Low..................................................        129        122        165        139      37.87
    Middle...............................................        133        145        154        144      39.24
    Upper................................................         77         85         91         84      22.89
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        367     100.00
                                                          ======================================================
Kauai County, HI:                                                                                               
    Low..................................................         53         71         81         68      28.57
    Middle...............................................         94         94         84         91      38.24
    Upper................................................         71         78         89         79      33.19
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        238     100.00
                                                          ======================================================
Maui County, HI:                                                                                                
    Low..................................................         29         37         39         35      24.65
    Middle...............................................         61         56         56         58      40.84
    Upper................................................         44         51         51         49      34.51
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        142     100.00
                                                          ======================================================
Guam:                                                                                                           
    Low..................................................       1010       1061       1060       1044      48.31
    Middle...............................................        650        696        681        676      31.28
    Upper................................................        387        437        498        441      20.41
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........       2161     100.00
                                                          ======================================================
Puerto Rico:                                                                                                    
    Low..................................................       2535       2330       2428       2431      41.91
    Middle...............................................       2133       2287       2184       2201      37.94
    Upper................................................       1047       1140       1321       1169      20.15
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........       5801     100.00
                                                          ======================================================
Virgin Islands:                                                                                                 
    Low..................................................        125        128        114        122      37.54
    Middle...............................................        139        133        128        133      40.92
    Upper................................................         64         71         75         70      21.54
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        325     100.00
----------------------------------------------------------------------------------------------------------------



                                    Appendix 3.--Consumer Expenditure Surveys                                   
                             [Pre-published Data for All Consumer Units Nationwide*]                            
----------------------------------------------------------------------------------------------------------------
                                                                           Total complete reporting             
                                                             ---------------------------------------------------
                                                                  1988         1991         1992       Average  
----------------------------------------------------------------------------------------------------------------
Average Before Tax Income...................................    28,540.00    33,901.00    33,854.00    32,098.33
Average annual expenditures.................................    26,389.07    30,487.29    30,527.49    29,134.62
  Food......................................................     3,804.39     4,366.88     4,358.56     4,176.61
    Food at home............................................     2,176.94     2,724.89     2,684.35     2,528.73
      Cereals and bakery products*..........................       317.03       413.81       418.15       383.00
        Cereals and cereal products*........................       111.15       149.01       144.15       134.77
          Flour*............................................         4.83         6.61         7.21         6.22
          Prepared flour mixes*.............................         9.88        14.67        13.62        12.72
          Ready-to-eat and cooked cereals*..................        73.49        90.13        88.39        84.00
          Rice*.............................................         7.98        14.49        12.67        11.71
          Pasta, cornmeal and other cereal products*........        14.97        23.11        22.27        20.12
        Bakery products*....................................       205.88       264.80       274.00       248.23
          Bread*............................................        65.72        76.98        77.58        73.43
            White bread*....................................        35.48        38.93        38.04        37.48
            Bread, other than white*........................        30.24        38.04        39.54        35.94
          Crackers and cookies*.............................        51.76        65.09        67.10        61.32
            Cookies*........................................        32.19        41.15        40.75        38.03
            Crackers*.......................................        19.57        23.94        26.34        23.28
          Frozen and refrigerated bakery products*..........        13.55        19.33        21.06        17.98
          Other bakery products*............................        74.84       103.40       108.27        95.50
            Biscuits and rolls*.............................        26.62        34.12        35.55        32.10

[[Page 61347]]
                                                                                                                
            Cakes and cupcakes*.............................        20.31        29.49        31.67        27.16
            Bread and cracker products*.....................         2.82         4.14         4.70         3.89
            Sweetrolls, coffee cakes, doughnuts*............        19.60        24.05        24.93        22.86
            Pies, tarts, turnovers*.........................         5.48        11.61        11.41         9.50
      Meats, poultry, fish, and eggs*.......................       560.01       725.06       687.17       657.41
        Beef*...............................................       183.66       238.59       210.36       210.87
          Ground beef*......................................        79.09        89.66        87.67        85.47
          Roast*............................................        33.40        42.62        37.74        37.92
            Chuck roast*....................................        13.23        16.81        13.48        14.51
            Round roast*....................................         9.13        12.63        12.96        11.57
            Other roast*....................................        11.04        13.18        11.30        11.84
          Steak*............................................        59.01        87.83        69.00        71.95
            Round steak*....................................        11.62        16.56        14.63        14.27
            Sirloin steak*..................................        12.96        23.58        17.72        18.09
            Other steak*....................................        34.42        47.68        36.65        39.58
          Other beef*.......................................        12.17        18.47        15.95        15.53
        Pork*...............................................       114.19       146.62       155.56       138.79
          Bacon*............................................        20.23        21.28        20.47        20.66
          Pork chops*.......................................        27.10        35.26        34.88        32.41
          Ham*..............................................        27.43        38.92        42.73        36.36
            Ham, not canned*................................        24.47        35.84        38.98        33.10
            Canned ham*.....................................         2.96         3.08         3.75         3.26
          Sausage*..........................................        16.60        21.01        23.29        20.30
          Other pork*.......................................        22.83        30.15        34.19        29.06
        Other meats*........................................        83.61       102.91        94.58        93.70
          Frankfurters*.....................................        17.37        23.87        21.19        20.81
          Lunch meats (cold cuts)*..........................        58.88        70.13        63.56        64.19
            Bologna, liverwurst, salami*....................        19.11        23.75        22.91        21.92
            Other lunchmeats*...............................        39.78        46.39        40.65        42.27
          Lamb, organ meats and others*.....................         7.36         8.91         9.84         8.70
            Lamb and organ meats*...........................         6.17         7.89         8.74         7.60
            Mutton, goat and game*..........................         1.19         1.02         1.10         1.10
        Poultry*............................................        85.49       123.67       123.39       110.85
          Fresh and frozen chickens*........................        66.41        92.17        91.28        83.29
            Fresh whole chicken*............................        17.24        24.27        19.61        20.37
            Fresh and frozen chicken parts*.................        49.17        67.90        71.67        62.91
          Other poultry, incl. whole frozen chickens*.......        19.08        31.50        32.10        27.56
        Fish and seafood*...................................        65.24        81.51        74.99        73.91
          Canned fish and seafood*..........................        17.95        18.40        17.46        17.94
          Fresh and frozen shellfish*.......................        14.98        25.27        21.36        20.54
          Fresh and frozen finfish*.........................        32.31        37.83        36.17        35.44
        Eggs*...............................................        27.83        31.77        28.30        29.30
      Dairy products*.......................................       277.91       306.57       307.10       297.19
        Fresh milk and cream*...............................       134.41       134.72       136.59       135.24
          Whole milk*.......................................        52.12        49.88        47.69        49.90
          Other milk and cream*.............................        82.29        84.84        88.90        85.34
        Other dairy products*...............................       143.50       171.85       170.52       161.96
          Butter*...........................................         8.89        10.62         9.71         9.74
          Cheese*...........................................        79.01        90.15        87.72        85.63
          Ice cream and related products*...................        41.68        50.47        51.93        48.03
          Miscellaneous dairy products*.....................        13.93        20.61        21.16        18.57
      Fruits and vegetables*................................       376.38       437.70       435.20       416.43
        Fresh fruits*.......................................       120.98       132.65       129.17       127.60
          Apples*...........................................        21.57        26.69        26.64        24.97
          Bananas*..........................................        20.65        27.62        26.48        24.92
          Oranges*..........................................        10.98        12.28        13.23        12.16
          Other fresh fruits*...............................        67.78        66.06        62.82        65.55
        Fresh vegetables*...................................       110.67       131.09       127.84       123.20
          Potatoes*.........................................        16.61        25.25        24.56        22.14
          Lettuce*..........................................        13.73        15.51        16.33        15.19
          Tomatoes*.........................................        14.87        21.64        19.85        18.79
          Other fresh vegetables*...........................        65.47        68.69        67.10        67.09
        Processed fruits*...................................        86.81        99.35       102.67        96.28
          Frozen fruits and fruit juices*...................        19.59        22.09        21.35        21.01
            Frozen orange juice*............................        14.43        14.09        13.34        13.95
            Other frozen fruits and juices*.................         5.16         7.99         8.01         7.05
          Canned and dried fruits*..........................        21.22        24.23        23.48        22.98
          Fresh, canned or bottled fruit juices*............        46.00        53.03        57.83        52.29
        Processed vegetables*...............................        57.92        74.61        75.53        69.35

[[Page 61348]]
                                                                                                                
          Frozen vegetables*................................        21.30        26.45        25.46        24.40
          Canned and dried vegetables and juices*...........        36.62        48.16        50.07        44.95
            Canned beans*...................................         6.64         9.26        10.09         8.66
            Canned corn*....................................         4.21         6.29         7.40         5.97
            Other canned and dried veg. and juices*.........        25.77        32.61        32.59        30.32
      Other food at home*...................................       645.61       841.75       836.73       774.70
        Sugar and other sweets*.............................        80.66       104.62       106.24        97.17
          Candy and chewing gum*............................        45.41        59.10        62.86        55.79
          Sugar*............................................        17.07        20.80        18.12        18.66
          Artificial sweeteners*............................         2.36         3.23         3.24         2.94
          Jams, preserves, other sweets*....................        15.82        21.48        22.02        19.77
        Fats and oils*......................................        56.65        73.12        73.79        67.85
          Margarine*........................................        11.96        14.31        14.56        13.61
          Other fats, oils, and salad dressing*.............        31.66        39.96        40.94        37.52
          Nondairy cream and imitation milk*................         4.49         6.56         6.75         5.93
          Peanut butter*....................................         8.54        12.30        11.53        10.79
        Miscellaneous foods*................................       272.98       387.81       393.26       351.35
          Frozen prepared foods*............................        46.13        71.21        73.99        63.78
            Frozen meals*...................................        16.75        25.00        22.99        21.58
            Other frozen prepared foods*....................        29.39        46.21        51.01        42.20
          Canned and packaged soups*........................        21.41        26.23        25.44        24.36
          Potato chips, nuts, and other snacks*.............        59.78        78.66        78.63        72.36
            Potato chips and other snacks*..................        46.79        62.03        62.34        57.05
            Nuts*...........................................        12.99        16.63        16.29        15.30
          Condiments and seasonings*........................        61.52        87.93        90.44        79.96
            Salt, spices, other seasonings*.................        12.31        19.15        20.79        17.42
            Olives, pickles, relishes*......................         7.62        11.05        10.82         9.83
            Sauces and gravies*.............................        31.62        42.03        43.55        39.07
            Baking needs and misc. products.................         9.97        15.71        15.29        13.66
          Other canned and packaged prepared foods*.........        84.14       123.78       124.75       110.89
            Salads and desserts*............................        13.23        17.87        20.42        17.17
            Baby food*......................................        16.25        23.56        24.11        21.31
            Miscellaneous prepared foods*...................        54.66        82.35        80.22        72.41
        Nonalcoholic beverages*.............................       204.37       233.06       219.33       218.92
          Cola*.............................................        92.19        92.26        86.71        90.39
          Other carbonated drinks*..........................        32.62        39.32        40.41        37.45
          Coffee*...........................................        40.93        42.59        40.13        41.22
            Roasted coffee*.................................        25.27        23.35        24.56        25.06
            Instant and freeze dried coffee*................        15.66        17.24        15.57        16.16
          Noncarbonated fruit flavored drinks*..............        16.30        25.74        20.15        20.73
          Tea*..............................................        11.18        14.66        14.26        13.37
          Nonalcoholic beer*................................           NA           NA           NA           NA
          Other nonalcoholic beverages*.....................        11.15        18.51        17.68        15.78
        Food prepared by consumer unit on out-of-town trips.        30.94        43.13        44.12        39.40
    Food away from home.....................................     1,627.45     1,641.99     1,674.21     1,647.88
      Meals at restaurants, carry-outs and other*...........     1,275.77     1,300.05     1,344.40     1,306.74
        Lunch*..............................................       499.88       463.89       476.89       480.22
        Dinner*.............................................       549.30       601.50       619.67       590.16
        Snacks and nonalcoholic beverages*..................       142.56       133.59       141.35       139.17
        Breakfast and brunch*...............................        84.04       101.08       106.49        97.20
      Board (including at school)...........................        43.62        43.00        46.92        44.51
      Catered affairs.......................................        41.27        46.07        40.77        42.70
      Food on out-of-town trips.............................       195.31       178.84       167.14       180.43
      School lunches........................................        42.24        46.89        47.40        45.51
      Meals as pay..........................................        29.24        27.13        27.58        27.98
    Alcoholic beverages.....................................       281.70       313.94       321.12       305.59
      At home*..............................................       148.36       166.77       177.01       164.05
        Beer and ale*.......................................        89.05        87.98        99.54        92.19
        Whiskey*............................................        12.73        17.07        14.23        14.68
        Wine*...............................................        32.15        45.33        43.11        40.20
        Other alcoholic beverages*..........................        14.43        16.38        20.13        16.98
      Away from home........................................       133.34       147.17       144.11       141.54
        Beer and ale*.......................................        37.50        46.76        48.77        44.34
        Wine*...............................................        18.54        25.57        22.95        22.35
        Other alcoholic beverages*..........................        58.12        46.66        47.06        50.61
        Alcoholic beverages purchased on trips..............        19.17        28.19        25.34        24.23
  Housing...................................................     8,069.13     9,325.13     9,528.41     8,974.22
    Shelter.................................................     4,470.25     5,208.28     5,431.78     5,036.77
      Owned dwellings.......................................     2,554.04     3,279.50     3,307.24     3,046.93

[[Page 61349]]
                                                                                                                
        Mortgage interest and charges.......................     1,560.48     1,951.95     1,984.40     1,832.28
          Mortgage interest.................................     1,560.38     1,880.31     1,856.78     1,765.82
          Interest paid, home equity loan...................           NA        33.34        63.99        48.67
          Interest paid, home equity line of credit.........           NA        37.94        63.32        50.63
          Prepayment penalty charges........................         0.10         0.36         0.31         0.26
        Property taxes......................................       496.08       767.69       760.97       674.91
        Maintenance, repairs, insurance, and other expenses.       497.48       559.86       561.86       539.73
          Homeowners and related insurance..................       151.74       164.20       176.37       164.10
            Fire and extended coverage......................         4.98         3.84         5.02         4.61
            Homeowners insurance............................       146.76       160.36       171.35       159.49
          Ground rent.......................................        26.88        33.78        33.40        31.35
          Maintenance and repair services...................       252.68       278.55       268.09       266.44
            Painting and papering...........................        52.01        39.24        37.27        42.84
            Plumbing an water heating.......................        23.06        31.48        34.02        29.52
            Heat, a/c, electrical work......................        42.03        45.96        53.14        47.04
            Roofing and gutters.............................        46.96        54.11        40.98        47.35
            Other repair and maintenance services...........        78.78        99.93        91.16        89.96
            Repair and replacement of hard surface flooring.         8.14         6.47        10.16         8.26
            Repair of built-in appliances...................         1.68         1.36         1.36         1.47
          Maintenance and repair commodities................        65.41        69.18        63.89        66.16
            Paints, wallpaper and supplies..................        17.47        16.27        16.50        16.75
            Tools and equipment for painting and                                                                
             wallpapering...................................         1.88         1.75         1.77         1.80
            Plumbing supplies and equipment.................         5.65         7.65         5.96         6.42
            Electrical supplies, heating and cooling                                                            
             equipment......................................         3.76         3.44         7.13         4.78
            Materials for hard surface flooring, repair and                                                     
             replac.........................................         1.85         2.17         3.13         2.38
            Materials and equipment for roof and gutters....         5.18         6.61         6.20         6.00
            Materials for plaster., panel., siding, wind.,                                                      
             doors, screens, awn............................        11.08        10.86         7.29         9.74
            Materials for patio, walk, fence, drive.,                                                           
             mason., brick, stucco work.....................         2.12         0.55         0.67         1.11
            Materials for landscaping maintenance...........         2.52         1.77         1.15         1.81
            Miscellaneous supplies and equipment............        13.89        18.11        14.08        15.36
              Material for insulation, other maint., and                                                        
               repair.......................................         7.87        12.55         7.84         9.42
              Materials to finish base., remodel rooms or                                                       
               build patios, walks, etc.....................         6.02         5.56         6.24         5.94
          Property management and security..................         0.74        13.44        20.12        11.43
            Property management.............................         0.64         8.61        13.24         7.50
            Management and upkeep services for security.....         0.10         4.84         6.88         3.94
          Parking...........................................         0.04         0.70           NA         0.37
      Rented dwellings......................................     1,469.41     1,609.43     1,787.19     1,622.01
        Rent................................................     1,428.30     1,538.23     1,714.30     1,560.28
        Rent as pay.........................................        17.34        44.87        37.09        33.10
        Maintenance, insurance and other expenses...........        23.76        26.33        35.80        28.63
          Tenant's insurance................................         8.68         9.76         9.16         9.20
          Maintenance and repair services...................         9.01         9.96        11.88        10.28
            Repair or maintenance service...................         8.62         9.49        11.52         9.88
            Repair and replacement of hard surface flooring.         0.36         0.38         0.29         0.34
            Repair of built-in appliances...................         0.03         0.08         0.07         0.06
          Maintenance and repair commodities................         6.07         6.61        14.76         9.15
            Paint, wallpaper, and supplies..................         1.19         2.07         1.70         1.65
            Tools and equipment for painting and                                                                
             wallpapering...................................         0.13         0.22         0.18         0.18
            Materials for plastering, panels, roofing,                                                          
             gutters, etc...................................         0.68         0.43         2.86         1.32
            Materials for patio, walk, fence, drive,                                                            
             masonry, brick and stucco work.................         0.02         0.02         0.04         0.03
            Plumbing supplies and equipment.................         0.38         0.25         0.55         0.39
            Electrical supplies, heating and cooling                                                            
             equipment......................................         0.92         0.34         0.26         0.51
            Miscellaneous supplies and equipment............         1.84         2.17         7.71         3.91
              Material for insulation, other maintenance and                                                    
               repair.......................................         0.58         0.82         1.51         0.97
              Termite and pest control (capital improvement)         0.00           NA           NA         0.00
              Materials for additions, finishing base.,                                                         
               remodeling rooms.............................         1.08         1.34         5.90         2.77
              Construction materials for jobs not started...         0.18         0.01         0.30         0.16
            Material for hard surface flooring..............         0.14         0.59         0.90         0.54
            Material for landscape maintenance..............         0.76         0.53         0.55         0.61
      Other lodging.........................................       446.79       319.35       337.35       367.83
        Owned vacation homes................................        78.26        92.13       115.29        95.23
          Mortgage interest and charges.....................           NA        39.20        54.55        46.88
            Mortgage interest...............................        48.65        38.93        50.60        46.06
            Interest paid, home equity loan.................           NA         0.02         1.06         0.54
            Interest paid, home equity line of credit.......           NA         0.26         2.88         1.57
            Prepayment penalty charge.......................         0.00           NA           NA         0.00
          Property taxes....................................        16.90        37.77        42.04        32.24
          Maintenance, insurance, and other expenses........        12.71        15.17        18.70        15.53
            Homeowners and related insurance................         3.07         3.79         4.10         3.65

[[Page 61350]]
                                                                                                                
              Homeowners insurance..........................         3.04         3.65         3.86         3.52
              Fire and extended coverage....................         0.03         0.14         0.24         0.14
            Ground rent.....................................         3.33         2.32         1.75         2.47
            Maintenance and repair services.................         5.52         5.25         7.53         6.10
              Repair and remodeling services................         5.52         5.14         7.39         6.02
              Repair and replacement of hard surface                                                            
               flooring.....................................         0.00         0.11         0.15         0.09
            Maintenance and repair commodities..............         0.39         0.53         1.97         0.96
              Paints, wallpaper, supplies...................         0.08         0.15         1.31         0.51
              Tools and equipment for painting and                                                              
               wallpapering.................................         0.01         0.02         0.14         0.06
              Materials for plaster., panel., roof.,                                                            
               gutters, downspouts, sid., wind., door,......         0.05         0.05         0.07         0.06
              Material for patio, walk, fence, drive,                                                           
               masonry, brick, stucco.......................         0.00         0.00         0.01         0.00
              Plumbing supplies and equipment...............         0.02         0.05         0.32         0.13
              Electrical supplies, heating and cooling                                                          
               equipment....................................         0.01         0.09         0.03         0.04
              Miscellaneous supplies and equipment..........         0.01         0.12         0.09         0.07
                Material for insulation, other maintenance                                                      
                 and repair.................................         0.01         0.04         0.09         0.05
                Material for finishing basements and                                                            
                 remodeling rooms...........................         0.00         0.08           NA         0.04
              Materials for hard surface flooring...........         0.20           NA           NA         0.20
              Materials for landscaping maintenance.........         0.00         0.06           NA         0.03
            Property management and security................         0.40         3.19         3.35         2.31
              Property management...........................         0.40         1.96         2.25         1.54
              Management and upkeep services for security...         0.00         1.23         1.10         0.78
            Parking.........................................         0.00         0.09           NA         0.05
      Housing while attending school........................        35.48        59.66        54.71        49.95
      Lodging on out-of-town trips..........................       178.58       167.56       167.34       171.16
  Utilities, fuels, and public services.....................     1,726.29     1,961.13     1,962.49     1,883.30
    Natural gas.............................................       232.22       240.89       246.97       240.03
      Utility-natural gas (renter)..........................        50.85        50.96        55.98        52.60
      Utility-natural gas (owned home)......................       180.07       189.11       189.86       186.35
      Utility-natural gas (owned vacation)..................         1.22         0.82         1.07         1.04
      Utility-natural gas (rented vacation).................         0.08           NA         0.06         0.07
    Electricity.............................................       700.08       791.57       770.65       754.10
      Electricity (renter)..................................       169.94       189.36       201.59       186.96
      Electricity (owned home)..............................       524.87       595.84       562.26       560.99
      Electricity (owned vacation)..........................         5.03         6.00         6.59         5.87
      Electricity (rented vacation).........................         0.25         0.37         0.20         0.27
    Fuel oil and other fuels................................        94.02       103.30        93.93        97.08
      Fuel oil..............................................        55.60        62.83        55.61        58.01
        Fuel oil (renter)...................................         5.21         5.61         7.00         5.94
        Fuel oil (owned home)...............................        49.96        56.67        48.25        51.63
        Fuel oil (owned vacation)...........................         0.38         0.51         0.36         0.42
        Fuel oil (rented vacation)..........................         0.06         0.04           NA         0.05
      Coal..................................................         3.50         4.66         2.50         3.55
        Coal (renter).......................................         0.55         0.26         0.05         0.29
        Coal (owned home)...................................         2.95         4.38         2.44         3.26
        Coal (owned vacation)...............................         0.00         0.02         0.02         0.01
        Coal (rented vacation)..............................         0.00           NA           NA         0.00
      Bottled gas...........................................        24.48        27.47        27.18        26.38
        Gas, btld/tank (renter).............................         3.78         4.19         4.79         4.25
        Gas, btld/tank (owned home).........................        18.58        21.14        20.75        20.16
        Gas, btld/tank (owned vacation).....................         2.12         2.11         1.64         1.96
        Gas, btld/tank (rented vacation)....................         0.00         0.02           NA         0.01
      Wood and other fuels..................................        10.43         8.35         8.64         9.14
        Wood/other fuels (renter)...........................         1.31         1.37         1.59         1.42
        Wood/other fuels (owned home).......................         9.05         6.92         6.71         7.56
        Wood/other fuels (owned vacation)...................         0.06         0.05         0.34         0.15
        Wood/other fuels (rented vacation)..................         0.00           NA           NA         0.00
      Telephone services....................................       528.79       608.50       619.87       585.72
        Telephone (old).....................................           NA        48.22         0.00        24.11
        Telephone services in home city, excluding mobile                                                       
         car phones.........................................           NA       560.28       619.87       590.08
        Telephone services for mobile car phones............           NA           NA           NA           NA
      Water and other public services.......................       171.19       216.87       231.08       206.38
        Water and sewerage maintenance......................       131.02       159.33       160.22       150.19
          Water/sewer maint. (renter).......................        18.53        22.04        24.38        21.65
          Water/sewer maint. (owned home)...................       111.57       136.19       133.69       127.15
          Water/sewer maint. (owned vacation)...............         0.83         1.09         2.10         1.34
          Water/sewer maint. (rented vacation)..............         0.09         0.01         0.05         0.05
        Trash and garbage collection........................        38.67        55.90        69.38        54.65
          Trash/garb. coll. (renter)........................         5.28         7.26         7.37         6.64

