[Federal Register Volume 62, Number 57 (Tuesday, March 25, 1997)]
[Notices]
[Pages 14190-14273]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 97-7362]



  Federal Register / Vol. 62, No. 57 / Tuesday, March 25, 1997 / 
Notices  

[[Page 14190]]



OFFICE OF PERSONNEL MANAGEMENT


Report on 1996 Surveys Used to Determine Cost-of-Living 
Allowances in Nonforeign Areas

AGENCY: Office of Personnel Management.

ACTION: Notice.

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

SUMMARY: This notice publishes the ``Report on 1996 Surveys Used to 
Determine Cost-of-Living Allowances in Nonforeign Areas.'' The surveys 
were conducted by Runzheimer International under contract with the 
Office of Personnel Management (OPM). The analyses and report were 
prepared by OPM. The results of the surveys are used to determine cost-
of-living allowances (COLA's) paid to General Schedule, U.S. Postal 
Service, and certain other Federal employees in Alaska, Hawaii, Guam 
and the Commonwealth of the Northern Mariana Islands, Puerto Rico, and 
the U.S. Virgin Islands. This report provides the basis for the 
increases in certain COLA rates being published by OPM in the interim 
rulemaking immediately preceding this notice.

DATES: Comments must be received on or before June 23, 1997.

ADDRESSES:  Send or deliver comments to Donald J.Winstead, Assistant 
Director for 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, or email comments over 
the Internet to [email protected].

FOR FURTHER INFORMATION CONTACT: Donald L. Paquin, (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, the Office of Personnel 
Management (OPM) is publishing the complete ``Report On 1996 Surveys 
Used to Determine Cost-of-Living Allowances in Nonforeign Areas'' with 
this notice. The surveys were conducted by Runzheimer International 
under Government contract OPM-95-97012. OPM performed the analyses of 
survey data and prepared this report, which explains in detail the 
methodologies, calculations, and findings of the 1996 COLA surveys.

Survey Results

    OPM 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.) The 
results of the surveys show that the COLA rate for Kauai, HI, should be 
increased from its current level of 20.0 percent to 22.5 percent and 
that the COLA rate for the U.S. Virgin Islands should be increased from 
17.5 percent to 20.0 percent. The survey results also show that the 
COLA rates for three areas are currently at the appropriate levels, and 
that the COLA rates in seven areas are above levels warranted by the 
living-cost indexes. 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, 1998. 
Therefore, OPM is not proposing any COLA rate reductions.

Comments on Prior Surveys

    OPM published the report on the Summer 1994 surveys in Hawaii, 
Guam, Puerto Rico, U.S. Virgin Islands, and the Washington, DC, area in 
the Federal Register (60 FR 61332) on November 29, 1995. OPM published 
the report on the Winter 1995 surveys in Alaska and the Washington, DC, 
area in the Federal Register (61 FR 4070) on February 2, 1996. OPM 
received 6 comments on the Summer 1994 surveys and 77 comments on the 
Winter 1995 surveys.
     Most of the commenters believed the surveys did not fully consider 
the expenses incurred in the allowance areas. Many noted 
dissimilarities between the allowance areas and the Washington, DC, 
area that they felt were either not accounted for in the surveys or 
that affected the accuracy of the results of the surveys. These 
differences included --
--Goods and services typically found in the Washington, DC, area that 
are not available in the allowance areas, the cost to obtain these 
goods and services in the allowance areas (e.g., shipping fees), and 
the quality of the goods and services that are available;
--Goods and services typically purchased in the allowance areas that 
are not typically purchased in the Washington, DC, area;
--Variations in spending patterns between the Washington, DC, area and 
the allowance areas;
--Hardships encountered under adverse climate conditions;
--Climate influences on automobile purchase, maintenance, and 
insurance;
--The frequency and cost of air travel in the allowance areas and the 
use of Los Angeles for comparison in the measurement of air fares;
--Transportation alternatives (e.g., bus, train, subway) available in 
the Washington, DC, area that are not available or are limited in the 
allowance areas;
--House size, selection, necessary features, purchase price, storage 
needs, and maintenance as determined by climate and availability;
--The additional need for travel, lodging, and out-of-pocket expenses 
for quality medical care in the allowance areas;
--Recreational expenses in the allowance areas; and
--Out-of-area colleges and quality of local schools.
     OPM has committed itself to two major initiatives that it believes 
will serve as a forum for examining many of the concerns raised by the 
commenters and lead to significant improvements in the COLA survey 
process. These two initiatives are discussed below.