[[Page 61351]]
                                                                                                                
          Trash/garb. coll. (owned home)....................        33.31        47.64        59.92        46.96
          Trash/garb. coll. (owned vacation)................         0.08         1.00         2.09         1.06
          Trash/garb. coll. (rented vacation)...............         0.00           NA         0.01         0.01
        Septic tank cleaning................................         1.50         1.65         1.47         1.54
          Septic tank clean. (renter).......................         0.01         0.07         0.11         0.06
          Septic tank clean. (owned home)...................         1.48         1.57         1.29         1.45
          Septic tank clean. (owned vacation)...............         0.00         0.01         0.07         0.03
          Septic tank clean. (rented vacation)..............         0.00           NA           NA         0.00
      Household operations..................................       387.45       451.97       487.20       442.21
        Personal services...................................       176.53       224.86       253.05       218.15
          Babysitting.......................................        74.62        83.78        85.92        81.44
          Care for elderly, invalids, handicapped, etc......        11.66        26.56        43.92        27.38
          Day-care centers, nursery, and preschools.........        90.25       114.51       123.21       109.32
        Other household expenses............................       210.92       227.11       234.15       224.06
          Housekeeping services.............................        67.76        77.46        71.70        72.31
          Gardening, lawn care service......................        49.60        60.85        64.99        58.48
          Water softening service...........................         2.81         2.72         3.28         2.94
          Household laundry, dry cleaning, sent out                                                             
           (nonclothing) not coin operated..................         1.63         2.21         2.32         2.05
          Coin-operated household laundry and dry cleaning                                                      
           (nonclothing)....................................         4.78         4.91         5.58         5.09
          Other home services...............................        17.86        16.79        18.38        17.68
          Termite/pest control products.....................         0.20         0.22         0.29         0.24
          Moving, storage, freight express..................        26.46        22.73        24.37        24.52
          Appliance repair, including service center........        16.44        16.96        15.88        16.43
          Reupholstering, furniture repair..................        13.85        11.51        18.56        14.64
          Repair/rental of lawn/garden equip., hand/power                                                       
           tools, other house. equip........................         5.92         5.78         3.74         5.15
          Appliance rental..................................         2.08         1.28         1.86         1.74
          Rental of office equipment for nonbusiness use....         0.17         0.17         0.13         0.16
          Repair of miscellaneous household equipment and                                                       
           furnishings*.....................................         0.48         2.34         1.89         1.57
          Repair of computer systems for nonbusiness use....         0.88         1.19         1.19         1.09
          Rental/installation of dishwashers, range hoods,                                                      
           and garbage disposals............................         0.00           NA           NA         0.00
        Housekeeping supplies*..............................       382.82       451.34       462.61       432.26
          Laundry and cleaning supplies*....................       106.44       123.66       123.97       118.02
          Soaps and detergents*.............................        62.10        73.49        70.41        68.67
          Other laundry cleaning products*..................        44.33        50.17        53.56        49.35
        Other household products*...........................       157.48       197.81       211.79       189.03
          Cleansing and toilet tissue, paper towels and                                                         
           napkins*.........................................        52.12        62.60        60.52        58.41
          Miscellaneous household products*.................        67.89        91.22        94.75        84.62
          Lawn and garden supplies*.........................        37.47        44.00        56.52        46.00
        Postage and stationery*.............................       118.90       129.87       126.85       125.20
          Stationery, stationery supplies, giftwraps*.......        54.40        66.09        62.59        61.03
          Postage*..........................................        64.49        63.78        64.26        64.18
        Household furnishings and equipment.................     1,102.32     1,252.41     1,184.33     1,179.69
          Household textiles................................        97.11       107.35        94.56        99.67
            Bathroom linens*................................        13.69        24.61        15.62        17.97
            Bedroom linens*.................................        38.11        39.34        43.17        40.21
            Kitchen and dining room linens*.................         5.74         4.76         7.84         6.11
            Curtains and draperies..........................        26.56        18.09        19.11        21.25
            Silpcovers, decorative pillows..................         1.64         1.36         1.42         1.47
            Sewing material for slipcovers, curtains, other                                                     
             sewing mater, for the home*....................        10.32        18.17         6.54        11.68
            Other linens....................................         1.05         1.04         0.86         0.98
          Furniture.........................................       319.44       297.24       316.15       310.94
            Mattress and springs............................        41.86        35.82        38.97        38.88
            Other bedroom furniture.........................        39.75        46.24        57.57        47.85
            Sofas...........................................        65.44        65.48        70.67        67.20
            Living room chairs..............................        35.91        34.99        30.70        33.87
            Living room tables..............................        20.16        14.24        17.63        17.34
            Kitchen, dining room furniture..................        58.64        46.11        42.37        49.04
            Infants' furniture..............................         7.01         7.58         6.74         7.11
            Outdoor furniture...............................        12.57        13.59        11.02        12.39
            Occasional furniture............................        38.12        33.18        40.48        37.26
          Floor coverings...................................        70.23       128.97        61.08        86.76
            Wall-to-wall carpeting (renter).................         2.41         2.02         2.57         2.33
              Wall-to-wall carpet, installed (renter).......         1.73         1.56         2.05         1.78
              Wall-to-wall carpet, not installed carpet                                                         
               squares (renter).............................         0.68         0.46         0.52         0.55
            Wall-to-wall carpet (replacement) (owned home)..        42.57        34.99        29.06        35.54
              Wall-to-wall carpet, not installed (replace.),                                                    
               carp. squar. (owned home)....................         3.04         2.91         1.89         2.61
              Wall-to-wall carpet, installed (replacement)                                                      
               (owned home).................................        39.53        32.08        27.17        32.93
            Room size rugs and other floor covering,                                                            
             nonpermanent*..................................        25.25        91.96        29.45       48.89 

[[Page 61352]]
                                                                                                                
          Major appliances..................................       172.90       131.98       144.89       149.92
            Dishwashers (built-in), garbage disposals, range                                                    
             hoods, (renter)................................         0.24         0.98         0.16         0.46
            Dishwashers (built-in), garbage disposals, range                                                    
             hoods, (owned home)............................        10.05         9.54         7.21         8.93
            Refrigerators, freezers (renter)................        11.18         7.51         8.38         9.02
            Refrigerators, freezers (owned home)............        39.29        25.85        33.30        32.81
            Washing machines (renter).......................         6.56         4.28         6.28         5.71
            Washing machines (owned home)...................        17.96        17.22        15.85        17.01
            Clothes dryers (renter).........................         4.18         2.34         3.35         3.29
            Clothes dryers (owned home).....................        10.35         7.05         9.78         9.06
            Cooking stoves, ovens (renter)..................         2.87         2.18         3.11         2.72
            Cooking stoves, ovens (owned home)..............        19.55        13.20        14.81        15.85
            Microwave ovens (renter)........................         4.47         2.09         3.09         3.22
            Microwave ovens (owned home)....................         9.81         4.85         4.74         6.47
            Portable dishwasher (renter)....................         0.31         0.14         0.11         0.19
            Portable dishwasher (owned home)................         1.33         0.24         1.15         0.91
            Window air conditioners (renter)................         2.43         1.12         1.18         1.58
            Window air conditioners (owned home)............         8.23         7.61         3.31         6.38
            Electric floor cleaning equipment...............        14.62        15.03        13.63        14.43
            Sewing machines.................................         6.08         5.19         5.15         5.47
            Miscellaneous household appliances*.............         3.39         5.56        10.29         6.41
          Small appliances, miscellaneous housewares........        60.51        83.38        86.46        76.78
            Housewares......................................        39.14        57.82        62.47        53.14
              Plastic dinnerware............................         1.83         1.79         1.61         1.74
              China and other dinnerware....................        10.31        11.56        11.60        11.16
              Flatware......................................         3.44         4.07         3.97         3.83
              Glassware*....................................         9.79         7.08        13.59        10.15
              Silver serving pieces*........................         0.27         3.83         1.35         1.82
              Other serving pieces..........................         1.36         1.78         1.59         1.58
              Nonelectric cookware*.........................        12.14        11.67        11.66        11.82
              Tableware, nonelectric kitchenware*...........           NA        16.02        17.08        16.55
            Small appliances................................        21.37        25.56        23.99        23.64
              Small electric kitchen appliances.............        14.17        18.05        18.75        16.99
              Portable heating and cooling equipment........         7.20         7.52         5.23         6.65
          Miscellaneous household equipment.................       382.11       503.48       481.19       455.59
            Window coverings................................        13.72        12.79        17.37        14.63
            Infants' equipment*.............................         3.77        10.62         5.52         6.64
            Laundry and cleaning equip.*....................         8.52         9.19        10.99         9.57
            Outdoor equipment...............................         4.73         6.20         4.83         5.25
            Clocks..........................................         5.46         4.45         3.38         4.43
            Lamps and lighting fixtures*....................        28.40        22.80        26.10        25.77
            Other household decorative items*...............        80.30       107.69       111.16        99.72
            Telephones and accessories*.....................         7.25        62.21        20.55        30.00
            Lawn and garden equipment.......................        49.12        39.58        43.15        43.95
            Power tools.....................................        14.39        13.25        16.15        14.60
            Small miscellaneous furnishings*................         3.39         5.23         1.15         3.26
            Hand tools*.....................................        13.67        11.71        14.07        13.15
            Indoor plants, fresh flowers*...................        41.42        57.80        53.49        50.90
            Closet and storage items*.......................         4.62         6.99        12.21         7.94
            Rental of furniture.............................         3.02         3.36         3.67         3.35
            Luggage.........................................         8.72         7.49         7.04         7.75
            Computers and computer hardware nonbusiness use.        39.86        63.64        63.66        55.72
            Computer software and accessories for                                                               
             nonbusiness use................................         7.36         8.69         9.48         8.51
            Telephone answering devices.....................         4.23         5.00         4.64         4.62
            Calculators.....................................         1.99         2.56         1.57         2.04
            Business equipment for home use.................         6.20         5.02         4.23         5.15
            Other hardware*.................................         6.95        11.83        13.74        10.84
            Smoke alarms (owned home).......................         0.54         0.38         0.47         0.46
            Smoke alarms (renter)...........................         0.15         0.09         0.06         0.10
            Smoke alarms (owned vacation)...................         0.00           NA           NA         0.00
            Other household appliances (owned home).........         4.25         4.63         4.40         4.43
            Other household appliances (renter).............         1.35         0.87         0.99         1.07
            Miscellaneous household equipment and parts*....        18.73        19.42        27.08        21.74
  Apparel and services......................................     1,537.27     1,801.23     1,732.90     1,690.47
    Men and boys............................................       400.67       448.88       436.86       428.80
      Men, 16 and over......................................       318.80       357.81       353.05       343.22
        Men's suits.........................................        41.20        39.20        43.98        41.46
        Men's sportcoats, tailored jackets..................        15.57        13.84        12.04        13.82
        Men's coats and jackets*............................        29.30        30.48        26.12        28.63
        Men's underwear*....................................         9.72        12.26        14.13        12.04

[[Page 61353]]
                                                                                                                
        Men's hosiery*......................................        10.34        12.60        13.73        12.22
        Men's nightwear*....................................         2.89         6.24         5.84         4.99
        Men's accessories*..................................        22.88        34.42        33.64        30.31
        Men's sweaters and vests............................        17.65        13.47        13.11        14.74
        Men's active sportswear.............................        12.10        12.15        11.96        12.07
        Men's shirts*.......................................        74.17        87.10        87.25        82.84
        Men's pants*........................................        70.76        77.09        70.18        72.68
        Men's shorts, shorts sets*..........................         8.29        13.53        16.40        12.74
        Men's uniforms......................................         3.16         5.00         3.70         3.95
        Men's costumes......................................         0.77         0.42         0.98         0.72
      Boys, 2 to 15.........................................        81.86        91.07        83.82        85.58
        Boys' coats and jackets*............................         9.48         4.36         5.73         6.52
        Boys' sweaters......................................         3.73         3.09         2.70         3.17
        Boys' shirts*.......................................        20.55        21.80        19.50        20.62
        Boys' underwear*....................................         1.55         4.96         4.89         3.80
        Boys' nightwear*....................................         2.79         2.21         2.83         2.61
        Boys' hosiery*......................................         3.99         4.97         4.26         4.41
        Boys' accessories*..................................         2.77         4.58         5.19         4.18
        Boys' suits, sportcoats, vests*.....................         3.00         0.51         2.13         1.88
        Boys' pants*........................................        24.70        24.72        19.41        22.94
        Boys' shorts, shorts sets*..........................         3.91        11.51         9.03         8.15
        Boys' uniforms, active sportwear....................         5.10         7.43         7.30         6.61
        Boys' costumes......................................         0.29         0.93         0.85         0.69
      Women and girls.......................................       608.90       724.73       703.40       679.01
        Women, 16 and over..................................       509.83       624.19       607.23       580.42
          Women's coats and jackets*........................        33.49        40.55        58.80        44.28
          Women's dresses*..................................        83.27       118.10        89.96        97.11
          Women's sportcoats, tailored jackets*.............         0.84         6.02         3.90         3.59
          Women's vests and sweaters*.......................        36.74        46.00        40.43        41.06
          Women's shirts, tops, blouses*....................        85.55       114.03       106.20       101.93
          Women's skirts*...................................        29.28        28.63        21.52        26.48
          Women's pants*....................................        66.85        69.35        79.18        71.79
          Women's shorts, shorts sets*......................        14.23        20.40        23.33        19.32
          Women's active sportswear*........................        23.13        28.54        32.91        28.19
          Women's sleepwear*................................        22.57        20.98        25.33        22.96
          Women's undergarments*............................        24.38        27.53        33.13        28.35
          Women's hosiery...................................        25.85        27.13        25.01        26.00
          Women's suits.....................................        28.04        33.54        30.71        30.76
          Women's accessories*..............................        34.46        38.59        33.98        35.68
          Women's uniforms*.................................         1.15         1.47         1.82         1.48
          Women's costumes..................................         0.00         3.34         1.01         1.45
        Girls, 2 to 15......................................        99.08       100.53        96.17        98.59
          Girls' coats and jackets..........................         7.95         6.71         7.65         7.44
          Girls' dresses, suits.............................        12.02        13.87        13.23        13.04
          Girls' shirts, blouses, sweaters*.................        30.19        23.20        22.42        25.27
          Girls' skirts and pants...........................        16.37        15.56        14.87        15.60
          Girls' shorts, shorts sets........................         6.41         8.41         9.83         8.22
          Girls' active sportswear*.........................         9.32        10.66         8.41         9.46
          Girls' underwear and sleepwear....................         5.92         6.16         6.26         6.11
          Girls' hosiery*...................................         4.88         6.09         5.05         5.34
          Girls' accessories*...............................         4.08         5.49         4.50         4.69
          Girls' uniforms...................................         1.46         2.26         1.86         1.86
          Girls' costumes...................................           NA         2.12         2.08         2.10
        Children under 2....................................        63.60        85.67        80.39        76.55
        Infant coat, jacket, snowsuit.......................         3.17         2.99         3.25         3.14
        Infant dresses, outerwear...........................        14.98        17.87        20.75        17.87
        Infant underwear*...................................        36.68        51.00        46.85        44.84
        Infant nightwear, loungewear........................         3.19         3.11         4.26         3.52
        Infant accessories..................................         3.06         5.15         5.28         4.50
        Infant hosiery......................................         0.41         0.10           NA         0.10
      Footwear*.............................................       204.13       258.04       243.05       235.07
        Men's footwear*.....................................        62.95        72.47        73.53        69.65
        Boys' footwear*.....................................        18.19        29.42        31.65        26.42
        Women's footwear*...................................       104.54       128.82       115.47       116.28
        Girls' footwear*....................................        18.46        27.33        22.41        22.73
      Other apparel products and services...................       259.97       283.91       269.19       271.02
        Material for making clothes.........................         8.12         9.10         8.58         8.60
        Sewing patterns and notions.........................         2.15         3.00         2.56         2.57
        Watches.............................................        21.65        20.45        20.47        20.86

[[Page 61354]]
                                                                                                                
        Jewelry.............................................       110.35       121.45       108.73       113.41
        Shoe repair and other shoe service..................         3.46         4.27         3.47         3.73
        Coin-operated apparel laundry and dry cleaning......        34.25        37.63        38.61        36.83
        Apparel alteration and repair.......................         6.05         6.23         6.02         6.10
        Clothing rental.....................................         4.77         4.02         3.56         4.12
        Watch and jewelry repair............................         5.72         6.94         5.54         6.07
        Apparel laundry and dry cleaning not coin operated..        62.72        69.99        70.94        67.88
        Clothing storage....................................         0.75         0.83         0.71         0.76
  Transportaiton............................................     5,140.21     5,235.41     5,232.14     5,202.59
    Vehicle purchases (net outlay)..........................     2,388.19     2,154.04     2,167.03     2,236.42
      Cars and trucks, new..................................     1,391.73     1,072.55     1,095.97     1,186.75
        New cars............................................       991.60       749.65       749.56       830.27
        New trucks..........................................       400.13       322.90       346.42       356.48
      Cars and trucks, used.................................       971.12     1,060.67     1,033.39     1,021.73
        Used cars...........................................       754.27       742.29       737.98       744.85
        Used trucks.........................................       216.85       318.39       295.42       276.89
      Other vehicles........................................        25.34        20.82        37.66        27.94
        New motorcycles.....................................         5.21         2.87        18.06         8.71
        New aircraft........................................         0.00           NA           NA         0.00
        Used motorcycles....................................        15.86        17.95         9.04        14.28
        Used aircraft.......................................         4.27           NA        10.57         7   
    Gasoline and motor oil..................................       933.90       998.10       972.68       968.23
      Gasoline..............................................       812.03       884.83       868.13       855.00
      Diesel fuel...........................................        12.01         9.23         9.86        10.37
      Gasoline on out-of-town trips.........................        96.47        91.98        82.43        90.29
      Gasohol*..............................................         0.00           NA           NA         0.00
      Motor oil.............................................        12.55        11.31        11.44        11.77
      Motor oil on out-of town trips........................         0.85         0.74         0.83         0.81
    Other vehicle expenses..................................     1,552.56     1,775.67     1,805.62     1,711.28
      Vehicle finance charges...............................       284.70       280.20       258.96       274.62
        Automobile finance charges..........................       196.25       190.05       169.13       185.14
        Truck finance charges...............................        71.94        75.90        71.72        73.19
        Motorcycle and plane finance charges................         1.67         0.50         1.93         1.37
        Other vehicle finance charges.......................        14.85        13.76        16.18        14.93
      Maintenance and repairs...............................       568.66       641.71       627.51       612.63
        Coolant, additives, brake, transmission fluids......         7.15         6.94         6.77         6.95
        Tires--purchased, replaced, installed...............        86.22        85.76        92.70        88.23
        Parts, equipment and accessories*...................        86.80       100.00        75.63        87.48
        Vehicle products*...................................         3.92         3.19         3.14         3.42
        Misc. auto repair, servicing*.......................        17.18        22.31        20.13        19.87
        Body work and painting..............................        34.71        30.35        32.21        32.42
        Clutch, transmission repair.........................        34.54        35.98        34.71        35.08
        Drive shaft and rear-end repair.....................         7.58         6.97         7.96         7.50
        Brake work..........................................        33.05        42.57        43.87        39.83
        Repair to steering or front-end.....................        11.64        12.69        15.62        13.32
        Repair to engine cooling system.....................        22.87        24.02        24.59        23.83
        Motor tune-up.......................................        40.07        46.97        46.95        44.66
        Lube, oil change, and oil filters...................        24.67        33.01        35.54        31.07
        Front-end alignment, wheel balance..................         9.30        11.64        12.40        11.11
        Shock absorber replacement..........................         6.01         9.13         8.25         7.80
        Brake adjustment....................................         4.75         6.83         5.13         5.57
        Gas tank repair, re-................................                                                    
        placement*..........................................         0.09         1.18         1.60         0.96
        Repair tires and other repair work..................        29.23        33.15        33.63        32.00
        Exhaust system repair...............................        14.55        18.36        18.29        17.07
        Electrical system repair............................        20.35        26.00        28.19        24.85
        Motor repair, replacement...........................        63.53        79.50        73.60        72.21
        Autor repair service policy.........................         8.54         5.18         6.60         6.77
      Vehicle insurance.....................................       515.06       619.68       638.83       591.19
      Vehicle rental, leases, licenses, other charges.......       184.14       234.08       280.31       232.84
        Leased and rented vehicles..........................        68.54        95.89       125.45        96.63
          Rented vehicles...................................           NA        33.77        32.93        33.35
            Auto rental.....................................        44.36        12.42         8.36        21.71
            Auto rental, out-of-town trips..................         6.78        15.41        16.16        12.78
            Truck rental....................................        12.51         2.10         2.71         5.77
            Truck rental, out-of-town trips.................         3.99         2.49         5.20         3.89
            Motorcycle rental...............................         0.00           NA           NA         0.00
            Aircraft rental.................................         0.47         0.27         0.24         0.33
            Motorcycle rental, out-of-town trips............         0.04         0.50         0.07         0.20

[[Page 61355]]
                                                                                                                
            Aircraft rental, out-of-town trips..............         0.40         0.58         0.20         0.39
          Leased vehicles...................................           NA        62.11        92.52        77.32
            Car lease payments..............................           NA        47.74        69.08        58.41
            Cash downpayment (car lease)....................           NA         2.12         8.22         5.17
            Termination fee (car lease).....................           NA         0.16         0.14         0.15
            Truck lease payments............................           NA        11.01        12.47        11.74
            Cash downpayment (truck lease)..................           NA         1.09         1.52         1.31
            Termination fee (truck lease)...................           NA           NA         1.08         1.08
          State and local registration......................        67.04        75.17        87.09        76.43
          Driver's license..................................         6.59         7.27         7.41         7.09
          Vehicle inspection................................         6.33         8.31         9.03         7.89
          Parking fees......................................        20.50        23.86        23.01        22.46
            Parking fees (old)..............................           NA         1.34         0.00         0.67
            Parking fees in home city, excluding residence..           NA        19.97        20.52        20.25
            Parking fees, out-of-town trips.................           NA         2.54         2.49         2.52
          Tolls*............................................         5.96         8.71        10.98         8.55
          Tolls on out-of-town trips........................         4.12         4.51         4.18         4.27
          Towing charges....................................         5.05         4.89         5.02         4.99
          Automobile service clubs..........................           NA         5.48         8.14         6.81
        Public transportation...............................       265.56       307.60       286.82       286.66
          Airline fares.....................................       176.01       183.39       173.89       177.76
          Intercity bus fares...............................        14.30         7.84        10.90        11.01
          Intracity mass transit fares......................        41.07        54.01        48.57        47.88
          Local trans. on out-of-town trips.................         0.54         3.34         8.74         4.21
          Taxi fares on trips...............................         4.86        17.17         5.14         9.06
          Taxi fares........................................         5.89         6.78         6.46         6.38
          Intercity train fares.............................         9.04        14.66        17.38        13.69
          Ship fares........................................        13.00        19.63        14.54        15.72
          School bus........................................         0.86         0.77         1.21         0.95
        Health care.........................................     1,282.43     1,563.01     1,653.66     1,499.70
          Health insurance..................................       473.36       652.12       727.65       617.71
            Commercial health insurance.....................       165.28       213.85       232.16       203.76
            Blue Cross, Blue Shield.........................       116.52       148.51       173.35       146.13
          Health maintenance plans (HMO's)..................        48.48        95.76        90.57        78.27
          Medicare payments.................................        78.60       101.70       111.33        97.21
          Commercial medicare supplements...................        64.48        92.29       120.24        92.34
        Medical services....................................       512.73       561.20       546.03       539.99
          Physician's services..............................       149.19       179.39       170.75       166.44
          Dental services...................................       150.89       179.38       174.32       168.20
          Eyecare services..................................        22.70        25.60        29.20        25.83
          Nursing, therapy, and misc. medical services (old)         4.21         0.44           NA         2.33
          Service by professionals other than physician.....        22.62        29.39        32.66        28.22
          Lab tests, x-rays.................................        26.78        25.91        31.35        28.01
          Hospital room.....................................        54.96        36.47        37.42        42.95
          Hospital service other than room..................        26.61        53.30        44.63        41.51
          Medical care in retirement community..............           NA           NA           NA           NA
          Care in convalescent or nursing home..............        40.86        21.05        13.48        25.13
          Repair of medical equipment*......................         0.05           NA           NA         0.05
          Other medical care services.......................        13.86         8.07        12.24        11.39
        Drugs...............................................       225.28       258.20       284.99       256.16
          Nonprescription drugs*............................        65.79        73.86        80.16        73.27
          Prescription drugs................................       159.49       184.34       204.83       182.89
        Medical supplies....................................        71.06        91.49        94.98        85.84
          Eyeglasses and contact lenses.....................        45.18        59.02        57.35        53.85
          Hearing aids*.....................................         0.00         3.50         7.13         3.54
          Topicals and dressings*...........................        14.40        21.63        24.32        20.12
          Medical equipment for general use.................         5.29         2.32         2.25         3.29
          Supportive and convalescent medical equipment.....         5.70         3.48         2.85         4.01
          Rental of medical equipment.......................         0.50         0.35         0.35         0.40
          Rental of supportive, convalescent medical                                                            
           equipment........................................           NA         1.19         0.74         0.97
        Entertainment.......................................     1,348.90     1,523.49     1,525,52     1,465.97
          Fees and admissions...............................       351.99       384.49       375.11       370.53
            Recreation expenses, out-of-town trips..........        17.85        16.61        15.32        16.59
            Club membership dues and fees (old).............        76.68        24.30           NA        50.49
            Social, recreation, civic club membership.......           NA        59.85        85.24        72.55
            Fees for participant sports.....................        46.90        69.06        61.15        59.04
            Participant sports, out-of-town trips...........        18.96        20.12        21.17        20.08
            Movie, theater, opera, ballet...................        61.08        66.54        64.92        64.18
            Movie, other admissions, out-of-town trips......        25.91        19.72        27.20        24.28

[[Page 61356]]
                                                                                                                
            Admission to sporting events....................        19.63        20.69        22.94        21.09
            Admission to sports events, out-of-town trips...        25.91        17.42         9.08        17.47
            Fees for recreational lessons...................        41.23        53.57        52.76        49.19
            Other entertainment services, out-of-town trips.        17.85        16.61        15.32        16.59
          Television, radios, sound equipment...............       422.50       476.38       493.86       464.25
            Televisions.....................................       295.95       328.75       331.31       318.67
              Community antenna or cable tv.................       137.94       180.20       188.40       168.85
              Black and white tv*...........................         2.84         1.81         3.06         2.57
              Color tv--console.............................        23.60        18.13        21.37        21.03
              Color tv--portable, table model...............        43.50        44.32        41.51        43.11
              VCRs and video disc players...................        47.70        40.40        31.41        39.84
              Video cassettes, tapes, and discs.............        13.44        17.60        18.88        16.64
              Video game hardware and software..............        14.88        15.04        16.25        15.39
              Repair of tv, radio, and sound equipment......        10.43        10.23         9.60        10.09
              Rental of televisions.........................         1.61         1.03         0.81         1.15
            Radios, sound equipment.........................       126.55       147.62       162.55       145.57
          Radios*...........................................         4.84        10.24        10.71         8.60
          Phonographs*......................................         0.53         0.60         0.87         0.67
          Tape recorders and players*.......................        10.50         5.75         5.32         7.19
          Sound components and component systems............        28.64        30.53        35.56        31.58
          Miscellaneous sound equipment.....................         0.16         0.34         1.68         0.73
          Sound equipment accessories*......................         4.29         3.22         4.28         3.93
          Compact disc, tape, record and video mail order                                                       
           clubs............................................         4.17         8.04         8.97         7.06
          Records, CDs, audio tapes, needles................        25.86        29.54        31.01        28.80
          Rental of VCR, radio, and sound equipment.........         1.59         0.70         0.79         1.03
          Musical instruments and accessories...............        20.58        16.03        20.45        19.02
          Rental and repair of musical instruments..........         2.12         2.42         2.11         2.22
          Rental of video cassettes, tapes, films, and discs        23.27        40.22        40.79        34.76
        Pets, toys, and playground equipment................       242.26       286.11       281.46       269.94
          Pets..............................................       136.31       168.99       167.12       157.47
            Pet food*.......................................        66.61        85.02        84.94        78.86
            Pet purchase, supplies, medicine*...............        25.23        23.73        24.72        24.56
            Pet services....................................        10.64        16.52        13.87        13.68
            Vet services....................................        33.84        43.72        43.58        40.38
          Toys, games, hobbies, and tricycles...............       102.96       112.46       112.38       109.27
          Playground equipment..............................         2.98         4.66         1.96         3.20
        Other entertainment supplies, equipment, and                                                            
         services...........................................       332.16       376.51       375.10       361.26
          Unmotored recreational vehicles...................        24.02        14.05        33.20        23.76
            Boat without motor and boat trailers............        18.32         3.85        14.72        12.30
            Trailer and other attachable campers............         5.70        10.20        18.48        11.46
          Motorized recreational vehicles...................       137.44       154.19       142.45       144.69
            Motorized camper coaches and other vehicles.....        38.79        75.13        77.70        63.87
            Purchase of boat with motor.....................        98.65        79.05        64.75        80.82
          Rental of recreational vehicles...................         2.33         3.71         1.90         2.65
            Rental noncamper trailer........................         0.06         0.03         0.05         0.05
            Boat and trailer rental, out-of-town trips......         0.94         2.13         0.47         1.18
            Rental of campers and other vehicles on out-of-                                                     
             town trips (old)...............................         0.58           NA           NA         0.58
            Rental of campers on out-of-town trips..........           NA         0.17         0.54         0.36
            Rental of other vehicles on out-of-town trips...           NA         1.09         0.40         0.75
            Rental of boat..................................         0.23         0.02         0.05         0.10
            Rental of campers, other r.v.'s.................         0.52         0.27         0.39         0.39
          Outboard motors...................................         1.28         1.91         2.17         1.79
          Docking and landing fees..........................         5.33         4.50         5.77         5.20
          Sports, recreation and exercise equipment.........        86.67       111.11       102.67       100.15
            Athletic gear, game tables, and exercise                                                            
             equipment......................................        34.85        45.33        45.98        42.05
            Bicycles........................................        12.28        19.23        16.46        15.99
            Camping equipment...............................         3.26         4.50         3.77         3.84
            Hunting and fishing equipment...................        15.91        20.54        16.92        17.79
            Winter sports equipment.........................         4.86         5.30         3.19         4.45
            Water and miscellaneous sport equipment.........        13.20        14.50        14.68        14.13
            Rental and repair of misc. sports equipment.....         2.31         1.70         1.68         1.90
          Photographic equipment and supplies...............        69.61        81.69        81.66        77.65
            Film............................................        19.96        21.01        20.32        20.43
            Other photographic supplies*....................         0.64         1.43         0.17         0.75
            Film processing.................................        25.21        28.58        27.09        26.96
            Repair and rental of photographic equipment.....         0.24         0.55         0.39         0.39
            Photographic equipment..........................        15.43        14.65        13.47        14.52
            Photographer fees*..............................         8.12        15.47        20.23        14.61
          Fireworks*........................................         0.51         1.08         0.63         0.74

[[Page 61357]]
                                                                                                                
          Souvenirs*........................................         0.44         0.45         1.21         0.70
          Visual goods*.....................................         0.76         1.09         0.57         0.81
          Pinball, electronic video games*..................         3.78         2.72         2.88         3.13
        Personal care products and services.................       345.68       418.96       408.21       390.95
          Personal care products............................       179.05       228.19       223.41       210.22
            Hair care products*.............................        40.57        45.03        42.44        42.68
            Nonelectric articles for the hair*..............         4.26         6.41         5.35         5.34
            Wigs and hairpieces.............................         1.07         1.77         1.23         1.36
            Oral hygiene products, articles*................        18.16        27.93        28.07        24.72
            Shaving needs*..................................         8.49        10.65         9.46         9.53
            Cosmetics, perfume, bath preparation*...........        77.63        98.28       103.29        93.07
            Deodorants, feminine hygiene, misc. personal                                                        
             care*..........................................        23.52        32.28        28.78        28.19
            Electric personal care appliances...............         5.35         5.85         4.80         5.33
          Personal care services............................       166.63       190.77       184.80       180.73
            Personal care service for females*..............        89.35       103.69        98.60        97.21
            Personal care service for males.................        77.12        86.99        86.08        83.40
            Repair of personal care appliances..............         0.16         0.09         0.12         0.12
        Reading.............................................       152.49       168.07       165.57       162.04
          Newspapers........................................        63.99        70.41        70.60        68.33
          Magazines.........................................        38.92        39.74        38.78        39.15
          Newsletters*......................................         0.04         0.27         0.67         0.33
          Books thru book clubs.............................        10.63        12.22        10.56        11.14
          Books not thru book clubs.........................        35.24        40.22        41.38        38.95
          Encyclopedia and other sets of reference books....         3.67         5.21         3.58         4.15
        Education...........................................       324.43       433.88       423.79       394.03
          College tuition...................................       176.75       230.54       237.86       215.05
          Elementary and high school tuition................        53.20        65.77        69.99        62.99
          Other schools tuition.............................        15.29        39.08        16.39        23.59
          Other school expenses including rentals...........        15.78        17.66        18.40        17.28
          School books, supplies, equipment for college.....        26.56        37.22        36.94        33.57
          School books, supplies, equipment for elementary                                                      
           high school......................................         6.23         6.41         6.89         6.51
          School books, supplies, equipment for day care,                                                       
           nursery, other...................................         2.52         3.11         3.64         3.09
          School supplies, etc.--unspecified*...............        28.10        34.10        33.67        31.96
        Tobacco products and smoking supplies...............       242.33       277.79       278.59       266.24
          Cigarettes........................................       224.61       255.97       256.67       245.75
          Other tobacco products............................        15.28        18.68        19.51        17.82
          Smoking accessories*..............................         2.44         3.14         2.41         2.66
        Miscellaneous.......................................       597.58       877.79       794.63       756.67
          Miscellaneous fees, pari-mutuel losses*...........        38.61        48.28        60.93        49.27
          Legal fees........................................       104.50        80.65        88.62        91.26
          Funeral expenses..................................        49.32        54.07        51.73        51.71
          Safe deposit box rental...........................         5.69         6.18         5.88         5.92
          Checking accounts, other bank service charges.....        25.19        25.63        26.45        25.76
          Cemetery lots, vaults, maintenance fees...........        17.66        15.42        16.64        16.57
          Accounting fees...................................        39.87        46.16        47.58        44.54
          Miscellaneous personal services*..................        23.02        32.25        41.90        32.39
          Finance charges excluding mortgage and vehicle....       203.45       253.58       227.00       228.01
          Occupational expenses.............................        90.26        99.47       109.07        99.60
          Expenses for other properties.....................           NA       207.48       110.86       159.17
          Interest paid, home equity line of credit (other                                                      
           property)........................................           NA         1.77         0.80         1.29
          Credit card memberships...........................           NA         6.86         7.17         7.02
        Cash contributions..................................       730.19     1,040.14     1,020.99       930.44
          Cash contributions to non-CU memb., incl. stud.,                                                      
           alim., and child sup.............................       179.06       277.71       240.72       232.50
          Gifts of cash, stocks and bonds to non-CU members.       149.99       219.98       249.31       206.43
          Contributions to charity..........................        69.16        97.36       105.65        90.72
          Contributions to church...........................       295.54       407.43       378.37       360.45
          Contributions to educational organizations........        17.97        21.71        31.50        23.73
          Contributions to political organizations..........         7.29         7.64         7.22         7.38
          Other contributions...............................        11.18         8.31         8.21         9.23
        Personal insurance and pensions.....................     2,532.36     3,141.56     3,083.40     2,919.11
        Life and other personal insurance...................       324.17       353.85       354.24       344.09
          Life, endowment, annuity, other personal insurance       312.04       340.55       342.74       331.78
          Other nonhealth insurance.........................        12.13        13.30        11.50        12.31
        Pensions and Social Security........................     2,208.19     2,787.71     2,729.16     2,575.02
          Deductions for government retirement..............        65.36        80.17        77.00        74.18
          Deductions for railroad retirement................         6.23         4.55         3.03         4.60
          Deductions for private pensions...................       156.10       268.34       264.82       229.75
          Non-payroll deposit to retirement plans...........       297.28       334.61       337.62       323.17

[[Page 61358]]
                                                                                                                
          Deductions for Social Security....................     1,683.21     2,100.03     2,046.70     1,943.31
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.                                                                     
Source: Bureau of Labor Statistics.                                                                             



                                    Appendix 4.--Consumer Expenditure Surveys                                   
                             [Pre-published Data for All Consumer Units Nationwide*]                            
----------------------------------------------------------------------------------------------------------------
                                                 $10,000    $15,000    $20,000    $30,000    $40,000            
                                                    to         to         to         to         to      $50,000 
                                                 $14,999    $19,000    $29,000    $39,000    $49,999    and over
----------------------------------------------------------------------------------------------------------------
Average income before taxes:                                                                                    
    1988......................................    $12,320    $17,373    $24,591    $34,375    $44,331    $74,234
    1991......................................     12,430     17,301     24,816     34,402     44,548     79,902
    1992......................................     12,437     17,420     24,560     34,439     44,442     81,602
      Average.................................     12,369     17,365     24,656     34,405     44,440     78,579
                                                                                                                
Goods and services:                                                                                             
    1988......................................   6,597.54   7,756.96   9,611.82  12,243.04  14,412.54  19,712.67
    1991......................................   7,262.65   8,319.82   9,715.90  13,134.61  14,944.06  21,598.60
    1992......................................   6,735.63   8,878.05  10,200.76  12,021.89  15,600.83  20,967.28
      Average.................................   6,865.27   8,318.28   9,842.83  12,466.51  14,985.81  20,759.52
                                                                                                                
Food at home:                                                                                                   
    1988......................................   1,809.23   1,954.49   2,174.01   2,556.74   2,906.55   3,109.86
    1991......................................   2,267.82   2,379.01   2,517.57   2,959.22   3,321.94   3,841.29
    1992......................................   2,060.61   2,473.08   2,558.40   2,785.24   3,265.99   3,799.25
      Average.................................   2,945.89   2,268.86   2,416.66   2,767.07   3,164.83   3,583.47
                                                                                                                
Food away from home:                                                                                            
    1988......................................     968.10   1,240.03   1,591.02   2,030.75   2,375.06   3,186.24
    1991......................................     945.30   1,084.27   1,316.78   1,803.69   2,316.13   3,113.47
    1992......................................     841.79   1,201.22   1,405.80   1,771.87   2,354.17   3,131.93
      Average.................................     918.40   1,175.17   1,437.87   1,868.77   2,348.45   3,143.88
                                                                                                                
Alcohol:                                                                                                        
    1988......................................     182.87     235.22     290.56     343.77     352.96     506.47
    1991......................................     140.42     248.53     270.50     389.51     404.39     563.87
    1992......................................     200.85     223.45     324.37     313.65     374.96     590.09
      Average.................................     174.71     235.73     295.14     348.98     377.44     553.48
                                                                                                                
Domestic services:                                                                                              
    1988......................................      82.78     119.28     166.06     275.08     311.41     321.27
    1991......................................     170.38     109.83     171.63     229.79     273.86     469.21
    1992......................................     151.62     129.29     147.99     222.40     398.61     559.53
      Average.................................     134.93     119.47     161.89     242.42     327.96     450.00
                                                                                                                
Furnishings & household operations:                                                                             
    1988......................................     956.43   1,145.52   1,509.87   2,010.78   2,306.76   3,895.22
    1991......................................   1,009.62   1,125.48   1,466.95   2,104.83   2,361.30   3,924.40
    1992......................................     970.65   1,370.53   1,587.26   1,932.32   2,427.52   3,651.88
      Average.................................     978.90   1,213.84   1,521.36   2,015.98   2,365.19   3,823.83
                                                                                                                
Clothing:                                                                                                       
    1988......................................     886.12   1,085.66   1,406.15   1,847.24   2,396.00   3,154.03
    1991......................................   1,093.80   1,178.28   1,325.86   1,951.82   2,186.30   3,520.50
    1992......................................     889.14   1,093.68   1,563.66   1,603.41   2,267.24   3,394.31
      Average.................................     956.35   1,119.21   1,431.89   1,800.82   2,283.18   3,356.28
                                                                                                                
Recreation:                                                                                                     
    1988......................................     895.72     969.87   1,333.46   1,695.89   2,224.56   3,435.75
    1991......................................     723.92     980.12   1,270.25   1,908.30   2,058.64   3,485.92
    1992......................................     755.24   1,146.23   1,302.99   1,726.85   2,558.20   3,374.39
      Average.................................     791.63   1,032.07   1,302.23   1,777.01   2,280.47   3,432.02
                                                                                                                
Personal Care:                                                                                                  
    1988......................................     249.04     282.21     324.70     420.30     478.79     651.43
    1991......................................     288.37     304.89     364.44     450.76     527.30     722.72
    1992......................................     229.68     340.56     376.85     405.19     528.27     702.54
      Average.................................     255.70     309.22     355.33     425.42     511.45     692.23
Tobacco:                                                                                                        
    1988......................................     221.48     250.05     262.82     292.87     249.43     270.28
    1991......................................     257.39     306.61     291.80     323.27     355.15     293.08
    1992......................................     242.99     287.66     296.57     321.75     321.76     300.33

[[Page 61359]]
                                                                                                                
      Average.................................     240.62     281.44     283.73     312.63     308.78     287.90
                                                                                                                
Professional Services:                                                                                          
    1988......................................     345.77     474.63     553.17     769.62     811.02   1,182.12
    1991......................................     365.63     602.80     720.12   1,013.42   1,139.05   1,664.14
    1992......................................     393.06     612.35     636.87     939.21   1,104.11   1,463.01
      Average.................................     368.15     563.26     636.72     907.42   1,018.06   1,436.42
                                                                                                                
Housing:                                                                                                        
    1988......................................   4,455.88   4,682.00   5,835.92   6,974.54   7,990.62  11,502.63
    1991......................................   4,700.82   5,318.86   6,091.15   7,384.48   8,488.72  12,253.50
    1992......................................   5,063.74   5,566.03   6,434.77   7,383.31   9,071.67  12,721.51
      Average.................................   4,740.15   5,188.96   6,120.61   7,247.44   8,517.00  12,159.21
                                                                                                                
Transportation:                                                                                                 
    1988......................................   3,127.01   3,840.91   5,302.92   6,704.50   7,779.21   9,714.71
    1991......................................   3,130.14   3,362.28   4,700.00   5,872.44   7,226.89   9,442.91
    1992......................................   2,853.92   3,398.88   4,904.01   5,824.45   7,113.95   9,664.47
      Average.................................   3,037.02   3,534.02   4,969.31   6,133.80   7,373.35   9,607.36
                                                                                                                
Private transportation:                                                                                         
    1988......................................   2,949.99   3,657.04   5,020.99   6,314.44   7,333.94   8,884.42
    1991......................................   2,952.36   3,118.89   4,434.71   5,473.96   6,809.12   8,535.49
    1992......................................   2,704.31   3,171.96   4,570.31   5,504.80   6,638.47   8,663.84
      Average.................................   2,868.89   3,315.96   4,675.34   5,764.40   6,927.18   8,694.58
                                                                                                                
Air fares and other transportation expenses:                                                                    
    1988......................................     177.02     183.87     281.93     390.06     445.27     830.29
    1991......................................     177.78     243.39     265.29     398.48     417.77     907.42
    1992......................................     149.61     226.92     334.70     319.65     475.48   1,000.63
      Average.................................     168.14     218.06     293.97     369.40     446.17     912.78
                                                                                                                
Miscellaneous:                                                                                                  
    1988......................................   2,421.18   3,159.62   3,955.36   5,414.71   7,030.39  10,544.42
    1991......................................   2,831.11   3,165.50   4,318.05   5,771.11   7,086.75  12,656.03
    1992......................................   2,530.29   3,280.40   4,349.33   5,801.25   7,754.49  12,924.24
      Average.................................   2,594.19   3,201.84   4,207.58   5,662.36   7,290.54  12,044.90
                                                                                                                
Health care:                                                                                                    
    1988......................................   1,385.50   1,299.71   1,328.49   1,367.25   1,531.77   1,568.44
    1991......................................   1,350.11   1,422.83   1,559.13   1,612.87   1,690.72   2,137.27
    1992......................................   1,409.04   1,652.24   1,647.83   1,711.96   1,953.77   2,262.82
      Average.................................   1,381.55   1,458.26   1,511.82   1,564.03   1,725.42   1,989.51
                                                                                                                
Cash contributions:                                                                                             
    1988......................................     352.83     486.72     529.28     781.16     956.30   2,102.92
    1991......................................     764.72     647.89     728.00     863.26     986.19   2,418.40
    1992......................................     509.71     515.63     688.17     834.21   1,424.12   2,515.30
      Average.................................     542.42     550.08     648.48     826.21   1,122.20   2,345.54
                                                                                                                
Personal insurance:                                                                                             
    1988......................................     682.85   1,373.19   2,097.59   3,266.30   4,542.32   6,883.06
    1991......................................     716.28   1,094.78   2,030.92   3,294.98   4,409.84   8,100.36
    1992......................................     611.54   1,112.53   2,013.33   3,255.08   4,376.60   8,146.12
      Average.................................     670.22   1,193.50   2,047.28   3,272.12   4,442.92   7,709.85
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.                                                                     
Source: Bureau of Labor Statistics.                                                                             



                     Appendix 5.--Item 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.   

[[Page 61360]]
                                                                        
                                                    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 fluid oz.),   
                                                     2%. Lowest priced  
                                                     store brand.       
    Cheddar Cheese................................  Price for 10 oz.    
                                                     package.           
                                                    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 20 oz.    
                                                     package of Nabisco 
                                                     Oreo Cookies.      
    Frozen Waffles................................  Price Kellogg's Eggo
                                                     Waffles, price 12  
                                                     waffle package.    
    Hamburger Buns................................  Price for 12 oz.    
                                                     (340 grams) 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    
                                                     Hostess chocolate  
                                                     covered 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 fluid  
                                                     oz. (makes 48 fluid
                                                     oz.) can of Minute 
                                                     Maid frozen orange 
                                                     juice concentrate. 
    Tomato Juice..................................  Price for 46 fluid  
                                                     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 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    
                                                     navel 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 fluid  
                                                     oz. can.           
                                                    1st choice: Hawaiian
                                                     Punch.             
                                                    2nd choice: HI-C    
                                                     regular.           
    Soft Drink....................................  Price for 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.             

[[Page 61361]]
                                                                        
    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 fluid  
                                                     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 grams) Swanson-
                                                     Turkey, whipped    
                                                     potatoes, peas, and
                                                     fruit compote,     
                                                     frozen dinner.     
    Jello Gelatin.................................  Price for 3 oz. box 
                                                     of Jello Gelatin   
                                                     desert.            
    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 
                                                     fluid 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 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.   
                                                     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    
                                                     digital clock and  
                                                     heating probe for  
                                                     Maytagoven Model   
                                                     #CRE9400ACL, Serial
                                                     #1000100HB, Series 
                                                     #10. Include hourly
                                                     rate, trip charge  
                                                     and parts cost.    
    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)--Sanitiz
                                                     e walls, floor,    
                                                     counter tops,      
                                                     bathtub, stool.    
                                                    Kitchen--Sanitize   
                                                     walls, floor,      
                                                     counter tops,      
                                                     cabinets,          
                                                     appliances.        
                                                    Living Room & Dining
                                                     Room--Dust, polish 
                                                     furniture and      
                                                     vaccum.            
                                                    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 fluid 
                                                     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 a  
                                                     minimum design.    
    Bath Towel....................................  Price for a 2750    
                                                     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 or English
                                                     dovetail joints and
                                                     dust plate.        