Safe Harbor Process and Report to Congress

    OPM has entered into a memorandum of understanding with litigants 
in the cases of  Alaniz v.  Office of Personnel Management and  
Karamatsu v.  United States that commits OPM and the plaintiffs to a 
``Safe Harbor'' process for conducting studies relating to the COLA 
program and the compensation of Federal employees in the allowance 
areas. The purpose is to resolve issues that have long been contended 
in the COLA program and to assist OPM as it prepares its report to 
Congress on the COLA program, which is required by the Treasury, Postal 
Service, and General Government Appropriations Act, 1992 (Public Law 
102-141), as amended. That report is currently due by March 1, 1998. 
OPM anticipates that the studies will examine many of the issues raised 
by the comments on the Summer 1994 and Winter 1995 survey reports and 
will produce a number of valuable recommendations for improving the 
COLA program.

COLA Partnership

    OPM has established a pilot project to involve agencies and 
employee representatives directly in a partnership to help plan and 
conduct COLA surveys, explore ways to improve the COLA program, and to 
help everyone, including OPM, better understand issues related to the 
compensation of Federal employees in the COLA areas. (Final regulations 
for the pilot project were published on November 21, 1996, at 61 FR 
59173.) Under the 2-year pilot project, five partnership committees are 
being formed--one each in Alaska, Hawaii, Guam, Puerto Rico, and the 
U.S. Virgin Islands. Regulations also allow for the formation of 
subcommittees in

[[Page 14191]]

the individual allowance areas. Committee functions are expected to 
include:
--Advising and assisting OPM in planning living-cost surveys;
--Observing data collection during the surveys;
--Advising and assisting OPM in the review of survey data;
--Advising OPM on the COLA program, including survey methodology and 
other compensation issues relating to the allowance areas;
--Assisting OPM in the dissemination of information to affected 
employees about the living-cost surveys and the COLA program.
     As with the studies being conducted for OPM's report to Congress, 
we anticipate that the committees may examine some of the issues raised 
by the comments on the Summer 1994 and Winter 1995 survey reports and 
will produce valuable recommendations for improving the COLA program.

 Impact of COLA Changes

     As with previous reports, most of the commenters were Federal 
employees concerned about the impact of deep reductions in COLA rates. 
They cited various financial commitments, such as home purchase, that 
were made assuming COLA rates would be relatively stable. Several 
commenters thought that significant reductions would have an adverse 
effect on the local economy of the allowance area and that significant 
reductions would cause recruitment and retention problems. As noted 
earlier, Public Law 102-141, as amended, prohibits OPM from reducing 
COLA rates through December 31, 1998.