[[Page 61362]]
                                                                        
    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,
                                                     8 wash cycles, 4   
                                                     water levels, white
                                                     porcelain tub, self-
                                                     clean lint filter, 
                                                     fabric softener    
                                                     dispenser and 2    
                                                     speed combinations.
                                                    1st choice: Maytag  
                                                     Model #LAT9604.    
                                                    2nd choice: General 
                                                     Electric Model     
                                                     #WWA8600.          
                                                    3rd choice:         
                                                     Whirlpool Model    
                                                     #LLR6233B.         
    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,    
                                                     self-cleaning oven 
                                                     with two oven racks
                                                     and a porcelain    
                                                     enamel broiler pan.
                                                    1st choice: Maytag  
                                                     Model #CRE9400.    
                                                    2nd choice: General 
                                                     Electric Model     
                                                     #JBP55GS.          
                                                    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    
                                                     #ET22PKXB.         
    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 #U4671-930.  
    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 for 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.            

[[Page 61363]]
                                                                        
    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-sleve   
                                                     dress appropriate  
                                                     for school. Exclude
                                                     extra              
                                                     ornamentation. For 
                                                     girls ages 8       
                                                     through 10 (size 7-
                                                     14).               
                                                    Possible brand:     
                                                     Carter's.          
    Girl's Jeans..................................  Price of Levi's #550
                                                     jean. For girls    
                                                     ages 8 through 10  
                                                     years (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 years   
                                                     (size 7-14).       
                                                    Possible brand: 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 40 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, Johnston
                                                     and Murphy.        
    Woman's Shoes.................................  Price for woman's   
                                                     pump style shoes   
                                                     with encolsed 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  
                                                     teenage            
                                                     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 Dry...............  ``Regular service'' 
                                                     price for a woman's
                                                     cut and styled blow
                                                     dry. Include 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: Super   
                                                     Lustrous.          
                                                    2nd choice:         
                                                     Moondrops.         
    Shampoo.......................................  Price for 15 fluid  
                                                     oz. bottle of      
                                                     Revlon Flex shampoo
                                                     for normal hair.   
Recreation:                                                             
    Bowling.......................................  Price for 1 game of 
                                                     open (or 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 #VRm4120.    
                                                    2nd choice: Sony    
                                                     Model #SLV720HF.   
    Compact Disc..................................  Regular price for a 
                                                     current best-      
                                                     selling CD. Not    
                                                     sale price. Do not 
                                                     price double CD.   
                                                    Example: VS. by     
                                                     Pearl Jam, Purple  
                                                     by Stone Temple    
                                                     Pilots.            
                                                    Please record title 
                                                     in comment section.
    Compact Disc 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 #CDPC545.    
                                                    2nd choice:         
                                                     Panasonic-Technics 
                                                     Model #SLPD867.    
    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 #SM52049.    
                                                    2nd choice: Sony    
                                                     Model #KV20TS29.   
    Basic Cable Service...........................  Price for one month 
                                                     of basic cable     
                                                     channel TV. Do not 
                                                     include hookup     
                                                     charges or premium 
                                                     channels.          
    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 for 5.5 oz.   
                                                     can of cat food.   

[[Page 61364]]
                                                                        
                                                    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 teeth................  Charge for x-rays,  
                                                     exam and           
                                                     prophylaxis (light 
                                                     scaling and        
                                                     polishing) or      
                                                     ``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.............................  Price a 5.5 ounce   
                                                     plastic tube of    
                                                     latex white        
                                                     bathroom caulking. 
                                                     This is not a caulk
                                                     gun cartridge.     
                                                    Possible Brand: DAP 
                                                     Kwik Seal Tub &    
                                                     Tile.              
    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'  
                                                     x  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, Gildden.
    Pest Control..................................  Price for basic pest
                                                     control maintenance
                                                     (one visit to      
                                                     control crawling   
                                                     insects, not wood  
                                                     eating), based on  
                                                     the inside of a    
                                                     1,200 sq. ft.      
                                                     single story home. 
                                                     Price followup     
                                                     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.     

[[Page 61365]]
                                                                        
    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 community  
                                                     surveyed based on  
                                                     income level,      
                                                     secure the annual  
                                                     renewal premium for
                                                     HO-2 type coverage.
                                                     If the company does
                                                     not refer to the   
                                                     coverage as HO-2   
                                                     obtain the cost for
                                                     a comprehensive    
                                                     coverage that      
                                                     covers ``all risk  
                                                     for dwelling and   
                                                     named peril for    
                                                     contents'' with    
                                                     contents at        
                                                     replacement value. 
    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......................................  1994 Honda Civic DX 
                                                     four door sedan,   
                                                     1.5 Liter 4        
                                                     Cylinder.          
                                                    1994 Ford Taurus GL 
                                                     four door sedan,   
                                                     3.0 Liter 6        
                                                     Cylinder.          
                                                    1994 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   
                                                     valve, 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 Fluid...........  For each vehicle,   
                                                     price to change    
                                                     automatic          
                                                     transmission fluid.
                                                     Include parts and  
                                                     labor for the      
                                                     following: remove  
                                                     transmission pan,  
                                                     drain transmission 
                                                     fluid, replace     
                                                     transmission       
                                                     filter, replace    
                                                     transmission pan   
                                                     gasket, replace    
                                                     transmission fluid,
                                                     and test vehicle.  

[[Page 61366]]
                                                                        
    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 mid  
                                                     pipes, clamps,     
                                                     muffler, and tail  
                                                     pipes.             
    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/
                                                     70R15 for the Ford 
                                                     Taurus L. Price a  
                                                     P235/R15 for the   
                                                     Chevrolet S10      
                                                     Blazer in DC area. 
    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 down    
                                                     payment 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.     
                                                    Comprehensive, $100 
                                                     Deductible.        
                                                    Collision, $250     
                                                     Deductible.        
    Round-Trip Airfare............................  Price for lowest    
                                                     cost round trip    
                                                     ticket to Los      
                                                     Angeles, CA.       
                                                     Disregard          
                                                     restrictions.      
------------------------------------------------------------------------



                      Appendix 6.--Pricing Changes                      
       [Foods and Services/Miscellaneous Expenses/Housing Related]      
------------------------------------------------------------------------
          Previous                   Current               Reason       
------------------------------------------------------------------------
1. Cheddar Cheese:                                                      
    Per pound...............  10 oz. package......  New packaging.      
2. Donuts:                                                              
    12 glazed...............  10 chocolate covered  Discontinued.       
3. Appliance Repair:                                                    
    Price to replace oven     Price to replace      More comparable     
     thermostat control for    digital clock and     item.              
     Maytag Model #CRE9400.    heating probe for                        
     Include hourly rate,      Maytag Model                             
     trip charge, and parts    #CRE9400ACL, Serial                      
     cost. Part Number         #1000100HB, Series                       
     #7430P010-60.             #10. Include hourly                      
                               rate, trip charge,                       
                               and parts cost..                         
4. Washing Machine:                                                     
    3 wash cycles...........  8 wash cycles.......  Better description. 
    Maytag #LAT7793.........  Maytag #LAT9604.....  New model number.   
    General Electric          General Electric      New model Number.   
     #WWA7600R.                #WWA8600.                                
    Whirlpool #LLR6233A.....  Whirlpool #LLR6233B.  New model number.   
5. Kitchen Range:                                                       
    General Electric          General Electric      Model number        
     #JBP5565.                 #JBP55GS.             clarification.     
6. Refrigerator:                                                        
    Whirlpool #ET22RKXZ.....  Whirlpool #ET22RKXB.  New model number.   
7. Vacuum:                                                              
    Hoover #U4671-910.......  Hoover #U4671-930...  New model number.   
8. Girl's Jeans:                                                        
    Price of Levi's #902      Price of Levi's       Discontinued.       
     basic relaxed taper       #550..                                   
     jean, two back pockets                                             
     and two front pockets.                                             
9. Disposable Diapers:                                                  
    44 count................  40 count............  Product marketing   
                                                     change.            
10. Video Recorder:                                                     
    Zenith #VRL4110.........  Zenith #VRM4120.....  New model number.   
    Sony #SLV700HF..........  Sony #SLV720HF......  New model number.   
11. Compact Disc:                                                       
    ``Janet'' by Janet        ``VS.'' by Pearl Jam  Current bestselling 
     Jackson.                                        titles.            
    ``Unplugged'' by Rod      ``Purple'' by Stone                       
     Stewart.                  Temple Pilots.                           
12. Compact Disc Player:                                                
    Sony #CDPC535...........  Sony #CDPC545.......  New model number.   
    Panisonic-Technics        Panisonic-Technics    New model number.   
     #SLPD847.                 #SLPS867.                                
13. Color Television:                                                   
    Zenith #SLS2049.........  Zenith #SMS2049.....  New model number.   
14. Bathroom Caulking:                                                  

[[Page 61367]]
                                                                        
    Price an 8 ounce tube of  Price a 5.5 ounce     New Size and more   
     specific white bathroom   plastic tube of       description.       
     caulking, most popular    latex white                              
     brand.                    bathroom caulking.                       
                               (Not a caulk gun                         
                               cartridge.)                              
                               Suggested brand:                         
                               DAP KWIK SEAL Tub &                      
                               Tile.                                    
15. Interior Painting:                                                  
    Obtain labor rate, per    Flat charge for       More specific       
     hour, flat charge, if     painting standard     discription.       
     any, and estimated time   living room. If                          
     to complete the job.      flat fee                                 
                               unavailable, obtain                      
                               hourly rate and the                      
                               total hours                              
                               necessary to                             
                               complete job.                            
------------------------------------------------------------------------



Appendix 7--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 representative, 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 suggestions for reducing this burden to 
Reports and Forms Management Officer, U.S. Office of Personnel 
Management, 1900 E Street, NW., Room CHP 500, Washington, DC 20415; 
and to the Office of Management and Budget, Paperwork Reduction 
Project (3206-0199), Washington, DC 20503.

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

Interview Guidelines

    Three types of information are collected in Price surveys: Price 
of goods and services, rental rates and related information, and 
home 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 Civil 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:

Woman's Haircut and Styling.
    ``Regular service'' price for a woman's cut and style blow dry. 
Include wash, but do not include use of curling iron if there is an 
extra charge.
Unclog Drain.
    Price to unclog kitchen drain by mechanical means (snake, auger, 
etc.). Only include pipe removal of necessary to access trap.
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 your recent home sales.

[[Page 61368]]

    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-U-M

[[Page 61369]]
[GRAPHIC][TIFF OMITTED]TN29NO95.000



[[Page 61370]]
[GRAPHIC][TIFF OMITTED]TN29NO95.001



[[Page 61371]]
[GRAPHIC][TIFF OMITTED]TN29NO95.002



[[Page 61372]]
[GRAPHIC][TIFF OMITTED]TN29NO95.003



BILLING CODE 6325-01-C

[[Page 61373]]


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 suggestions for reducing this 
burden to Reports and Forms Management Officer, U.S. Office of 
Personnel Management, 1900 E Street, NW., Room CHP 500, Washington, 
DC, 20415; and to the Office of Management and Budget, Paperwork 
Reduction Project (3206-0199), Washington, DC, 20503.

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

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 and 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 location?
    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 these 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, 

[[Page 61374]]
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, other?
    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-U-M

[[Page 61375]]
[GRAPHIC][TIFF OMITTED]TN29NO95.004



BILLING CODE 6325-01-U-M

                                                                        

[[Page 61376]]
                                                  Appendix 8.--Consumption Goods and Services Analysis                                                  
                                                      [Location: Honolulu, HI; Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       138.56        26.40        36.59        23.49        32.55        20.65        28.61
 2. Food Away From Home......................................       109.22        14.42        15.75        14.73        16.09        15.04        16.42
 3. Tobacco..................................................       106.01         3.15         3.34         2.59         2.75         2.05         2.17
 4. Alcohol..................................................       109.81         2.77         3.04         2.73         3.00         2.69         2.95
 5. Furnishings and Household Operations.....................       114.96        14.71        16.91        15.79        18.15        16.85        19.37
 6. Clothing.................................................       104.13        13.97        14.55        14.65        15.25        15.30        15.94
 7. Domestic Services........................................        99.58         1.76         1.75         1.90         1.89         2.04         2.03
 8. Professional Services....................................       113.85         6.48         7.37         6.65         7.57         6.82         7.77
 9. Personal Care............................................       110.26         3.62         3.99         3.52         3.89         3.43         3.78
10. Recreation...............................................       102.47        12.72        13.04        13.94        14.29        15.14        15.51
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       116.33  ...........  ...........  ...........  ...........
      Middle:................................................  ...........  ...........  ...........  ...........       115.43  ...........  ...........
      Upper:.................................................  ...........  ...........  ...........  ...........  ...........  ...........       114.55
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                         Consumption Goods and Services Analysis                                                        
                                                        [Location: Hilo, HI; Summer 1994 Survey]                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       135.04        26.40        35.66        23.49        31.73        20.65        27.88
 2. Food Away From Home......................................       113.98        14.42        16.44        14.73        16.79        15.04        17.14
 3. Tobacco..................................................       103.76         3.15         3.27         2.59         2.69         2.05         2.13
 4. Alcohol..................................................       102.46         2.77         2.84         2.73         2.80         2.69         2.76
 5. Furnishings and Household Operations.....................       118.21        14.71        17.39        15.79        18.66        16.85        19.91
 6. Clothing.................................................        97.91        13.97        13.68        14.65        14.34        15.30        14.98
 7. Domestic Services........................................        69.62         1.76         1.22         1.90         1.32         2.04         1.42
 8. Professional Services....................................       104.03         6.48         6.74         6.65         6.92         6.82         7.10
 9. Personal Care............................................       112.19         3.62         4.06         3.52         3.95         3.43         3.85
10. Recreation...............................................       109.91        12.72        13.98        13.94        15.33        15.14        16.64
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       115.28  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       114.53  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       113.81
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                     [Location: Kailua Kona, HI; Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       133.51        26.40        35.25        23.49        31.37        20.65        27.56
 2. Food Away From Home......................................       124.38        14.42        17.94        14.73        18.32        15.04        18.70
 3. Tobacco..................................................       100.94         3.15         3.18         2.59         2.62         2.05         2.07
 4. Alcohol..................................................       112.56         2.77         3.11         2.73         3.07         2.69         3.03
 5. Furnishings and Household Operations.....................       108.09        14.71        15.90        15.79        17.07        16.85        18.21
 6. Clothing.................................................       103.52        13.97        14.46        14.65        15.16        15.30        15.84
 7. Domestic Services........................................        97.88         1.76         1.72         1.90         1.86         2.04         1.99
 8. Professional Services....................................       104.48         6.48         6.77         6.65         6.95         6.82         7.13
 9. Personal Care............................................       113.86         3.62         4.12         3.52         4.01         3.43         3.90
10. Recreation...............................................       107.02        12.72        13.62        13.94        14.92        15.14        16.20
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........        100.0  ...........
                                                              ------------------------------------------------------------------------------------------

[[Page 61377]]
                                                                                                                                                        
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       116.07  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       115.35  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       114.63
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                  Consumption Goods and Services Cost Analysis                                  
                                  [Hawaii County Composite; Summer 1994 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes            
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper   
                                                                              income       income       income  
----------------------------------------------------------------------------------------------------------------
Hilo, HI....................................................        83.17       115.28       114.53       113.81
Kailua Kona, HI.............................................        16.83       116.07       115.35       114.63
                                                             ---------------------------------------------------
    Total Weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Composite Indexes.......................................  ...........       115.41       114.67       113.95
----------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                    [Location: Kauai County, HI; Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       146.40        26.40        38.66        23.49        34.39        20.65        30.22
 2. Food Away From Home......................................       112.38        14.42        16.21        14.73        16.56        15.04        16.90
 3. Tobacco..................................................       108.60         3.15         3.42         2.59         2.81         2.05         2.22
 4. Alcohol..................................................       106.68         2.77         2.95         2.73         2.91         2.69         2.87
 5. Furnishings and Household Operations.....................       108.87        14.71        16.01        15.79        17.19        16.85        18.34
 6. Clothing.................................................       101.99        13.97        14.25        14.65        14.94        15.30        15.61
 7. Domestic Services........................................        81.30         1.76         1.43         1.90         1.54         2.04         1.66
 8. Professional Services....................................       108.00         6.48         7.00         6.65         7.18         6.82         7.37
 9. Personal Care............................................       113.98         3.62         4.13         3.52         4.02         3.43         3.91
10. Recreation...............................................       118.84        12.72        15.12        13.94        16.57        15.14        17.99
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       119.18  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       118.11  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       117.09
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                     [Location: Maui County, HI; Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       141.63        26.40        37.40        23.49        33.27        20.65        29.24
 2. Food Away From Home......................................       121.22        14.42        17.48        14.73        17.86        15.04        18.23
 3. Tobacco..................................................       107.83         3.15         3.39         2.59         2.79         2.05         2.21
 4. Alcohol..................................................       110.66         2.77         3.06         2.73         3.02         2.69         2.98
 5. Furnishings and Household Operations.....................       122.95        14.71        18.08        15.79        19.41        16.85        20.71
 6. Clothing.................................................       102.60        13.97        14.34        14.65        15.03        15.30        15.70
 7. Domestic Services........................................        80.12         1.76         1.41         1.90         1.52         2.04         1.63
 8. Professional Services....................................       108.08         6.48         7.00         6.65         7.19         6.82         7.38
 9. Personal Care............................................       119.17         3.62         4.32         3.52         4.20         3.43         4.09
10. Recreation...............................................       108.14        12.72        13.76        13.94        15.08        15.14        16.37
                                                              ------------------------------------------------------------------------------------------
 
[[Page 61378]]
                                                                                                                                                        
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       120.24  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       119.37  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       118.54
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                         Consumption Goods and Services Analysis                                                        
                                                          [Location: Guam; Summer 1994 Survey]                                                          
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       125.92        26.40        33.25        23.49        29.58        20.65        26.00
 2. Food Away From Home......................................       109.05        14.42        15.73        14.73        16.07        15.04        16.40
 3. Tobacco..................................................        72.53         3.15         2.28         2.59         1.88         2.05         1.49
 4. Alcohol..................................................       103.82         2.77         2.87         2.73         2.83         2.69         2.79
 5. Furnishings and Household Operations.....................       138.20        14.71        20.33        15.79        21.82        16.85        23.28
 6. Clothing.................................................        96.01        13.97        13.42        14.65        14.06        15.30        14.69
 7. Domestic Services........................................       118.50         1.76         2.08         1.90         2.25         2.04         2.41
 8. Professional Services....................................        95.77         6.48         6.20         6.65         6.37         6.82         6.54
 9. Personal Care............................................       121.82         3.62         4.41         3.52         4.29         3.43         4.18
10. Recreation...............................................       121.10        12.72        15.41        13.94        16.89        15.14        18.33
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       115.98  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       116.04  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       116.11
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                      [Location: Mayaguez, PR; Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       104.58        26.40        27.61        23.49        24.57        20.65        21.59
 2. Food Away From Home......................................        88.23        14.42        12.72        14.73        13.00        15.04        13.27
 3. Tobacco..................................................       107.39         3.15         3.38         2.59         2.78         2.05         2.20
 4. Alcohol..................................................       108.70         2.77         3.01         2.73         2.97         2.69         2.92
 5. Furnishing and Household Operations......................        99.71        14.71        14.66        15.79        15.74        16.85        16.80
 6. Clothing.................................................        98.09        13.97        13.71        14.65        14.37        15.30        15.01
 7. Domestic Services........................................        58.95         1.76         1.04         1.90         1.12         2.04         1.20
 8. Professional Services....................................        56.14         6.48         3.64         6.65         3.73         6.82         3.83
 9. Personal Care............................................        71.78         3.62         2.60         3.52         2.53         3.43         2.46
10. Recreation...............................................        86.69        12.72        11.03        13.94        12.09        15.14        13.12
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........        93.40  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........        92.90  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........        92.40
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                      [Location: San Juan, PR; Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       101.08        26.40        26.69        23.49        23.75        20.65       20.87 

[[Page 61379]]
                                                                                                                                                        
 2. Food Away From Home......................................       108.86        14.42        15.70        14.73        16.04        15.04        16.37
 3. Tobacco..................................................       110.75         3.15         3.49         2.59         2.87         2.05         2.27
 4. Alcohol..................................................       118.45         2.77         3.28         2.73         3.23         2.69         3.19
 5. Furnishings and Household Operations.....................       105.12        14.71        15.46        15.79        16.60        16.85        17.71
 6. Clothing.................................................       107.85        13.97        15.07        14.65        15.80        15.30        16.50
 7. Domestic Services........................................        62.32         1.76         1.10         1.90         1.18         2.04         1.27
 8. Professional Services....................................        78.84         6.48         5.11         6.65         5.24         6.82         5.38
 9. Personal Care............................................        96.36         3.62         3.49         3.52         3.40         3.43         3.30
10. Recreation...............................................       107.75        12.72        13.71        13.94        15.03        15.14        16.31
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       103.10  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       103.14  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       103.17
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                  Consumption Goods and Services Cost Analysis                                  
                                   [Puerto Rico Composite; Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes            
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper   
                                                                              income       income       income  
----------------------------------------------------------------------------------------------------------------
San Juan, PR................................................        88.90       103.10       103.14       103.17
Mayaguez, PR................................................        11.10        93.40        92.90        92.40
                                                             ---------------------------------------------------
    Total Weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Composite Indexes.......................................  ...........       102.02       102.00       101.97
----------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                      [Location: St. Croix, VI; Summer 1994 Survey]                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       121.97        26.40        32.20        23.49        28.65        20.65        25.18
 2. Food Away From Home......................................       107.78        14.42        15.54        14.73        15.88        15.04        16.21
 3. Tobacco..................................................        68.53         3.15         2.16         2.59         1.78         2.05         1.40
 4. Alcohol..................................................       100.33         2.77         2.78         2.73         2.74         2.69         2.70
 5. Furnishings & Household Operations.......................       120.56        14.71        17.73        15.79        19.03        16.85        20.31
 6. Clothing.................................................        81.43        13.97        11.38        14.65        11.93        15.30        12.46
 7. Domestic Services........................................        60.82         1.76         1.07         1.90         1.15         2.04         1.24
 8. Professional Services....................................        88.93         6.48         5.76         6.65         5.92         6.82         6.07
 9. Personal Care............................................        98.88         3.62         3.58         3.52         3.49         3.43         3.39
10. Recreation...............................................       101.11        12.72        12.86        13.94        14.10        15.14        15.31
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       105.06  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       104.67  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       104.27
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                       [Location: St. Thomas; Summer 1994 Survey]                                                       
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       117.46        26.40        31.01        23.49        27.60        20.65        24.25

[[Page 61380]]
                                                                                                                                                        
 2. Food Away From Home......................................       110.01        14.42        15.86        14.73        16.21        15.04        16.54
 3. Tobacco..................................................        60.96         3.15         1.92         2.59         1.58         2.05         1.25
 4. Alcohol..................................................       112.02         2.77         3.10         2.73         3.06         2.69         3.01
 5. Furnishings & Household Operations.......................       118.29        14.71        17.40        15.79        18.68        16.85        19.93
 6. Clothing.................................................        84.70        13.97        11.83        14.65        12.40        15.30        12.96
 7. Domestic Services........................................        81.95         1.76         1.44         1.90         1.56         2.04         1.67
 8. Professional Services....................................       118.25         6.48         7.66         6.65         7.87         6.82         8.07
 9. Personal Care............................................       113.47         3.62         4.11         3.52         4.00         3.43         3.89
10. Recreation...............................................       109.28        12.72        13.90        13.94        15.24        15.14        16.54
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       108.23  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       108.20  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       108.11
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                  Consumption Goods and Services Cost Analysis                                  
                                 [Virgin Islands Composite; Summer 1994 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes            
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper   
                                                                              income       income       income  
----------------------------------------------------------------------------------------------------------------
St. Croix, VI...............................................        45.09       105.06       104.67       104.27
St. Thomas, VI..............................................        54.91       108.23       108.20       108.11
                                                             ---------------------------------------------------
    Total Weights...........................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Composite Indexes.......................................  ...........       106.80       106.61       106.38
----------------------------------------------------------------------------------------------------------------


                                                         Consumption Goods and Services Analysis                                                        
                                                       [Location: Guam Blend*; Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................        87.95        26.40        23.22        23.49        20.66        20.65        18.16
 2. Food Away From Home......................................       109.05        14.42        15.73        14.73        16.07        15.04        16.40
 3. Tobacco..................................................        51.99         3.15         1.64         2.59         1.35         2.05         1.06
 4. Alcohol..................................................       103.82         2.77         2.87         2.73         2.83         2.69         2.79
 5. Furnishings and Household Operations.....................       120.01        14.71        17.65        15.79        18.95        16.85        20.22
 6. Clothing.................................................        89.49        13.97        12.50        14.65        13.11        15.30        13.70
 7. Domestic Services........................................       118.50         1.76         2.08         1.90         2.25         2.04         2.41
 8. Professional Services....................................        95.77         6.48         6.20         6.65         6.37         6.82         6.54
 9. Personal Care............................................       110.89         3.62         4.02         3.52         3.91         3.43         3.80
10. Recreation...............................................       110.43        12.72        14.05        13.94        15.40        15.14        16.72
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........        99.96  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........       100.90  ...........  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       101.80
--------------------------------------------------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange                                                                                                                   


                                     Appendix 9.--OPM Living Community List                                     
----------------------------------------------------------------------------------------------------------------
                                                 Low                     Middle                    High         
----------------------------------------------------------------------------------------------------------------
Washington DC DC:                                                                                               
    Homeowner........................  Southeast DC...........  Northeast DC...........  Northwest DC.*         

[[Page 61381]]
                                                                                                                
    Renter...........................  Southeast DC...........  Northeast DC...........  Northwest DC.*         
----------------------------------------------------------------------------------------------------------------
*Northwest DC excludes Georgetown, but includes Dupont Circle, Cleveland Park, and Adams Morgan.                
================================================================================================================
Washington DC MD:                                                                                               
    Homeowner........................  Capitol Heights/.......  Gaithersburg/..........  Rockville.             
                                       Suitland...............  Silver Spring..........                         
    Renter...........................  Capitol Heights/.......  Hyattsville/...........  Rockville.             
                                       Suitland...............  College Park...........                         
Washington DC VA:                                                                                               
    Homeowner........................  Woodbridge/............  Springfield............  Alexandria.            
                                       Dale City*.............    .....................                         
    Renter...........................  Woodbridge.............  Alexandria.............  Arlington.             
Honolulu:                                                                                                       
    Homeowner........................  Ewa Beach..............  Kaneohe................  Manoa/Kaimuki          
                                       Waipahu................  Pearl City.............  Kailua*.               
    Renter...........................  Pearl Harbor Area*.....  Alakea.................  Manoa.                 
                                       Kalihi.................  Kaneohe................  Aiea.                  
----------------------------------------------------------------------------------------------------------------
*Pearl Harbor Area excludes Aiea.                                                                               
================================================================================================================
Hawaii County--Hilo:                                                                                            
    Homeowner........................  Hilo...................  Hilo...................  Hilo.                  
    Renter...........................  Hilo...................  Hilo...................  Hilo.                  
Hawaii County--Kailua Kona:                                                                                     
    Homeowner........................  Kailua Kona............  Kailua Kona............  Kailua Kona.           
    Renter...........................  Kailua Kona............  Kailua Kona............  Kailua Kona.           
Kauai:                                                                                                          
    Homeowner........................  Kauai..................  Kauai..................  Kauai.                 
    Renter...........................  Kauai..................  Kauai..................  Kauai.                 
Maui:                                                                                                           
    Homeowner........................  Maui...................  Maui...................  Maui.                  
    Renter...........................  Maui...................  Maui...................  Maui.                  
Guam:                                                                                                           
    Homeowner........................  Guam...................  Guam...................  Guam.                  
    Renter...........................  Guam...................  Guam...................  Guam.                  
Puerto Rico--Mayaguez:                                                                                          
    Homeowner........................  Mayaguez...............  Mayaguez...............  Mayaguez.              
    Renter...........................  Mayaguez...............  Mayaguez...............  Mayaguez.              
Puerto Rico--San Juan:                                                                                          
    Homeowner........................  Carolina...............  Rio Piedras*...........  Guaynabo.              
                                       Bayamon................  VA Hospital Area.......  Hato Rey.              
    Renter...........................  Carolina...............  Rio Piedras............  Old San Juan.          
                                       Rio Piedras Area.......  Isla Verde**...........  Condado.               
----------------------------------------------------------------------------------------------------------------
*Rio Piedras excludes VA Hospital Area. **Isla Verde excludes the area on the Boulevard.                        
================================================================================================================
St. Croix:                                                                                                      
    Homeowner........................  St. Croix..............  St. Croix..............  St. Croix.             
    Renter...........................  St. Croix..............  St. Croix..............  St. Croix.             
St. Thomas:                                                                                                     
    Homeowner........................  St. Thomas.............  St. Thomas.............  St. Thomas.            
    Renter...........................  St. Thomas.............  St. Thomas.............  St. Thomas.            
----------------------------------------------------------------------------------------------------------------



                         Appendix 10.--Historical Home Market Values and Interest Rates                         
----------------------------------------------------------------------------------------------------------------
                                                      Interest                                                  
                 Area                      Year         rate          Income level         Market    Annual  P &
                                                     (percent)                             value          I*    
----------------------------------------------------------------------------------------------------------------
Honolulu, HI.........................         1985       10.250  Lower................       86,657        7,455
                                                                 Middle...............      110,500        9,506
                                                                 Upper................      118,220       10,170
                                              1986       10.250  Lower................       97,229        8,364
                                                                 Middle...............      134,257       11,550
                                                                 Upper................      154,513       13,292
                                              1987       10.375  Lower................      107,837        9,373
                                                                 Middle...............      158,027       13,736
                                                                 Upper................      190,786       16,583
                                              1988       11.000  Lower................      118,445       10,829
                                                                 Middle...............      181,797       16,620
                                                                 Upper................      227,059       20,758

[[Page 61382]]
                                                                                                                
                                              1989       10.500  Lower................      154,366       13,556
                                                                 Middle...............      239,426       21,025
                                                                 Upper................      263,331       23,124
                                              1990       10.250  Lower................      216,113       18,591
                                                                 Middle...............      335,197       28,836
                                                                 Upper................      379,283       32,628
                                              1991        9.125  Lower................      207,000       16,169
                                                                 Middle...............      310,700       24,268
                                                                 Upper................      370,600       28,947
                                              1992        8.125  Lower................      211,347       15,065
                                                                 Middle...............      329,693       23,500
                                                                 Upper................      363,460       25,907
                                              1993        7.125  Lower................      202,041       13,067
                                                                 Middle...............      327,715       21,196
                                                                 Upper................      374,918       24,249
                                              1994        9.333  Lower................      251,919       20,042
                                                                 Middle...............      331,695       26,389
                                                                 Upper................      394,706       31,402
Hilo, HI.............................         1985       10.250  Lower................       41,496        3,570
                                                                 Middle...............       61,798        5,316
                                                                 Upper................       89,463        7,696
                                              1986       10.250  Lower................       50,459        4,341
                                                                 Middle...............       71,995        6,193
                                                                 Upper................       97,783        8,412
                                              1987       10.375  Lower................       59,435        5,166
                                                                 Middle...............       82,183        7,143
                                                                 Upper................      106,098        9,222
                                              1988       11.000  Lower................       68,410        6,254
                                                                 Middle...............       92,371        8,445
                                                                 Upper................      114,412       10,460
                                              1989       10.500  Lower................       77,386        6,796
                                                                 Middle...............      102,559        9,006
                                                                 Upper................      122,727       10,777
                                              1990       10.250  Lower................       67,714        5,825
                                                                 Middle...............      108,821        9,361
                                                                 Upper................      164,283       14,133
                                              1991        9.125  Lower................      134,100       10,474
                                                                 Middle...............      180,700       14,114
                                                                 Upper................      204,000       15,934
                                              1992        8.125  Lower................      130,743        9,319
                                                                 Middle...............      162,903       11,612
                                                                 Upper................      197,863       14,104
                                              1993        7.125  Lower................      127,854        8,269
                                                                 Middle...............      173,095       11,195
                                                                 Upper................      202,018       13,066
                                              1994        9.333  Lower................      114,696        9,125
                                                                 Middle...............      162,500       12,928
                                                                 Upper................      196,146       15,605
Kailua Kona, HI......................         1985       10.250  Lower................       65,336        5,621
                                                                 Middle...............       92,833        7,986
                                                                 Upper................       99,504        8,560
                                              1986       10.250  Lower................       77,097        6,632
                                                                 Middle...............      107,594        9,256
                                                                 Upper................      119,902       10,315
                                              1987       10.375  Lower................       88,880        7,725
                                                                 Middle...............      122,387       10,638
                                                                 Upper................      140,297       12,194
                                              1988       11.000  Lower................      100,662        9,203
                                                                 Middle...............      137,180       12,541
                                                                 Upper................      160,692       14,691
                                              1989       10.500  Lower................      112,444        9,874
                                                                 Middle...............      151,973       13,346
                                                                 Upper................      181,087       15,902
                                              1990       10.250  Lower................      134,609       11,580
                                                                 Middle...............      189,900       16,336
                                                                 Upper................      225,100       19,364
                                              1991        9.130  Lower................      154,800       12,097
                                                                 Middle...............      204,100       15,949
                                                                 Upper................      256,700       20,059
                                              1992        8.125  Lower................      159,867       11,395
                                                                 Middle...............      222,950       15,892

[[Page 61383]]
                                                                                                                
                                                                 Upper................      261,018       18,605
                                              1993        7.125  Lower................      153,666        9,939
                                                                 Middle...............      219,245       14,180
                                                                 Upper................      261,902       16,939
                                              1994        9.333  Lower................      152,235       12,111
                                                                 Middle...............      215,826       17,171
                                                                 Upper................      224,128       17,831
Kauai County, HI.....................         1985       10.250  Lower................       55,280        4,756
                                                                 Middle...............       69,756        6,001
                                                                 Upper................       95,904        8,250
                                              1986       10.250  Lower................       68,105        5,859
                                                                 Middle...............       88,032        7,573
                                                                 Upper................      105,494        9,075
                                              1987       10.375  Lower................       78,576        6,830
                                                                 Middle...............      106,294        9,239
                                                                 Upper................      121,318       10,545
                                              1988       11.000  Lower................       91,046        8,324
                                                                 Middle...............      124,556       11,387
                                                                 Upper................      145,581       13,309
                                              1989       10.500  Lower................      103,516        9,090
                                                                 Middle...............      142,818       12,542
                                                                 Upper................      177,900       15,622
                                              1990       10.250  Lower................      177,351       15,257
                                                                 Middle...............      233,846       20,117
                                                                 Upper................      295,854       25,451
                                              1991        9.125  Lower................      174,336       13,617
                                                                 Middle...............      229,900       17,957
                                                                 Upper................      290,800       22,714
                                              1992        8.125  Lower................      171,792       12,245
                                                                 Middle...............      221,624       15,797
                                                                 Upper................      273,921       19,525
                                              1993        7.125  Lower................      171,964       11,122
                                                                 Middle...............      221,858       14,349
                                                                 Upper................      274,195       17,734
                                              1994        9.333  Lower................      163,350       12,996
                                                                 Middle...............      222,196       17,677
                                                                 Upper................      255,000       20,287
Maui County, HI......................         1985       10.250  Lower................       83,407        7,175
                                                                 Middle...............      110,670        9,520
                                                                 Upper................      139,174       11,973
                                              1986       10.250  Lower................       91,748        7,893
                                                                 Middle...............      121,737       10,473
                                                                 Upper................      153,091       13,170
                                              1987       10.375  Lower................      100,293        8,717
                                                                 Middle...............      133,911       11,639
                                                                 Upper................      168,401       14,637
                                              1988       11.000  Lower................      121,107       11,072
                                                                 Middle...............      160,693       14,691
                                                                 Upper................      202,081       18,475
                                              1989       10.500  Lower................      151,384       13,294
                                                                 Middle...............      200,866       17,639
                                                                 Upper................      252,601       22,182
                                              1990       10.250  Lower................      174,092       14,976
                                                                 Middle...............      230,996       19,872
                                                                 Upper................      290,491       24,990
                                              1991        9.125  Lower................      210,651       16,454
                                                                 Middle...............      279,500       21,831
                                                                 Upper................      351,494       27,455
                                              1992        8.125  Lower................      207,913       14,820
                                                                 Middle...............      275,925       19,668
                                                                 Upper................      346,925       24,729
                                              1993        7.125  Lower................      180,099       11,648
                                                                 Middle...............      255,476       16,523
                                                                 Upper................      310,845       20,105
                                              1994        9.333  Lower................      180,000       14,320
                                                                 Middle...............      250,588       19,936
                                                                 Upper................      278,443       22,152
Guam.................................         1985       10.250  Lower................       59,421        5,112
                                                                 Middle...............       72,445        6,232
                                                                 Upper................      154,895       13,325
                                              1986       10.250  Lower................       65,363       5,623 

[[Page 61384]]
                                                                                                                
                                                                 Middle...............       79,689        6,855
                                                                 Upper................      170,384       14,657
                                              1987       10.375  Lower................       74,841        6,505
                                                                 Middle...............       91,802        7,979
                                                                 Upper................      188,786       16,409
                                              1988       11.000  Lower................       84,271        7,704
                                                                 Middle...............      103,920        9,501
                                                                 Upper................      207,287       18,951
                                              1989       10.375  Lower................       93,709        8,145
                                                                 Middle...............      116,079       10,089
                                                                 Upper................      225,735       19,621
                                              1990       10.500  Lower................      103,174        9,060
                                                                 Middle...............      128,151       11,254
                                                                 Upper................      244,245       21,448
                                              1991       10.125  Lower................      113,491        9,662
                                                                 Middle...............      140,966       12,001
                                                                 Upper................      268,670       22,873
                                              1992        9.491  Lower................      130,855       10,555
                                                                 Middle...............      162,534       13,110
                                                                 Upper................      309,777       24,986
                                              1993        7.750  Lower................      144,738        9,954
                                                                 Middle...............      189,280       13,018
                                                                 Upper................      258,978       17,811
                                              1994       10.050  Lower................      133,452       11,290
                                                                 Middle...............      188,240       15,925
                                                                 Upper................      244,375       20,675
Mayaguez, PR.........................         1985       10.250  Lower................       38,650        3,325
                                                                 Middle...............       54,110        4,655
                                                                 Upper................       82,465        7,094
                                              1986       10.250  Lower................       42,515        3,657
                                                                 Middle...............       59,521        5,120
                                                                 Upper................       90,711        7,803
                                              1987       10.625  Lower................       47,616        4,224
                                                                 Middle...............       66,663        5,914
                                                                 Upper................      101,597        9,013
                                              1988       10.875  Lower................       53,807        4,870
                                                                 Middle...............       75,329        6,819
                                                                 Upper................      114,804       10,392
                                              1989       10.375  Lower................       57,035        4,957
                                                                 Middle...............       79,849        6,940
                                                                 Upper................      121,693       10,577
                                              1990       10.375  Lower................       93,898        8,162
                                                                 Middle...............      116,409       10,118
                                                                 Upper................      196,696       17,097
                                              1991        8.875  Lower................       57,600        4,400
                                                                 Middle...............       92,300        7,050
                                                                 Upper................      134,300       10,258
                                              1992        8.125  Lower................       61,459        4,381
                                                                 Middle...............       98,484        7,020
                                                                 Upper................      143,298       10,214
                                              1993        7.125  Lower................       60,906        3,939
                                                                 Middle...............       97,598        6,312
                                                                 Upper................      142,008        9,185
                                              1994        8.750  Lower................       71,307        5,385
                                                                 Middle...............       92,079        6,954
                                                                 Upper................      128,571        9,710
San Juan, PR.........................         1985       10.250  Lower................       52,638        4,528
                                                                 Middle...............       64,476        5,547
                                                                 Upper................       93,324        8,028
                                              1986       10.250  Lower................       56,323        4,845
                                                                 Middle...............       68,989        5,935
                                                                 Upper................       99,857        8,590
                                              1987       10.625  Lower................       60,266        5,346
                                                                 Middle...............       73,818        6,549
                                                                 Upper................      106,847        9,479
                                              1988       10.875  Lower................       64,485        5,837
                                                                 Middle...............       78,985        7,150
                                                                 Upper................      114,326       10,348
                                              1989       10.375  Lower................       70,934        6,166
                                                                 Middle...............       86,884        7,552
                                                                 Upper................      122,329       10,633

[[Page 61385]]
                                                                                                                
                                              1990       10.375  Lower................       78,027        6,782
                                                                 Middle...............       95,572        8,307
                                                                 Upper................      134,562       11,696
                                              1991        8.875  Lower................       82,800        6,324
                                                                 Middle...............      100,255        7,658
                                                                 Upper................      141,100       10,777
                                              1992        8.125  Lower................       62,271        4,439
                                                                 Middle...............       84,721        6,039
                                                                 Upper................      151,946       10,831
                                              1993        7.125  Lower................       61,389        3,970
                                                                 Middle...............       84,084        5,438
                                                                 Upper................      151,878        9,823
                                              1994        8.750  Lower................       66,843        5,048
                                                                 Middle...............      102,232        7,721
                                                                 Upper................      143,633       10,848
St Croix, VI.........................         1985       10.250  Lower................       47,893        4,120
                                                                 Middle...............       62,064        5,339
                                                                 Upper................      105,308        9,059
                                              1986       10.250  Lower................       48,995        4,215
                                                                 Middle...............       63,491        5,462
                                                                 Upper................      107,730        9,268
                                              1987       12.000  Lower................       54,140        5,346
                                                                 Middle...............       70,157        6,928
                                                                 Upper................      119,042       11,755
                                              1988       12.000  Lower................       66,051        6,522
                                                                 Middle...............       85,592        8,452
                                                                 Upper................      145,231       14,341
                                              1989       11.750  Lower................       64,730        6,273
                                                                 Middle...............       83,880        8,128
                                                                 Upper................      142,326       13,792
                                              1990       11.250  Lower................       80,912        7,544
                                                                 Middle...............      104,850        9,776
                                                                 Upper................      177,908       16,588
                                              1991       10.250  Lower................       85,281        7,336
                                                                 Middle...............      110,500        9,506
                                                                 Upper................      187,500       16,130
                                              1992        9.500  Lower................      103,635        8,366
                                                                 Middle...............      151,866       12,259
                                                                 Upper................      188,037       15,179
                                              1993        8.375  Lower................      112,962        8,242
                                                                 Middle...............      174,161       12,708
                                                                 Upper................      194,004       14,156
                                              1994        9.083  Lower................       77,409        6,024
                                                                 Middle...............      128,076        9,967
                                                                 Upper................      210,035       16,345
St. Thomas, VI.......................         1985       10.250  Lower................       77,330        6,652
                                                                 Middle...............       97,846        8,417
                                                                 Upper................      116,784       10,046
                                              1986       10.250  Lower................       92,023        7,916
                                                                 Middle...............      116,437       10,017
                                                                 Upper................      138,973       11,955
                                              1987       12.000  Lower................      103,617       10,232
                                                                 Middle...............      131,108       12,946
                                                                 Upper................      156,484       15,452
                                              1988       12.000  Lower................      121,129       11,961
                                                                 Middle...............      153,265       15,134
                                                                 Upper................      182,929       18,064
                                              1989       11.750  Lower................      126,943       12,301
                                                                 Middle...............      160,622       15,565
                                                                 Upper................      191,710       18,577
                                              1990       11.250  Lower................      122,500       11,422
                                                                 Middle...............      155,000       14,452
                                                                 Upper................      185,000       17,250
                                              1991       10.250  Lower................      126,900       10,917
                                                                 Middle...............      180,700       15,545
                                                                 Upper................      210,800       18,134
                                              1992        9.000  Lower................      128,930        9,959
                                                                 Middle...............      183,591       14,181
                                                                 Upper................      214,173       16,544
                                              1993        8.250  Lower................      139,680       10,074
                                                                 Middle...............      198,829      14,340 

[[Page 61386]]
                                                                                                                
                                                                 Upper................      231,949       16,729
                                              1994        9.083  Lower................      106,533        8,290
                                                                 Middle...............      190,164       14,799
                                                                 Upper................      195,381       15,205
Washington, DC (DC)..................         1985       10.250  Lower................       58,996        5,075
                                                                 Middle...............       90,194        7,759
                                                                 Upper................      160,600       13,816
                                              1986       10.250  Lower................       64,778        5,573
                                                                 Middle...............       99,213        8,535
                                                                 Upper................      173,448       14,921
                                              1987       10.250  Lower................       70,543        6,069
                                                                 Middle...............      113,015        9,722
                                                                 Upper................      187,324       16,115
                                              1988       10.500  Lower................       76,327        6,703
                                                                 Middle...............      126,817       11,136
                                                                 Upper................      202,310       17,766
                                              1989        9.625  Lower................       82,128        6,702
                                                                 Middle...............      140,619       11,474
                                                                 Upper................      218,495       17,829
                                              1990        9.875  Lower................       87,877        7,326
                                                                 Middle...............      140,974       11,752
                                                                 Upper................      235,975       19,671
                                              1991        9.250  Lower................       88,200        6,966
                                                                 Middle...............      141,500       11,175
                                                                 Upper................      236,900       18,710
                                              1992        8.500  Lower................       93,573        6,907
                                                                 Middle...............      138,580       10,229
                                                                 Upper................      231,948       17,121
                                              1993        7.125  Lower................       95,306        6,164
                                                                 Middle...............      125,469        8,115
                                                                 Upper................      271,054       17,531
                                              1994        8.708  Lower................       85,158        6,407
                                                                 Middle...............      104,117        7,834
                                                                 Upper................      284,087       21,374
Washington, DC (MD)..................         1985       10.250  Lower................       54,572        4,695
                                                                 Middle...............       84,505        7,270
                                                                 Upper................      100,545        8,649
                                              1986       10.250  Lower................       60,029        5,164
                                                                 Middle...............       92,955        7,997
                                                                 Upper................      110,600        9,514
                                              1987       10.125  Lower................       66,032        5,622
                                                                 Middle...............      102,250        8,705
                                                                 Upper................      121,660       10,358
                                              1988       10.375  Lower................       73,295        6,371
                                                                 Middle...............      113,498        9,865
                                                                 Upper................      135,043       11,738
                                              1989       10.000  Lower................       81,357        6,854
                                                                 Middle...............      125,983       10,614
                                                                 Upper................      149,898       12,628
                                              1990        9.875  Lower................       89,493        7,460
                                                                 Middle...............      138,581       11,552
                                                                 Upper................      164,888       13,745
                                              1991        8.750  Lower................       90,835        6,860
                                                                 Middle...............      140,660       10,623
                                                                 Upper................      167,361       12,640
                                              1992        8.375  Lower................      103,563        7,557
                                                                 Middle...............      136,513        9,961
                                                                 Upper................      203,337       14,837
                                              1993        7.250  Lower................       95,031        6,223
                                                                 Middle...............      116,294        7,616
                                                                 Upper................      199,750       13,081
                                              1994        8.833  Lower................       92,394        7,031
                                                                 Middle...............      184,249       14,020
                                                                 Upper................      222,377       16,922
Washington, DC (VA)..................         1985       10.250  Lower................       65,608        5,644
                                                                 Middle...............       74,031        6,369
                                                                 Upper................      122,748       10,559
                                              1986       10.250  Lower................       70,857        6,096
                                                                 Middle...............       79,954        6,878
                                                                 Upper................      132,568       11,404
                                              1987       10.125  Lower................       76,526        6,515

[[Page 61387]]
                                                                                                                
                                                                 Middle...............       86,350        7,351
                                                                 Upper................      143,173       12,189
                                              1988       10.500  Lower................       83,413        7,325
                                                                 Middle...............       94,122        8,265
                                                                 Upper................      156,059       13,704
                                              1989        9.500  Lower................       90,086        7,272
                                                                 Middle...............      101,652        8,206
                                                                 Upper................      168,544       13,605
                                              1990       10.000  Lower................       97,293        8,197
                                                                 Middle...............      109,784        9,249
                                                                 Upper................      182,028       15,335
                                              1991        8.875  Lower................       99,823        7,625
                                                                 Middle...............      114,400        8,738
                                                                 Upper................      183,600       14,024
                                              1992        8.375  Lower................      105,021        7,663
                                                                 Middle...............      127,582        9,309
                                                                 Upper................      183,294       13,374
                                              1993        7.250  Lower................       94,563        6,193
                                                                 Middle...............      126,984        8,316
                                                                 Upper................      181,917       11,914
                                              1994        8.792  Lower................       96,048        7,281
                                                                 Middle...............      169,078       12,818
                                                                 Upper................      240,108       18,202
----------------------------------------------------------------------------------------------------------------
*Principal and interest assumes 80% financing.                                                                  



                                      Appendix 11.--Historical Housing Data                                     
----------------------------------------------------------------------------------------------------------------
                                                  Lower                 Middle                Upper             
                Year                  Weights    amounts    Subtotal   amounts    Subtotal   amounts    Subtotal
----------------------------------------------------------------------------------------------------------------
Honolulu:                                                                                                       
    1985...........................       6.31      7,455     470.41      9,506     599.83     10,170     641.73
    1986...........................       6.77      8,364     566.24     11,550     781.94     13,292     899.87
    1987...........................       8.19      9,373     767.65     13,736   1,124.98     16,583   1,358.15
    1988...........................       7.03     10,829     761.28     16,620   1,168.39     20,758   1,459.29
    1989...........................       7.72     13,556   1,046.52     21,025   1,623.13     23,124   1,785.17
    1990...........................       8.32     18,591   1,546.77     28,836   2,399.16     32,628   2,714.65
    1991...........................      10.08     16,169   1,629.84     24,268   2,446.21     28,947   2,917.86
    1992...........................      12.92     15,065   1,946.40     23,500   3,036.20     25,907   3,347.18
    1993...........................      13.78     13,067   1,800.63     21,196   2,920.81     24,249   3,341.51
    1994...........................      18.88     20,042   3,783.93     26,389   4,982.24     31,402   5,928.70
                                    ----------------------------------------------------------------------------
      Total........................     100.00  .........     14,320  .........     21,083  .........     24,394
                                    ============================================================================
Hilo:                                                                                                           
    1985...........................       6.31      3,570     225.27      5,316     335.44      7,696     485.62
    1986...........................       6.77      4,341     293.89      6,193     419.27      8,412     569.49
    1987...........................       8.19      5,166     423.10      7,143     585.01      9,222     755.28
    1988...........................       7.03      6,254     439.66      8,445     593.68     10,460     735.34
    1989...........................       7.72      6,796     524.65      9,006     695.26     10,777     831.98
    1990...........................       8.32      5,825     484.64      9,361     778.84     14,133   1,175.87
    1991...........................      10.08     10,474   1,055.78     14,114   1,422.69     15,934   1,606.15
    1992...........................      12.92      9,319   1,204.01     11,612   1,500.27     14,104   1,822.24
    1993...........................      13.78      8,269   1,139.47     11,195   1,542.67     13,066   1,800.49
    1994...........................      18.88      9,125   1,722.80     12,928    2440.81     15,605   2,946.22
                                    ----------------------------------------------------------------------------
      Total........................     100.00  .........      7,513  .........     10,314  .........     12,729
                                    ============================================================================
Kailua Kona:                                                                                                    
    1985...........................       6.31      5,621     354.69      7,986     503.92      8,560     540.14
    1986...........................       6.77      6,632     448.99      9,256     626.63     10,315     698.33
    1987...........................       8.19      7,725     632.68     10,638     871.25     12,194     998.69
    1988...........................       7.03      9,203     646.97     12,541     881.63     14,691   1,032.78
    1989...........................       7.72      9,874     762.27     13,346   1,030.31     15,902   1,227.63
    1990...........................       8.32     11,580     963.46     16,336   1,359.16     19,364   1,611.08
    1991...........................      10.08     12,097   1,219.38     15,949   1,607.66     20,059   2,021.95
    1992...........................      12.92     11,395   1,472.23     15,892   2,053.25     18,605   2,403.77
    1993...........................      13.78      9,939   1,369.59     14,180   1,954.00     16,939   2,334.19
    1994...........................      18.88     12,111   2,286.56     17,171   3,241.88     17,831   3,366.49
                                    ----------------------------------------------------------------------------

[[Page 61388]]
                                                                                                                
      Totals.......................     100.00  .........     10,157  .........     14,130  .........     16,235
                                    ============================================================================
Kauai:                                                                                                          
    1985...........................       6.31      4,756     300.10      6,001     378.66      8,250     520.58
    1986...........................       6.77      5,859     396.65      7,573     512.69      9,075     614.38
    1987...........................       8.19      6,830     559.38      9,239     756.67     10,545     863.64
    1988...........................       7.03      8,324     585.18     11,387     800.51     13,309     935.62
    1989...........................       7.72      9,090     701.75     12,542    968.241     15,622   1,206.02
    1990...........................       8.32     15,257   1,269.38     20,117   1,673.73     25,451   2,117.52
    1991...........................      10.08     13,617   1,372.59     17,957   1,810.07     22,714   2,289.57
    1992...........................      12.92     12,245   1,582.05     15,797   2,040.97     19,525   2,522.63
    1993...........................      13.78     11,122   1,532.61     14,349   1,977.29     17,734   2,443.75
    1994...........................      18.88     12,996   2,453.64     17,677   3,337.42     20,287   3,830.19
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........     10,753  .........     14,256  .........     17,344
                                    ============================================================================
Maui:                                                                                                           
    1985...........................       6.31      7,175     452.74      9,520     600.71     11,973     755.50
    1986...........................       6.77      7,893     534.36     10,473     709.02     13,170     891.61
    1987...........................       8.19      8,717     713.92     11,639     953.23     14,637   1,198.77
    1988...........................       7.03     11,072     778.36     14,691   1,032.78     18,475   1,298.79
    1989...........................       7.72     13,294   1,026.30     17,639   1,361.73     22,182   1,712.45
    1990...........................       8.32     14,976   1,246.00     19,872   1,653.35     24,990   2,079.17
    1991...........................      10.08     16,454   1,658.56     21,831   2,200.56     27,455   2,767.46
    1992...........................      12.92     14,820   1,914.74     19,668   2,541.11     24,729   3,194.99
    1993...........................      13.78     11,648   1,605.09     16,523   2,276.87     20,105   2,770.47
    1994...........................      18.88     14,320   2,703.62     19,936   3,763.92     22,152   4,182.30
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........     12,634  .........     17,093  .........     20,852
                                    ============================================================================
Guam:                                                                                                           
    1985...........................       6.31      5,112     322.57      6,232     393.24     13,325     840.81
    1986...........................       6.77      5,623     380.68      6,855     464.08     14,657     992.28
    1987...........................       8.19      6,505     532.76      7,979     653.48     16,409   1,343.90
    1988...........................       7.03      7,704     541.59      9,501     667.92     18,951   1,332.26
    1989...........................       7.72      8,145     628.79     10,089     778.87     19,621   1,514.74
    1990...........................       8.32      9,060     753.79     11,254     936.33     21,448   1,784.47
    1991...........................      10.08      9,662     973.93     12,001   1,209.70     22,873   2,305.60
    1992...........................      12.92     10,555   1,363.71     13,110   1,693.81     24,986   3,228.19
    1993...........................      13.78      9,954   1,371.66     13,018   1,793.88     17,811   2,454.36
    1994...........................      18.88     11,290   2,131.55     15,925   3,006.64     20,675   3,903.44
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      9,001  .........     11,598  .........     19,700
                                    ============================================================================
Mayaguez:                                                                                                       
    1985...........................       6.31      3,325     209.81      4,655     293.73      7,094     447.63
    1986...........................       6.77      3,657     247.58      5,120     346.62      7,803     528.26
    1987...........................       8.19      4,224     345.95      5,914     484.36      9,013     738.16
    1988...........................       7.03      4,870     342.36      6,819     479.38     10,392     730.56
    1989...........................       7.72      4,957     382.68      6,940     535.77     10,577     816.54
    1990...........................       8.32      8,162     679.08     10,118     841.82     17,097   1,422.47
    1991...........................      10.08      4,400     443.52      7,050     710.64     10,258   1,034.01
    1992...........................      12.92      4,381     566.03      7,020     906.98     10,214   1,319.65
    1993...........................      13.78      3,939     542.79      6,312     869.79      9,185   1,265.69
    1994...........................      18.88      5,385   1,016.69      6,954   1,312.92      9,710   1,833.25
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      4,776  .........      6,782  .........     10,136
                                    ============================================================================
San Juan:                                                                                                       
    1985...........................       6.31      4,528     285.72      5,547     350.02      8,028     506.57
    1986...........................       6.77      4,845     328.01      5,935     401.80      8,590     581.54
    1987...........................       8.19      5,346     437.84      6,549     536.36      9,479     776.33
    1988...........................       7.03      5,837     410.34      7,150     502.65     10,348     727.46
    1989...........................       7.72      6,166     476.02      7,552     583.01     10,633     820.87
    1990...........................       8.32      6,782     564.26      8,307     691.14     11,696     973.11
    1991...........................      10.08      6,324     637.46      7,658     771.93     10,777   1,086.32
    1992...........................      12.92      4,439     573.52      6,039     780.24     10,831   1,399.37
    1993...........................      13.78      3,970     547.07      5,438     749.36      9,823   1,353.61
    1994...........................      18.88      5,048     953.06      7,721   1,457.72     10,848   2,048.10
                                    ----------------------------------------------------------------------------

[[Page 61389]]
                                                                                                                
      Totals.......................     100.00  .........      5,213  .........      6,824  .........     10,273
                                    ============================================================================
St. Croix:                                                                                                      
    1985...........................       6.31      4,120     259.97      5,339     336.89      9,059     571.62
    1986...........................       6.77      4,215     285.36      5,462     369.78      9,268     627.44
    1987...........................       8.19      5,346     437.84      6,928     567.40     11,755     962.73
    1988...........................       7.03      6,522     458.50      8,452     594.18     14,341   1,008.17
    1989...........................       7.72      6,273     484.28      8,128     627.48     13,792   1,064.74
    1990...........................       8.32      7,544     627.66      9,776     813.36     16,588   1,380.12
    1991...........................      10.08      7,336     739.47      9,506     958.20     16,130   1,625.90
    1992...........................      12.92      8,366   1,080.89     12,259   1,583.86     15,179   1,961.13
    1993...........................      13.78      8,242   1,135.75     12,708   1,751.16     14,156   1,950.70
    1994...........................      18.88      6,024   1,137.33      9,967   1,881.77     16,345   3,085.94
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      6,647  .........      9,484  .........     14,238
                                    ============================================================================
St. Thomas:                                                                                                     
    1985...........................       6.31      6,652     419.74      8,417     531.11     10,046     633.90
    1986...........................       6.77      7,916     535.91     10,017     678.15     11,955     809.35
    1987...........................       8.19     10,232     838.00     12,946   1,060.28     15,452   1,265.52
    1988...........................       7.03     11,961     840.86     15,134   1,063.92     18,064   1,269.90
    1989...........................       7.72     12,301     949.64     15,565   1,201.62     18,577   1,434.14
    1990...........................       8.32     11,422     950.31     14,452   1,202.41     17,250   1,435.20
    1991...........................      10.08     10,917   1,100.43     15,545   1,566.94     18,134   1,827.91
    1992...........................      12.92      9,959   1,286.70     14,181   1,832.19     16,544   2,137.48
    1993...........................      13.78     10,074   1,388.20     14,340   1,976.05     16,729   2,305.26
    1994...........................      18.88      8,290   1,565.15     14,799   2,794.05     15,205   2,870.70
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      9,875  .........     13,907  .........     15,989
                                    ============================================================================
DC-DC:                                                                                                          
    1985...........................       6.31      5,075     320.23      7,759     489.59     13,816     871.79
    1986...........................       6.77      5,573     377.29      8,535     577.82     14,921   1,010.15
    1987...........................       8.19      6,069     497.05      9,722     796.23     16,115   1,319.82
    1988...........................       7.03      6,703     471.22     11,136     782.86     17,766   1,248.95
    1989...........................       7.72      6,702     517.39     11,474     885.79     17,829   1,376.40
    1990...........................       8.32      7,326     609.52     11,752     977.77     19,671   1,636.63
    1991...........................      10.08      6,966     702.17     11,175   1,126.44     18,710   1,885.97
    1992...........................      12.92      6,907     892.38     10,229   1,321.59     17,121   2,212.03
    1993...........................      13.78      6,164     849.40      8,115   1,118.25     17,531   2,415.77
    1994...........................      18.88      6,407   1,209.64      7,834   1,479.06     21,374   4,035.41
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      6,446  .........      9,555  .........     18,013
                                    ============================================================================
DC-MD:                                                                                                          
    1985...........................       6.31      4,695     296.25      7,270     458.74      8,649     545.75
    1986...........................       6.77      5,164     349.60      7,997     541.40      9,514     644.10
    1987...........................       8.19      5,622     460.44      8,705     712.94     10,358     848.32
    1988...........................       7.03      6,371     447.88      9,865     693.51     11,738     825.18
    1989...........................       7.72      6,854     529.13     10,614     819.40     12,628     974.88
    1990...........................       8.32      7,460     620.67     11,552     961.13     13,745   1,143.58
    1991...........................      10.08      6,860     691.49     10,623   1,070.80     12,640   1,274.11
    1992...........................      12.92      7,557     976.36      9,961   1,286.96     14,837   1,916.94
    1993...........................      13.78      6,223     857.53      7,616   1,049.48     13,081   1,802.56
    1994...........................      18.88      7,031   1,327.45     14,020   2,646.98     16,922   3,194.87
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      6,557  .........     10,241  .........     13,170
                                    ============================================================================
DC-VA:                                                                                                          
    1985...........................       6.31      5,644     356.14      6,369     401.88     10,559     666.27
    1986...........................       6.77      6,096     412.70      6,878     465.64     11,404     772.05
    1987...........................       8.19      6,515     533.58      7,351     602.05     12,189     998.28
    1988...........................       7.03      7,325     514.95      8,265     581.03     13,704     963.39
    1989...........................       7.72      7,272     561.40      8,206     633.50     13,605   1,050.31
    1990...........................       8.32      8,197     681.99      9,249     769.52     15,335   1,275.87
    1991...........................      10.08      7,625     768.60      8,738     880.79     14,024   1,413.62
    1992...........................      12.92      7,663     990.06      9,309   1,202.72     13,374   1,727.92
    1993...........................      13.78      6,193     853.40      8,316   1,145.94     11,914   1,641.75
    1994...........................      18.88      7,281   1,374.65     12,818   2,420.04     18,202   3,436.54
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      7,047  .........      9,103  .........     13,946
----------------------------------------------------------------------------------------------------------------



                                                                                                                

[[Page 61390]]
                                                           Appendix 12.--Rental Data Analyses                                                           
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     B&BN                           Non-Brkr                          Broker            
                                                      --------------------------------------------------------------------------------------------------
                                                                               Change                           Change                           Change 
                                                           #          $      (percent)      #          $      (percent)      #          $      (percent)
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honolulu:                                                                                                                                               
    Low..............................................        217       $773       -5.3        205       $795        0.0         12       $750      -10.3
    Middle...........................................        168        925       -4.8        156        925       -6.8         12        925       -2.6
    High.............................................        309       1250       -1.9        285       1200       -5.2         24       1300        1.5
Hilo:                                                                                                                                                   
    Low..............................................         52        567        9.7         46        520       25.6          6        613       -1.0
    Middle...........................................         72        698        0.0         66        695       25.9          6        700      -17.1
    High.............................................        156        880        1.4        144        860       25.5         12        900      -14.3
Kailua Kona:                                                                                                                                            
    Low..............................................        103        669       -1.3         97        661        7.2          6        677       -8.3
    Middle...........................................         78        775       -3.2         72        781        7.5          6        769      -12.1
    High.............................................        103       1003       -4.5         91        964        4.2         12       1042      -11.3
Kauai:                                                                                                                                                  
    Low..............................................         67        688      -25.3         61        700       16.7          6        675      -15.6
    Middle...........................................         74        794      -24.4         68        788      -21.2          6        800      -27.3
    High.............................................        212       1075      -28.9        200       1050      -36.1         12       1100      -15.2
Maui:                                                                                                                                                   
    Low..............................................        255        625       -1.6        249        650        8.2          6        600      -10.3
    Middle...........................................        253        800        0.4        247        750        5.9          6        850       -4.0
    High.............................................        128        975      -11.4        116        950       -6.9         12       1000      -15.2
Guam:                                                                                                                                                   
    Low..............................................         23        763       -5.0         17        725       -3.2          6        800       -6.5
    Middle...........................................         59        900      -14.3         53        900       -8.2          6        900      -19.6
    High.............................................         70       1250      -28.6         58       1300       -8.5         12       1200      -42.3
Mayaguez:                                                                                                                                               
    Low..............................................         14        425        2.4          7        450      -25.0          7        400      -18.4
    Middle...........................................         14        550       -9.2          7        600        2.0          7        500      -21.6
    High.............................................         16        725      -26.2          5        850       11.8         11        600      -26.8
San Juan:                                                                                                                                               
    Low..............................................         18        451      -38.0          6        388      -45.2         12        513      -31.3
    Middle...........................................         25        913      -14.5         13        800      -32.5         12       1025        7.9
    High.............................................         54       1400      -26.0         28       1300      -29.0         26       1500      -23.3
St. Croix:                                                                                                                                              
    Low..............................................         92        548      -19.3         86        600      -16.0          6        495      -23.1
    Middle...........................................         68        600      -44.3         62        600      -28.6          6        600      -20.4
    High.............................................         57       1000      -26.5         40       1000      -29.9         17       1000      -22.8
St. Thomas:                                                                                                                                             
    Low..............................................        104        663      -15.4         98        650        1.1          6        675      -27.0
    Middle...........................................         89        857      -12.4         83        875       -5.9          6        838      -18.2
    High.............................................         83       1300       -5.9         71       1200       -5.7         12       1400       -5.9
Washington, DC:                                                                                                                                         
    Low..............................................        237        415      -10.4        231        399      -10.7          6        430      -10.2
    Middle...........................................        127        530      -13.7        121        535      -14.8          6        525      -12.5
    High.............................................        110       1349       -7.6         94       1198        5.1         16       1500      -15.7
DC--Maryland:                                                                                                                                           
    Low..............................................         71        525       -4.4         65        525        0.4          6        525       -8.7
    Middle...........................................        117        650      -17.1        111        650      -18.6          6        650      -16.8
    High.............................................        114        950       -7.9        102        975       -4.5         12        925      -11.1
DC--Virginia:                                                                                                                                           
    Low..............................................         51        583       -2.3         45        590       -0.7          6        575       -4.2
    Middle...........................................        257        863       11.5        251        775       -4.0          6        950       28.4
    High.............................................        149       1225       19.6        137       1150       16.8         12       1300       22.3
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                                                                                               ---------

                                                           Appendix 13.--Housing Cost Analysis                                                          
                                                      [Location: Honolulu, HI, Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $358  ..............            $421  ..............            $484  ..............
Insurance...............................................             750            $329           1,059             329           1,377            $392
Utilities...............................................           1,608           1,435           1,824           1,608           2,041           1,709
Real estate taxes.......................................             746  ..............           1,027  ..............           1,249  ..............

[[Page 61391]]
                                                                                                                                                        
Housing.................................................          14,320           9,276          21,083          11,100          24,394          15,000
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          17,782          11,040          25,414          13,037          29,545          17,101
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                                  Housing Cost Analysis                                                                 
                                                        [Location: Hilo, HI, Summer 1994 Survey]                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $271  ..............            $319  ..............            $367  ..............
Insurance...............................................             604            $395             740            $395             912            $413
Utilities...............................................           1,598           1,424           1,816           1,598           2,034           1,700
Real estate taxes.......................................             635  ..............           1,041  ..............           1,327  ..............
Housing.................................................           7,513           6,804          10,314           8,376          12,729          10,560
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,621           8,623          14,230          10,369          17,369          12,673
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                     [Location: Kailua Kona, HI, Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $295  ..............            $347  ..............            $399  ..............
Insurance...............................................             794            $395             975            $395           1,038            $413
Utilities...............................................           1,751           1,556           1,996           1,751           2,241           1,866
Real estate taxes.......................................             954  ..............           1,495  ..............           1,565  ..............
Housing.................................................          10,157           8,028          14,130           9,300          16,235          12,036
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          13,951           9,979          18,943          11,446          21,478          14,315
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                     Housing Cost Analysis--Hawaii County Composite                                                     
                                                                  [Summer 1994 Survey]                                                                  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs                                   
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income       
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter   
--------------------------------------------------------------------------------------------------------------------------------------------------------
Hilo, HI..............................................         83.17       $10,621        $8,623       $14,230       $10,369       $17,369       $12,673
Kailua Kona, HI.......................................         16.83        13,951         9,979        18,943        11,446        21,478        14,315
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................        100.00  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Hawaii County, HI cost............................  ............        11,181         8,851        15,023        10,550        18,061        12,949
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                    [Location: Kauai County, HI, Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $302  ..............            $355  ..............            $408  ..............

[[Page 61392]]
                                                                                                                                                        
Insurance...............................................             837            $454           1,014            $454           1,158            $550
Utilities...............................................           1,758           1,560           2,005           1,758           2,252           1,873
Real estate taxes.......................................             547  ..............             808  ..............             954  ..............
Housing.................................................          10,753           8,256          14,256           9,528          17,344          12,900
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          14,197          10,270          18,438          11,740          22,116          15,323
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                                  Housing Cost Analysis                                                                 
                                                     [Location: Maui County, HI, Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $388  ..............            $456  ..............            $524  ..............
Insurance...............................................             691            $394             930            $447           1,065            $538
Utilities...............................................           1,610           1,433           1,831           1,610           2,052           1,713
Real estate taxes.......................................             665  ..............           1,000  ..............           1,133  ..............
Housing.................................................          12,634           7,500          17,093           9,600          20,852          11,700
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          15,988           9,327          21,310          11,657          25,626          13,951
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                          [Location: Guam, Summer 1994 Survey]                                                          
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $428  ..............            $504  ..............            $580  ..............
Insurance...............................................           1,758            $293           2,479            $293           3,218            $440
Utilities...............................................           2,288           2,084           2,543           2,288           2,798           2,407
Real estate taxes.......................................             420  ..............             593  ..............             770  ..............
Housing.................................................           9,001           9,156          11,598          10,800          19,700          15,000
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          13,895          11,533          17,717          13,381          27,066          17,847
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                      [Location: Mayaguez, PR, Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $173  ..............            $204  ..............            $235  ..............
Insurance...............................................             449            $260             565            $206             817            $239
Utilities...............................................           1,036             941           1,153           1,036           1,271           1,090
Real estate taxes.......................................               0  ..............             230  ..............             721  ..............
Housing.................................................           4,776           5,100           6,782           6,600          10,136           8,700
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................           6,434           6,247           8,934           7,842          13,180          10,029
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                                                                                                        

[[Page 61393]]
                                                                  Housing Cost Analysis                                                                 
                                                      [Location: San Juan, PR, Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $164  ..............            $193  ..............            $222  ..............
Insurance...............................................             348            $205             535            $205             783            $277
Utilities...............................................           1,086             987           1,209           1,086           1,332           1,143
Real estate taxes.......................................               0  ..............             367  ..............             924  ..............
Housing.................................................           5,213           5,412           6,824          10,956          10,273          16,800
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................           6,811           6,604           9,128          12,247          13,534          18,220
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                      Housing Cost Analysis--Puerto Rico Composite                                                      
                                                                  [Summer 1994 Survey]                                                                  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs                                   
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income       
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter   
--------------------------------------------------------------------------------------------------------------------------------------------------------
San Juan, PR..........................................         88.90        $6,811        $6,604        $9,128       $12,247       $13,534       $18,220
Mayaguez, PR..........................................         11.10         6,434         6,247         8,934         7,842        13,180        10,029
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................        100.00  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Puerto Rico cost..................................  ............         6,769         6,564         9,106        11,758        13,495        17,311
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                      [Location: St. Croix, VI, Summer 1994 Survey]                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $207  ..............            $244  ..............            $281  ..............
Insurance...............................................           1,604            $582           2,590            $582           4,183            $654
Utilities...............................................           1,530           1,363           1,737           1,530           1,945           1,627
Real estate taxes.......................................             393  ..............             773  ..............           1,388  ..............
Housing.................................................           6,647           6,576           9,484           7,200          14,238          12,000
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,381           8,521          14,828           9,312          22,035          14,281
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                     [Location: St. Thomas, VI, Summer 1994 Survey]                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $216  ..............            $254  ..............            $292  ..............
Insurance...............................................           2,591            $512           4,166            $512           4,260            $762
Utilities...............................................           1,530           1,363           1,737           1,530           1,945           1,627
Real estate taxes.......................................             611  ..............           1,239  ..............           1,278  ..............
Housing.................................................           9,875           7,956          13,907          10,284          15,989          15,600
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          14,823           9,831          21,303          12,326          23,764          17,989
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                                                                                                        

[[Page 61394]]
                                                    Housing Cost Analysis-- Virgin Islands Composite                                                    
                                                                   [Summr 1994 Survey]                                                                  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs                                   
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income       
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter   
--------------------------------------------------------------------------------------------------------------------------------------------------------
St. Croix, VI.........................................         45.09       $10,381        $8,521       $14,828        $9,312       $22,035       $14,281
St. Thomas, VI........................................         54.91        14,823         9,831        21,303        12,326        23,764        17,989
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................       100.000  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Puerto Rico cost..................................  ............        12,820         9,240        18,383        10,967        22,984        16,317
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                                  Housing Cost Analysis                                                                 
                                                      [Location: Washington DC, Summer 1994 Survey]                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $312  ..............            $367  ..............            $422  ..............
Insurance...............................................             212             $79             261             $79             730             $98
Utilities...............................................           1,579           1,402           1,801           1,579           2,023           1,683
Real estate taxes.......................................             530  ..............             712           2,439  ..............  ..............
Housing.................................................           6,446           4,980           9,555           6,360          18,013          16,188
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................           9,079           6,641          12,696           8,018          23,627          17,969
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                   [Location: Washington, DC, MD, Summer 1994 Survey]                                                   
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $319  ..............            $375  ..............            $431  ..............
Insurance...............................................             237             $59             294             $59             355             $69
Utilities...............................................           2,062           1,820           2,366           2,062           2,669           2,204
Real estate taxes.......................................           1,254  ..............           2,501  ..............           3,018  ..............
Housing.................................................           6,557           6,300          10,241           7,800          13,170          11,400
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,429           8,179          15,777           9,921          19,643          13,673
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                  Housing Cost Analysis                                                                 
                                                   [Location: Washington, DC, VA, Summer 1994 Survey]                                                   
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $286  ..............            $336  ..............            $386  ..............
Insurance...............................................             208            $126             304            $126             410            $148
Utilities...............................................           1,932           1,712           2,208           1,932           2,483           2,061
Real estate taxes.......................................           1,211  ..............           2,132  ..............           3,027  ..............
Housing.................................................           7,047           6,996           9,103          10,356          13,946          14,700
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,684           8,834          14,083          12,414          20,252          16,909
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                                                                                                        

[[Page 61395]]
                                                     Housing Cost Analysis--Washington DC Composite                                                     
                                                                  [Summer 1994 Survey]                                                                  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs                                   
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income       
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter   
--------------------------------------------------------------------------------------------------------------------------------------------------------
Washington DC, DC.....................................         33.34        $9,079        $6,461       $12,696        $8,018       $23,627       $17,969
Washington DC, MD.....................................         33.33        10,429         8,179        15,777         9,921        19,643        13,673
Washington DC, VA.....................................         33.33        10,684         8,834        14,083        12,414        20,252        16,909
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................        100.00  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Composite cost....................................  ............        10,064         7,825        14,185        10,117        21,174        16,184
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                             Appendix 14.--Housing Analysis                                                             
                                                      [Location: Honolulu, HI, Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual    Total cost DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $17,782         $10,064          176.69         $11,040          $7,825          141.09
Middle income...........................................          25,414          14,185          179.16          13,037          10,117          128.86
Upper income............................................          29,545          21,174          139.53          17,101          16,184          105.67
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                    Housing Analysis                                                                    
                                                    [Location: Hawaii County, HI, Summer 1994 Survey]                                                   
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual    Total cost DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $11,181         $10,064          111.10          $8,851          $7,825          113.11
Middle income...........................................          15,023          14,185          105.91          10,550          10,117          104.28
Upper income............................................          18,061          21,174           85.30          12,949          16,184           80.01
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                    Housing Analysis                                                                    
                                                    [Location: Kauai County, HI, Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual    Total cost DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $14,197         $10,064          141.07         $10,270          $7,825          131.25
Middle income...........................................          18,438          14,185          129.98          11,740          10,117          116.04
Upper income............................................          22,116          21,174          104.45          15,323          16,184           94.68
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                    Housing Analysis                                                                    
                                                     [Location: Maui County, HI, Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $15,988         $10,064          158.86          $9,327          $7,825          119.19
Middle income...........................................          21,310          14,185          150.23          11,657          10,117          115.22
Upper income............................................          25,626          21,174          121.03          13,951          16,184           86.20
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                                                                                                        

[[Page 61396]]
                                                                    Housing Analysis                                                                    
                                                          [Location: Guam, Summer 1994 Survey]                                                          
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $13,895         $10,064          138.07         $11,533          $7,825          147.39
Middle income...........................................          17,717          14,185          124.90          13,381          10,117          132.26
Upper income............................................          27,066          21,174          127.83          17,847          16,184          110.28
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                                                    Housing Analysis                                                                    
                                                       [Location: Puerto Rico, Summer 1994 Survey]                                                      
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................          $6,769         $10,064           67.26          $6,564          $7,825           83.88
Middle income...........................................           9,106          14,185           64.19          11,758          10,117          116.22
Upper income............................................          13,495          21,174           63.73          17,311          16,184          106.96
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                    Housing Analysis                                                                    
                                                     [Location: Virgin Islands, Summer 1994 Survey]                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $12,820         $10,064          127.38          $9,240          $7,825          118.08
Middle income...........................................          18,383          14,185          129.59          10,967          10,117          108.40
Upper income............................................          22,984          21,174          108.55          16,317          16,184          100.82
--------------------------------------------------------------------------------------------------------------------------------------------------------


                               Appendix 15.--Private Transportation Cost Analysis                               
                                  [Location: Honolulu, HI, Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                  1.5L4 cyl DX 4   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                     dr sedan       4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $822          $1,192          $1,490
Maintenance/oil.................................................             424             476             505
Tires...........................................................             110             141             153
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,786           3,405           2,815
Finance expense.................................................             739             859             901
Insurance.......................................................           1,788           1,752           1,903
                                                                 -----------------------------------------------
    Total annual costs..........................................           6,770           7,940           7,891
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                                    [Location: Hilo, HI, Summer 1994 Survey]                                    
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $882          $1,279          $1,599
Maintenance/oil.................................................             416             422             449
Tires...........................................................             120             168             178
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,629           3,201           3,631
Finance expense.................................................             919             851           1,082

[[Page 61397]]
                                                                                                                
Insurance.......................................................           2,024           2,171           2,366
                                                                 -----------------------------------------------
    Total annual cost...........................................           8,091           8,207           9,429
----------------------------------------------------------------------------------------------------------------



                                      Private Transportation Cost Analysis                                      
                                 [Location: Kailua Kona, HI, Summer 1994 Survey]                                
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $936          $1,358          $1,697
Maintenance/oil.................................................             444             510             478
Tires...........................................................              95             174             139
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,631           3,421           3,613
Finance expense.................................................             755             914           1,106
Insurance.......................................................           1,457           1,368           1,742
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,419           7,860           8,899
----------------------------------------------------------------------------------------------------------------


                             Private Transportation Cost Analysis--Hawaii Composite                             
                                              [Summer 1994 Survey]                                              
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Hilo, HI........................................           83.17          $8,091          $8,207          $9,429
Kailua Kona, HI.................................           16.83           6,419           7,860           8,899
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           7,810           8,149           9,340
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                                    [Location: Kauai, HI, Summer 1994 Survey]                                   
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $882          $1,279          $1,599
Maintenance/oil.................................................             386             427             467
Tires...........................................................              75             112              95
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,463           3,441           4,298
Finance expense.................................................             851             857           1,153
Insurance.......................................................           1,327           1,274           1,596
                                                                 -----------------------------------------------
    Total annual cost...........................................           7,085           7,505           9,332
----------------------------------------------------------------------------------------------------------------


                                                                                                                

[[Page 61398]]
                                      Private Transportation Cost Analysis                                      
                                    [Location: Maui, HI, Summer 1994 Survey]                                    
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $893          $1,295          $1,618
Maintenance/oil.................................................             439             524             500
Tires...........................................................             113             140             149
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,631           3,175           3,907
Finance expense.................................................             786             904           1,209
Insurance.......................................................           1,825           1,825           2,063
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,788           7,978           9,570
----------------------------------------------------------------------------------------------------------------



                                      Private Transportation Cost Analysis                                      
                                       [Location: Guam Summer 1994 Survey]                                      
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $784          $1,137          $1,421
Maintenance/oil.................................................             295             327             414
Tires...........................................................              83             125             203
License and registration........................................              23              25              27
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,504           4,261           2,818
Finance expense.................................................             834           1,223           1,092
Insurance.......................................................           1,088           1,587           1,879
                                                                 -----------------------------------------------
    Total annual cost...........................................           5,611           8,685           7,854
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                                  [Location: Mayaguez, PR, Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $619             897          $1,121
Maintenance/oil.................................................             284             310             429
Tires...........................................................              68             147             113
License and registration........................................              88              88              88
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,980           3,641           3,619
Finance expense.................................................             937           1,091           1,265
Insurance.......................................................           1,224           1,447           1,666
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,200           7,621           8,301
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                                  [Location: San Juan, PR, Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $592            $858          $1,073
Maintenance/oil.................................................             289             308             352
Tires...........................................................              57              96             135
License and registration........................................              88              88              88
Miscellaneous tax...............................................               0               0               0

[[Page 61399]]
                                                                                                                
Depreciation....................................................           3,056           3,622           3,594
Finance expense.................................................             954           1,087           1,260
Insurance.......................................................           1,416           1,616           1,829
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,452           7,675           8,331
----------------------------------------------------------------------------------------------------------------



                           Private Transportation Cost Analysis--Puerto Rico Composite                          
                                              [Summer 1994 Survey]                                              
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
San Juan, PR....................................           88.90          $6,452          $7,675          $8,331
Mayaguez, PR....................................           11.10           6,200           7,621           8,301
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           6,424           7,669           8,328
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                                  [Location: St. Croix, VI, Summer 1994 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $608            $881           1,102
Maintenance/oil.................................................             323             278             396
Tires...........................................................              80             143             133
License and registration........................................              47              56              68
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,809           3,554           3,241
Finance expense.................................................             936           1,115           1,231
Insurance.......................................................           1,876           2,262           2,745
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,679           8,289           8,916
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                                 [Location: St. Thomas, VI, Summer 1994 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $629            $912          $1,140
Maintenance/oil.................................................             345             396             437
Tires...........................................................              86             110             126
License and registration........................................              47              56              68
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,020           3,651           4,121
Finance expense.................................................             862             997           1,251
Insurance.......................................................           1,429           1,477           2,466
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,418           7,599           9,609
----------------------------------------------------------------------------------------------------------------


                                                                                                                

[[Page 61400]]
                         Private Transportation Cost Analysis--Virgin Islands Composite                         
                                              [Summer 1994 Survey]                                              
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
St. Croix, VI...................................           45.09          $6,679          $8,289          $8,916
St. Thomas, VI..................................           54.91           6,418           7,599           9,609
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           6,536           7,910           9,297
----------------------------------------------------------------------------------------------------------------



                                      Private Transportation Cost Analysis                                      
                                [Location: Washington DC, DC Summer 1994 Survey]                                
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $649            $941          $1,177
Maintenance/oil.................................................             444             449             507
Tires...........................................................              48              75              87
License and registration........................................              69              69             102
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,836           3,311           2,887
Finance expense.................................................             568             639             694
Insurance.......................................................           1,558           1,616           1,994
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,172           7,100           7,448
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                               [Location: Washington, DC, MD, Summer 1994 Survey]                               
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $633            $918          $1,147
Maintenance/oil.................................................             389             400             426
Tires...........................................................              78             104             106
License and registration........................................              39              39              39
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,602           3,130           2,725
Finance expense.................................................             530             608             665
Insurance.......................................................             956             982           1,096
                                                                 -----------------------------------------------
    Total annual costs..........................................           5,227           6,181           6,204
----------------------------------------------------------------------------------------------------------------


                                      Private Transportation Cost Analysis                                      
                                [Location: Washington DC, VA, Summer 1994 Survey]                               
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $622            $902          $1,127
Maintenance/oil.................................................             406             489             464
Tires...........................................................              54              72              96
License and registration........................................              52              52              52
Miscellaneous tax...............................................             297             340             491
Depreciation....................................................           2,673           3,213           2,701
Finance expense.................................................             497             570             609

[[Page 61401]]
                                                                                                                
Insurance.......................................................             729             719             773
                                                                 -----------------------------------------------
    Total annual cost...........................................           5,330           6,357           6,313
----------------------------------------------------------------------------------------------------------------



                          Private Transportation Cost Analysis--Washington DC Composite                         
                                              [Summer 1994 Survey]                                              
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr 
----------------------------------------------------------------------------------------------------------------
Washington DC, DC...............................           33.34          $6,172          $7,100          $7,448
Washington DC, MD...............................           33.33           5,227           6,181           6,204
Washington DC, VA...............................           33.33           5,330           6,357           6,313
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           5,576           6,546           6,655
----------------------------------------------------------------------------------------------------------------


                                     Appendix 16.--Auto Insurance Calculation Worksheet--Special Limits Adjustments                                     
                                                                    [Location: Guam]                                                                    
                                                                                                                                                        
                 Allowance area--original values                              Reference area--special limits                         Indexes            
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
                                                                            DC                                                                          
BI 25/50........................     160.33     160.33     160.33  BI 25/50...........     517.40     517.40     504.30      30.99      30.99      31.79
PD 20...........................      In BI      In BI      In BI  PD 10..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      17.67      17.67      17.67  Med................  .........  .........  .........  .........  .........  .........
UM 25/50........................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 100..........................     265.67     422.33     573.33  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     576.67     893.33   1,028.67  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total*....................   1,002.67   1,475.99   1,762.33      Total..........   1,310.90   1,367.75   1,748.30      76.49     107.91     100.80
                                                                            MD                                                                          
                                                                   BI 25/40...........     465.80     465.80     465.80      34.42      34.42      34.42
                                                                   PD 10..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 500.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     916.80     950.62   1,034.50     109.37     155.27     170.36
                                                                            VA                                                                          
                                                                   BI 25/50...........     276.97     282.83     264.97      57.89      56.69      60.51
                                                                   PD 20..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 500.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     619.23     628.35     664.97     161.92     234.90     265.02


--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     176.67     174.93     175.14  BI 100/300.........     638.61     648.61     627.16     197.89     200.99     199.39
PD 50...........................      In BI      In BI      In BI  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      17.67      17.67      17.67  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      50.95      79.17      84.32  UM 100/300.........      71.35      71.35      71.35      54.57      77.00      71.92
CM 100..........................     265.67     422.33     573.33  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     576.67     893.33   1,028.67  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total**...................   1,087.63   1,587.43   1,879.14      Total..........   1,503.46   1,570.31   1,942.51  .........  .........  .........
                                                                            MD                                                                          
                                                                   BI 100/300.........     423.30     400.08     400.08     145.70     137.71     137.71
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........

[[Page 61402]]
                                                                                                                                                        
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      52.00      93.39     104.85
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     921.85     945.05   1,030.33  .........  .........  .........
                                                                            VA                                                                          
                                                                   BI 100/300.........     322.05     328.25     311.25     186.43     186.08     188.33
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      46.28      67.13      76.19
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     692.89     702.35     740.00  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable BI/PD coverage was priced in the allowance and in the reference area, and premiums were compared to derive indexes. These indexes were
  used to estimate the cost of equivalent coverage in allowance area. Uninsured Motorist premiums were adjusted using the relative total cost of        
  premiums (less Medical coverage where applicable), and Medical premiums were not adjusted because they were not part of the reference area normal     
  coverage.                                                                                                                                             
*Less Medical.                                                                                                                                          
**Including Medical.                                                                                                                                    



                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments                                            
                                                                  [Location: Mayaguez]                                                                  
                                                                                                                                                        
                 Allowance area--original values                              Reference area--special limits                         Indexes            
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
                                                                            DC                                                                          
BI 100/300......................     153.77     153.77     153.77  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD 50...........................     133.83     133.83     133.83  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................       5.40       5.40       5.40  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................  .........  .........  .........  UM 100/300.........  .........  .........  .........  .........  .........  .........
CM 100..........................     414.23     558.53     700.27  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 250..........................     459.77     523.60     598.03  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total*....................   1,161.60   1,369.73   1,585.90    Total............   1,432.11   1,498.96   1,871.16      81.11      91.38      84.75
                                                                            MD                                                                          
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     874.30     884.90     968.78     132.86     154.79     163.70
                                                                            VA                                                                          
                                                                   Bl 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In Bl      In Bl      In Bl  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     664.31     673.77     711.25     174.86     203.29     222.97


--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     153.77     153.77     153.77  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD50............................     133.83     133.83     133.83  PD50...............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................       5.40       5.40       5.40  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      57.01      72.14      75.11  UM 100/30..........      71.35      71.35      71.35      57.87      65.20      60.47
CM 100..........................     414.23     558.53     700.27  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     459.77      523.6     598.03  CL 250.............     524.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
    Total**.....................   1,224.01   1,447.27   1,666.41    Total............   1,503.46   1,570.31   1,942.51  .........  .........  .........
                                                                            MD                                                                          
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD50...............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/30..........      47.55      60.15      61.55      63.18      93.11     100.76
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     921.85     945.05   1,030.33  .........  .........  .........
                                                                            VA          .........  .........  .........  .........  .........  .........
                                                                   BI 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........

[[Page 61403]]
                                                                                                                                                        
                                                                   UM 100/30..........      28.58      28.58      28.75      49.97      58.10      64.10
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     692.89     702.35     740.00  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced  
  in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less than Medical and Uninsured Motorist
  premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference area Uninsured Motorist premiums.     
*Less Medical                                                                                                                                           
**Including Medical                                                                                                                                     



                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments                                            
                                                                  [Location: San Juan]                                                                  
                                                                                                                                                        
                 Allowance area--original values                              Reference area--special limits                         Indexes            
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
                                                                            DC                                                                          
BI 100/300......................     180.80     180.80     180.80  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD 50...........................     151.30     151.30     151.30  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................       7.67       7.67       7.67  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................  .........  .........  .........  UM 100/300.........  .........  .........  .........  .........  .........  .........
CM 100..........................     549.50     689.73     840.00  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 250..........................     460.90     505.67     566.73  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total*....................   1,342.50   1,527.50   1,738.83    Total............   1,432.11   1,498.96   1,871.16      93.74     101.90      92.93
                                                                            MD                                                                          
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     874.30     884.90     968.78     153.55     172.62     179.49
                                                                            VA                                                                          
                                                                   BI 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     664.31     673.77     711.25     202.09     226.71     244.48


--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     180.80     180.80     180.80  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD 50...........................     151.30     151.30     151.30  PD 500.............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................       7.67       7.67       7.67  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      65.89      80.44      82.35  UM 100/300.........      71.35      71.35      71.35      66.89      72.71      66.30
CM 100..........................     549.50     689.73     840.00  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     460.90     505.67     566.73  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
    Total**.....................   1,416.06   1,615.61   1,828.85    Total............   1,503.46   1,570.31   1,942.51  .........  .........  .........
                                                                            MD                                                                          
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      73.01     103.83     110.47
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     921.85     945.05   1,030.33  .........  .........  .........
                                                                            VA                                                                          
                                                                   BI 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      57.76      64.79      70.29
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     692.89     702.35     740.00  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced  
  in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical and Uninsured Motorist     
  premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference are Uninsured Motorist premiums.      
*Less Medical                                                                                                                                           
**Including Medical                                                                                                                                     


                                                                                                                                                        

[[Page 61404]]
                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments                                            
                                                                  [Location: St. Croix]                                                                 
                                                                                                                                                        
                 Allowance area--original values                              Reference area--special limits                         Indexes            
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
                                                                            DC                                                                          
BI 10/20........................     339.61     336.76     296.00  BI 25/50...........     517.40     517.40     504.30      65.64      65.09      58.70
PD 10...........................      In BI      In BI      In BI  PD 10..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................      41.17      40.84      40.00  Med................  .........  .........  .........  .........  .........  .........
UM..............................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 250..........................     392.07     422.37     571.34  CM 500.............     171.92     164.82     307.50     228.05     256.26     185.80
CL 500..........................     781.63     984.36   1,321.19  CL 500.............     432.14     443.99     579.63     180.87     221.71     227.94
                                 ---------------------------------                     -----------------------------------------------------------------
    Total*......................   1,513.31   1,743.49   2,188.53  Total..............   1,121.46   1,126.21   1,391.43     134.94     154.81     157.29
                                                                            MD                                                                          
                                                                   BI 25/40...........     465.80     465.80     465.80      72.91      72.30      63.55
                                                                   PD 10..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     109.20     107.30     155.30     359.04     393.63     367.89
                                                                   CL 500.............     364.80     337.80     423.20     214.26     291.40     312.19
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     939.80     910.90   1,044.30     161.02     191.40     209.57
                                                                            VA                                                                          
                                                                   BI 25/50...........     276.97     282.83     264.97     122.62     119.07     111.71
                                                                   PD 20..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............      73.95      77.50     106.47     530.18     544.99     536.62
                                                                   CL 500.............     211.03     208.87     225.78     370.39     471.28     585.17
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     561.95     569.20     597.22     269.30     306.31     366.45



--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     374.23     367.42     323.25  BI 100/300.........     638.61     648.61     627.16     419.17     422.16     368.11
PD 50...........................      In BI      In BI      In BI  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      41.17      40.84      40.00  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      83.27     104.38     115.52  UM 100/300.........      71.35      71.35      71.35      96.28     110.46     112.22
CM 100..........................     519.46     612.50     742.92  CM 100.............     251.26     261.91     441.14     573.01     671.17     819.65
CL 200..........................     857.46   1,136.83   1,523.21  CL 250.............     542.24     588.44     802.86     980.77   1,304.62   1,830.01
                                 ---------------------------------                     -----------------------------------------------------------------
    Total**.....................   1,875.58   2,261.96   2,745.00  Total..............   1,503.46   1,570.31   1,942.51   2,069.23   2,508.41   3,130.00
                                                                            MD                                                                          
                                                                   BI 100/300.........     423.30     400.08     400.08     308.62     289.25     254.24
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      76.57     115.13     128.99
                                                                   CM 100.............     125.70     149.62     179.92     451.31     588.96     661.92
                                                                   CL 250.............     325.30     335.20     388.78     697.00     976.78   1,213.73
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     921.85     945.05   1,030.33   1,533.50   1,970.11   2,258.88
                                                                            VA                                                                          
                                                                   BI 100/300.........     322.05     328.25     311.25     394.89     390.84     347.70
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A       N./A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      76.96      87.54     105.36
                                                                   CM 100.............     100.73     105.94     139.24     534.05     577.37     747.19
                                                                   CL 250.............     241.53     239.58     260.76     894.60   1,129.09   1,525.88
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     692.89     702.35     740.00   1,900.50   2,184.84   2,726.13
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of     
  coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent       
  coverage in allownace area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less       
  Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference to normal coverage.     
*Less Medical                                                                                                                                           
**Including Medical                                                                                                                                     


                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments                                            
                                                                 [Location: St. Thomas]                                                                 
                                                                                                                                                        
                 Allowance area--original values                              Reference area--special limits                         Indexes            
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
                                                                            DC                                                                          
BI 10/20........................     277.81     278.39     296.00  BI 25/50...........     517.40     517.40     504.30      53.69      53.81      58.70
PD 10...........................      In BI      In BI      In BI  PD 10..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................      38.20      38.19      48.00  Med................  .........  .........  .........  .........  .........  .........
UM..............................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 250..........................     304.29     293.46     388.00  CM 500.............     171.92     164.82     307.50     177.00     178.05     126.18

[[Page 61405]]
                                                                                                                                                        
CL 500..........................     563.66     555.77   1,289.00  CL 500.............     432.14     443.99     579.63     130.43     125.18     222.38
                                 ---------------------------------                     -----------------------------------------------------------------
    Total*......................   1,145.76   1,127.62   1,973.00      Total..........   1,121.46   1,126.21   1,391.43     102.17     100.13     141.80
                                                                            MD                                                                          
                                                                   BI 25/40...........     465.80     465.80     465.80      59.64      59.77      63.55
                                                                   PD 10..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     109.20     107.30     155.30     278.65     273.49     249.84
                                                                   CL 500.............     364.80     337.80     423.20     154.51     164.53     304.58
                                 ---------------------------------                     -----------------------------------------------------------------
                                                                       Total..........     939.80     910.90   1,044.30     121.92     123.79     188.93
                                                                            VA                                                                          
                                                                   BI 25/50...........     276.97     282.83     264.97     100.30      98.43     111.71
                                                                   PD 20..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............      73.95      77.50     106.47     411.48     378.66     364.42
                                                                   CL 500.............     211.03     208.87     225.78     267.10     266.08     570.91
                                 ---------------------------------                     -----------------------------------------------------------------
                                                                       Total..........     561.95     569.20     597.22     203.89     198.11     330.36



--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     306.13     303.73     323.35  BI 100/300.........     638.61     648.61     627.16     342.89     348.99     368.11
PD 50...........................      In BI      In BI      In BI  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      38.20      38.19      48.00  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      63.05      67.51     104.15  UM 100/300.........      71.35      71.35      71.35      72.90      71.44     101.17
CM 100..........................     403.16     425.56     504.52  CM 100.............     251.26     261.91     441.14     444.72     466.33     556.63
CL 200..........................     618.34     641.85   1,486.10  CL 250.............     542.24     588.44     802.85     707.27     736.59   1,785.43
                                 ---------------------------------                     -----------------------------------------------------------------
      Total**...................   1,428.87   1,476.84   2,466.11      Total..........   1,503.46   1,570.31   1,942.51   1,567.77   1,623.34   2,811.34
                                                                            MD                                                                          
                                                                   BI 100/300.........     423.30     400.08     400.08     252.46     239.11     254.24
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      57.97      74.46     116.29
                                                                   CM 100.............     125.70     149.62     179.92     350.27     409.20     449.51
                                                                   CL 250.............     325.30     335.20     388.78     502.63     551.49   1,184.16
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     921.85     945.05   1,030.33   1,163.33   1,274.27   2,004.20
                                                                            VA                                                                          
                                                                   BI 100/300.........     322.05     328.25     311.25     323.03     323.10     347.70
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      58.27      56.62      94.98
                                                                   CM 100.............     100.73     105.94     139.24     414.48     401.15     507.42
                                                                   CL 250.............     241.53     239.58     260.76     645.13     637.48   1,488.70
                                                                  --------------------------------------------------------------------------------------
                                                                       Total..........     692.89     702.35     740.00   1,440.91   1,418.35   2,438.80
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of     
  coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent       
  coverage in allowance area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less       
  Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference are normal coverage.    
*Less Medical                                                                                                                                           
**Including Medical                                                                                                                                     


             Appendix 17.--Air Fares and Other Transportation Expenses Cost Analysis Summary Program            
                                              [Summer 1994 Survey]                                              
----------------------------------------------------------------------------------------------------------------
                                                                   Air fares and                                
                                                                       other       Total cost DC                
                            Location                              transportation       area            Index    
                                                                   expenses cost                                
----------------------------------------------------------------------------------------------------------------
Honolulu, HI....................................................            $289            $441           65.53
Hawaii County, HI...............................................             427             441           96.83
Kauai County, HI................................................             419             441           95.01
Maui County, HI.................................................             429             441           97.28
Guam............................................................            1171             441          265.53
Puerto Rico.....................................................             639             441          144.90
Virgin Islands..................................................             697             441          158.05
----------------------------------------------------------------------------------------------------------------


                                                                                                                

[[Page 61406]]
         Air Fares and Other Transportation Expenses Composites         
                          [Summer 1994 Survey]                          
------------------------------------------------------------------------
                Location                      Weights          Cost     
------------------------------------------------------------------------
San Juan, PR............................           88.90            $639
Mayaguez, PR............................           11.10             639
                                         -------------------------------
    Total Weight........................          100.00  ..............
                                         ===============================
Puerto Rico cost........................  ..............             639
Hilo, HI................................           83.17             429
Kailua Kona, HI.........................           16.83             419
                                         -------------------------------
    Total Weight........................          100.00  ..............
                                         ===============================
Hawaii County, HI cost..................  ..............             427
St. Croix, VI...........................           45.09             697
St. Thomas, VI..........................           54.91             697
                                         -------------------------------
    Total Weight........................          100.00  ..............
                                         ===============================
Virgin Islands cost.....................  ..............             697
------------------------------------------------------------------------



                                      Appendix 18.--Transportation Analysis                                     
                                  [Location: Honolulu, HI; Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                             Vehicle                                   cost            area            Index    
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................           6,770           5,576          121.41
2. Fort Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,940           6,546          121.30
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           7,891           6,655          118.57
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          120.43
----------------------------------------------------------------------------------------------------------------


                                                                 Transportation Summary                                                                 
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       120.43        94.64       113.98        93.54       112.65        92.47       111.36
Air fares and other transportation expenses..................        65.53         5.36         3.51         6.46         4.23         7.53         4.93
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       117.49  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       116.88  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       116.29
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                             Transportation Analysis                                            
                                [Location: Hawaii County, HI; Summer 1994 Survey]                               
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                             Vehicle                                   cost            area            Index    
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $7,810          $5,576          140.06
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           8,149           6,546          124.49
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,340           6,655          140.35
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          134.97
----------------------------------------------------------------------------------------------------------------


                                                                 Transportation Summary                                                                 
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       134.97        94.64       127.74        93.54       126.26        92.47      124.81 

[[Page 61407]]
                                                                                                                                                        
Air fares and other transportation expenses..................        96.83         5.36         5.19         6.46         6.25         7.53         7.29
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       132.93  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       132.51  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       132.10
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                             Transportation Analysis                                            
                                [Location: Kauai County, HI; Summer 1994 Survey]                                
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                             Vehicle                                   cost            area            Index    
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4cyl............................          $7,085          $5,576          127.06
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,505           6,546          114.65
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,332           6,655          140.23
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          127.31
----------------------------------------------------------------------------------------------------------------


                                                                 Transportation Summary                                                                 
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       127.31        94.64       120.49        93.54       119.09        92.47       117.72
Air fares and other transportation expenses..................        95.01         5.36         5.09         6.46         6.13         7.53         7.15
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       125.58  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       125.22  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       124.87
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                             Transportation Analysis                                            
                                 [Location: Maui County, HI; Summer 1994 Survey]                                
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                             Vehicle                                   cost            area            Index    
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $6,788          $5,576          121.74
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,978           6,546          121.88
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,570           6,655          143.80
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          129.14
----------------------------------------------------------------------------------------------------------------


                                                                 Transportation Summary                                                                 
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       129.14        94.64       122.22        93.54       120.80        92.47       119.42
Air fares and other transportation expenses..................        97.28         5.36         5.21         6.46         6.28         7.53         7.32
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       127.43  ...........  ...........  ...........  ...........

[[Page 61408]]
                                                                                                                                                        
      Middle.................................................  ...........  ...........  ...........  ...........       127.08  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       126.74
--------------------------------------------------------------------------------------------------------------------------------------------------------



                                             Transportation Analysis                                            
                                      [Location: Guam; Summer 1994 Survey]                                      
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                             Vehicle                                   cost            area            Index    
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $5,611          $5,576          100.63
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           8,685           6,546          132.68
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           7,854           6,655          118.02
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          117.11
----------------------------------------------------------------------------------------------------------------


                                                                 Transportation Summary                                                                 
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       117.11        94.64       110.84        93.54       109.55        92.47       108.29
Air fares and other transportation expenses..................       265.53         5.36        14.22         6.46        17.14         7.53        19.99
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       125.06  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       126.69  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       128.28
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                             Transportation Analysis                                            
                                   [Location: Puerto Rico; Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                             Vehicle                                   cost            area            Index    
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $6,424          $5,576          115.21
2. Ford Taurus GL 4 dr Sedan 3.0L 6 cyl.........................           7,669           6,549          117.16
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           8,328           6,655          125.14
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          119.17
----------------------------------------------------------------------------------------------------------------


                                                                 Transportation Summary                                                                 
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       119.17        94.64       112.79        93.54       111.48        92.47       110.20
Air Fares and other transportation expenses..................       144.90         5.36         7.76         6.46         9.35         7.53        10.31
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       120.55  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       120.83  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       121.11
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                                                                                                        

[[Page 61409]]
                                             Transportation Analysis                                            
                                 [Location: Virgin Islands; Summer 1994 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                             Vehicle                                   cost            area            Index    
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $6,536          $5,576          117.22
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,910           6,546          120.84
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,297           6,655          139.70
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          125.92
----------------------------------------------------------------------------------------------------------------



                                                                 Transportation Summary                                                                 
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       125.92        94.64       119.18        93.54       117.79        92.47       116.44
Air fares and other transportation expenses..................       158.05         5.36         8.47         6.46        10.20         7.53        11.90
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       127.65  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       127.99  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       128.34
--------------------------------------------------------------------------------------------------------------------------------------------------------


                     Appendix 19--Miscellaneous Expense Analysis--Category Index Development                    
                                  [Location: Honolulu, HI; Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       104.94
Nonprescription pain reliever.....       8.3800       5.5800       1.5018          4.9         7.36  ...........
Tetracycline......................       5.9200       5.3000       1.1170         12.2        13.66  ...........
Vision check......................      67.2400      51.1700       1.3141          5.5         7.17  ...........
Dental service....................     128.0000     108.5600       1.1791         16.1        18.97  ...........
Doctor visit......................      38.9600      55.8300       0.6978         15.9        11.11  ...........
Hospital room.....................     581.5000     445.2300       1.3061          4.1         5.37  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       104.94        41.50        43.55        31.33        32.87        23.51        24.68
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       116.33        15.80        18.38         0.00         0.00         0.00         0.00
    Middle income............................................       115.43         0.00         0.00        16.85        19.45         0.00         0.00
    Upper income.............................................       114.55         0.00         0.00         0.00         0.00        17.65        20.22
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........       104.63  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       104.14  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       103.73
--------------------------------------------------------------------------------------------------------------------------------------------------------


                           Miscellaneous Expense Analysis--Category Index Development                           
                                    [Location: Hilo, HI; Summer 1994 Survey]                                    
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       105.53
Nonprescription pain reliever.....       7.4600       5.5800       1.3369          4.9         6.55  ...........

[[Page 61410]]
                                                                                                                
Tetracycline......................       6.6000       5.3000       1.2453         12.2        15.23  ...........
Vision check......................      67.6000      51.1700       1.3211          5.5         7.21  ...........
Dental service....................     133.0000     108.5600       1.2251         16.1        19.71  ...........
Doctor visit......................      37.0000      55.8300       0.6627         15.9        10.55  ...........
Hospital room.....................     539.0000     445.2300       1.2106          4.1         4.98  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------



                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       105.53        41.50        43.79        31.33        33.06        23.51        24.81
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       115.28        15.80        18.21         0.00         0.00         0.00         0.00
    Middle income............................................       114.53         0.00         0.00        16.85        19.30         0.00         0.00
    Upper income.............................................       113.81         0.00         0.00         0.00         0.00        17.65        20.09
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:                                                                                                                                    
        Lower................................................  ...........  ...........       104.70  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       104.18  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       103.73
--------------------------------------------------------------------------------------------------------------------------------------------------------


                           Miscellaneous Expense Analysis--Category Index Development                           
                                 [Location: Kailua Kona, HI; Summer 1994 Survey]                                
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       116.44
Nonprescription pain reliever.....       8.5700       5.5800       1.5358          4.9         7.53  ...........
Tetracycline......................       7.1400       5.3000       1.3472         12.2        16.48  ...........
Vision check......................      65.0000      51.1700       1.2703          5.5         6.94  ...........
Dental service....................     156.7000     108.5600       1.4434         16.1        23.22  ...........
Doctor visit......................      57.3300      55.8300       1.0269         15.9        16.35  ...........
Hospital room.....................     500.0000     445.2300       1.1230          4.1         4.62  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                      Lower                 Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       116.44        41.50        48.32        31.33        36.48        23.51        27.38
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       116.07        15.80        18.34         0.00         0.00         0.00         0.00
    Middle income............................................       115.35         0.00         0.00        16.85        19.44         0.00         0.00
    Upper income.............................................       114.63         0.00         0.00         0.00         0.00        17.65        20.24
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:                                                                                                                                    
        Lower................................................  ...........  ...........       109.36  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       107.74  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       106.45
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                                                                                                        

[[Page 61411]]
         Miscellaneous Expense Analysis--Hawaii County Composite        
                          [Summer 1994 Survey]                          
------------------------------------------------------------------------
                                                  Total indexes         
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper  
                                           income     income     income 
------------------------------------------------------------------------
Hilo, HI....................      83.17     104.70     104.18     103.73
Kailua Kona, HI.............      16.83     109.36     107.74     106.45
                             -------------------------------------------
    Total weight............     100.00  .........  .........  .........
    Composite indexes.......  .........     105.48     104.78     104.19
------------------------------------------------------------------------



                            Miscellaneous Expense Account--Category Index Development                           
                                [Location: Kauai County, HI; Summer 1994 Survey]                                
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       110.96
Nonprescription pain reliever.....       8.6200       5.5800       1.5448          4.9         7.57  ...........
Tetracycline......................       7.3700       5.3000       1.3906         12.2        17.01  ...........
Vision check......................      63.0000      51.1700       1.2312          5.5         6.72  ...........
Dental service....................     142.6700     108.5600       1.3142         16.1        21.15  ...........
Doctor visit......................      42.9000      55.8300       0.7684         15.9        12.23  ...........
Hospital room.....................     539.0000     445.2300       1.2106          4.1         4.98  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       110.96        41.50        46.05        31.33        34.76        23.51        26.09
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       119.18        15.80        18.83         0.00         0.00         0.00         0.00
    Middle income............................................       118.11         0.00         0.00        16.85        19.90         0.00         0.00
    Upper income.............................................       117.09         0.00         0.00         0.00         0.00        17.65        20.67
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:                                                                                                                                    
        Lower................................................  ...........  ...........       107.58  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       106.48  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       105.59
--------------------------------------------------------------------------------------------------------------------------------------------------------


                           Miscellaneous Expense Analysis--Category Index Development                           
                                 [Location: Maui County, HI; Summer 1994 Survey]                                
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       114.37
Nonprescription pain reliever.....       9.3100       5.5800       1.6685          4.9         8.18  ...........
Tetracycline......................       6.5600       5.3000       1.2377         12.2        15.14  ...........
Vision check......................      55.7300      51.1700       1.0891          5.5         5.95  ...........
Dental service....................     159.4200     108.5600       1.4685         16.1        23.63  ...........
Doctor visit......................      53.2700      55.8300       0.9541         15.9        15.19  ...........
Hospital room.....................     539.0000     445.2300       1.2106          4.1         4.98  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                 Total Index Development                                                                
                                                     [Location: Maui County, HI; Summer 1994 Survey]                                                    
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       114.37        41.50        47.46        31.33        35.83        23.51        26.89

[[Page 61412]]
                                                                                                                                                        
2. Cash contributions:                                         ...........  ...........  ...........  ...........  ...........  ...........         0.00
    Lower income.............................................       120.24        15.80        19.00         0.00         0.00         0.00         0.00
    Middle income............................................       119.37         0.00         0.00        16.85        20.11         0.00         0.00
    Upper income.............................................       118.54         0.00         0.00         0.00         0.00        17.65        20.93
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:                                                                                                                                    
        Lower................................................  ...........  ...........       109.16  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       107.76  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       106.65
--------------------------------------------------------------------------------------------------------------------------------------------------------



                           Miscellaneous Expense Analysis--Category Index Development                           
                                      [Location: Guam; Summer 1994 Survey]                                      
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       100.03
Nonprescription pain reliever.....       9.6100       5.5800       1.7222          4.9         8.44  ...........
Tetracycline......................       4.3000       5.3000       0.8113         12.2         9.92  ...........
Vision check......................      20.0000      51.1700       0.3909          5.5         2.13  ...........
Dental service....................     172.0000     108.5600       1.5844         16.1        25.49  ...........
Doctor visit......................      37.3300      55.8300       0.6686         15.9        10.64  ...........
Hospital room.....................     229.0000     445.2300       0.5143          4.1         2.11  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       100.03        41.50        41.51        31.33        31.34        23.51        23.52
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       115.98        15.80        18.33         0.00         0.00         0.00         0.00
    Middle income............................................       116.04         0.00         0.00        16.85        19.55         0.00         0.00
    Upper income.............................................       116.11         0.00         0.00         0.00         0.00        17.65        20.50
3. Personal Insurance/Pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:                                                                                                                                    
        Lower................................................  ...........  ...........       102.54  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       102.71  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       102.85
--------------------------------------------------------------------------------------------------------------------------------------------------------


                           Miscellaneous Expense Analysis--Category Index Development                           
                                  [Location: Mayaguez, PR; Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........        76.60
Nonprescription pain reliever.....       5.9500       5.5800       1.0663          4.9         5.22  ...........
Tetracycline......................       3.4300       5.3000       0.6472         12.2         7.92  ...........
Vision check......................      26.6700      51.1700       0.5212          5.5         2.85  ...........
Dental service....................      73.3300     108.5600       0.6755         16.1        10.87  ...........
Doctor visit......................      21.6700      55.8300       0.3881         15.9         6.18  ...........
Hospital room.....................     245.0000     445.2300       0.5503          4.1         2.26  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                                                                

[[Page 61413]]
                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................        76.60        41.50        31.79        31.33        24.00        23.51        18.01
2. Cash contributions:                                                                                                                                  
    Lower income.............................................        93.40        15.80        14.76         0.00         0.00         0.00         0.00
    Middle income............................................        92.90         0.00         0.00        16.85        15.65         0.00         0.00
    Upper income.............................................        92.40         0.00         0.00         0.00         0.00        17.65        16.31
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........        89.25  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........        91.47  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........        93.15
--------------------------------------------------------------------------------------------------------------------------------------------------------



                           Miscellaneous Expense Analysis--Category Index Development                           
                                  [Location: San Juan, PR; Summer 1994 Survey]                                  
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........        77.79
Nonprescription pain reliever.....       5.5100       5.5800       0.9875          4.9         4.84  ...........
Tetracycline......................       3.4300       5.3000       0.6472         12.2         7.92  ...........
Vision check......................      32.5000      51.1700       0.6351          5.5         3.47  ...........
Dental service....................      65.0000     108.5600       0.5987         16.1         9.63  ...........
Doctor visit......................      30.0000      55.8300       0.5373         15.9         8.55  ...........
Hospital room.....................     225.0000     445.2300       0.5054          4.1         2.08  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................        77.79        41.50        32.28        31.33        24.37        23.51        18.29
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       103.10        15.80        16.29         0.00         0.00         0.00         0.00
    Middle income............................................       103.14         0.00         0.00        16.85        17.38         0.00         0.00
    Upper income.............................................       103.17         0.00         0.00         0.00         0.00        17.65        18.21
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........      100.000  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                                                                                                                      
      Lower..................................................  ...........  ...........        91.27  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........        93.57  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........        95.33
--------------------------------------------------------------------------------------------------------------------------------------------------------


          Miscellaneous Expense Analysis--Puerto Rico Composite         
                          [Summer 1994 Survey]                          
------------------------------------------------------------------------
                                                  Total indexes         
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper  
                                           income     income     income 
------------------------------------------------------------------------
San Juan, PR................      88.90      91.27      93.57      95.33
Mayaguez, PR................      11.10      89.25      91.47      93.15
                             -------------------------------------------
      Total weight..........     100.00  .........  .........  .........
      Composite indexes.....  .........      91.05      93.34      95.09
------------------------------------------------------------------------


                                                                        

[[Page 61414]]
                           Miscellaneous Expense Analysis--Category Index Development                           
                                  [Location: St. Croix, VI; Summer 1994 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         Area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........        84.45
Nonprescription pain reliever.....       6.1600       5.5800       1.1039          4.9         5.41  ...........
Tetracycline......................       5.9300       5.3000       1.1189         12.2        13.68  ...........
Vision check......................      46.6700      51.1700       0.9121          5.5         4.98  ...........
Dental service....................      57.3300     108.5600       0.5281         16.1         8.50  ...........
Doctor visit......................      30.0000      55.8300       0.5373         15.9         8.55  ...........
Hospital room.....................     220.0000     445.2300       0.4941          4.1         2.03  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------



                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................        84.45        41.50        35.04        31.33        26.46        23.51        19.86
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       105.06        15.80        16.60         0.00         0.00         0.00         0.00
    Middle income............................................       104.67         0.00         0.00        16.85        17.64         0.00         0.00
    Upper income.............................................       104.27         0.00         0.00         0.00         0.00        17.65        18.41
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:                                                                                                                                    
        Lower................................................  ...........  ...........        94.34  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........        95.92  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........        97.10
--------------------------------------------------------------------------------------------------------------------------------------------------------


                           Miscellaneous Expense Analysis--Category Index Development                           
                                 [Location: St. Thomas, VI; Summer 1994 Survey]                                 
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
           Category/item               Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       126.87
Nonprescription pain reliever.....       8.0500       5.5800       1.4427          4.9         7.07  ...........
Tetracycline......................      16.1400       5.3000       3.0453         12.2        37.24  ...........
Vision check......................      45.0000      51.1700       0.8794          5.5         4.80  ...........
Dental service....................      97.0000     108.5600       0.8935         16.1        14.38  ...........
Doctor visist.....................      63.3300      55.8300       1.1343         15.9        18.06  ...........
Hospital room.....................     435.0000     445.2300       0.9770          4.1         4.02  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------


                                                                 Total Index Development                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       126.87        41.50        52.65        31.33        39.74        23.51        29.83
2. Cash contributions:                                                                                                                                  
    Lower income.............................................       108.23        15.80        17.10         0.00         0.00         0.00         0.00
    Middle income............................................       108.20         0.00         0.00        16.85        18.23         0.00         0.00
    Upper income.............................................       108.11         0.00         0.00         0.00         0.00        17.65        19.09
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:                                                                                                                                    
        Lower................................................  ...........  ...........       112.45  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       109.79  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       107.75
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                                                                                                                        

[[Page 61415]]
        Miscellaneous Expense Analysis--Virgin Islands Composite        
                          [Summer 1994 Survey]                          
------------------------------------------------------------------------
                                                  Total indexes         
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper  
                                           income     income     income 
------------------------------------------------------------------------
St. Croix, VI...............      45.09      94.34      95.92      97.10
St. Thomas, VI..............      54.91     112.45     109.79     107.75
                             -------------------------------------------
      Total weight..........     100.00  .........  .........  .........
      Composite indexes.....                104.28     103.54     102.95
------------------------------------------------------------------------



BILLING CODE 6325-01-U-M

[[Page 61416]]
[GRAPHIC][TIFF OMITTED]TN29NO95.005



[[Page 61417]]
[GRAPHIC][TIFF OMITTED]TN29NO95.006



[FR Doc. 95-28905 Filed 11-28-95; 8:45 am]
BILLING CODE 6325-01-U-M