 General Comments

     A number of commenters maintained that the salary averages used 
for the surveys did not consider other sources of income besides 
General Schedule salaries. They believe this resulted in an 
artificially low salary average, especially for the Washington, DC, 
area. OPM uses the General Schedule average salaries because it is the 
predominant pay system for employees in the allowance areas and in the 
Washington, DC, area. The COLA is a percentage of Federal pay, not 
total family income. Therefore, OPM believes the approach used is 
appropriate. However, the number of income levels used in the COLA 
model and the dollar amounts assigned to those income levels are 
subjects that may be researched further.
     A few commenters asked whether OPM adjusted the calculations of 
the percent of General Schedule workforce in each income group in each 
area to reflect special rates or shift differentials. OPM included 
special rates because special rates are one type of basic pay, and the 
COLA is paid as a percentage of basic pay. OPM did not include premium 
pay, such as shift differentials, because these are not part of basic 
pay.
     Several commenters felt the COLA program should take into 
consideration the hardships endured in some of the allowance areas. OPM 
believes the COLA model adequately measures differences in monetary 
costs due to conditions in the allowance areas, although improvements 
and refinements in the model may be possible. For example, OPM is 
researching certain additional items, particularly those that might be 
purchased more frequently in remote areas. These items include air 
transportation, out-of-area college and university education, and 
extraordinary medical expenses. OPM is looking at ways the tangible 
cost of these items might be included in the COLA model and plans to 
address this issue in its report to Congress. OPM believes, however, 
that employees are compensated for nonmonetary factors such as hardship 
and inconvenience under the post differential program and that such 
factors should not be covered under the COLA program.
     A few commenters objected to the inclusion of sales taxes in the 
COLA model. The commenters argued that it would also be necessary to 
compare the level of Government services available in each area. OPM 
disagrees. The effect on living costs of any differences in the levels 
of Government services attributable to differences in sales tax 
revenues is probably not measurable. Sales tax, on the other hand, is a 
recognizable consumer expense. Therefore, OPM believes it is 
appropriate to include sales tax in the prices of the items it surveys.
     Several commenters felt that some of the field researchers should 
be Federal employees. They believe non-Federal employees have a desire 
to cut Federal pay, which they view as a conflict of interest. OPM does 
not believe there was such a bias, and both OPM and Runzheimer utilized 
a number of quality assurance procedures, including callbacks and close 
data review, to assure that the prices collected were accurate. OPM 
also notes that, under the COLA partnership pilot project, data will be 
collected by Federal employees from the Washington, DC, area with 
observers from the COLA areas. Therefore, beginning with the 1997 
surveys, non-Federal field researchers will not be involved in the 
survey process.
     Some commenters believe more data should be collected directly 
from Federal employees. OPM notes that it has collected data directly 
from Federal employees in the past and may explore this issue with the 
COLA partnership committees and under the MOU Safe Harbor process. OPM 
anticipates addressing this as part of its report to Congress.
     Several commenters stated that OPM should publish additional 
survey data (e.g., outlets surveyed, basic price data) in the report. 
Publishing this volume of information is not practical and would make 
the report too cumbersome and complex.
     A few commenters noted that the date appearing at the top of the 
Federal Register pages containing the Winter report read ``1994'' 
instead of ``1996.'' This was a printer's error.
     Some commenters want OPM to consider higher non-Federal pay when 
setting COLA rates. The law bases COLA's on living costs, not pay 
levels. It also specifically bars payment of locality pay in the COLA 
areas. Therefore, OPM cannot take into consideration higher non-Federal 
pay in the COLA areas.
     Several commenters contend that the COLA calculations should 
account for locality pay received in the Washington, DC, area. OPM 
recognizes that General Schedule employees in the Washington, DC, area 
receive a locality pay adjustment under 5 U.S.C. 5304. Whether this 
adjustment should be considered in the calculation of COLA's is an 
issue OPM plans to address in its report to Congress.
     Some commenters think Federal employees in the Washington, DC, 
area are overgraded and that COLA's should be increased to account for 
this overgrading. Grade levels vary among areas and may be higher on 
average in the DC area because of the nature of the work typically 
performed in this area. If it is found that overgrading is a problem in 
any area, including the DC area, the solution is to properly classify 
the positions--not to adjust pay or allowances.
     Many commenters suggested that OPM use data published by the 
American Chamber of Commerce Researchers Association (ACCRA). ACCRA 
does not publish living-cost comparisons for all of the COLA areas, nor 
does the ACCRA methodology conform with OPM's regulations, which were 
developed subsequent to the settlement of Hector Arana, et al., v.  
United States. Therefore, OPM does not use ACCRA data.
     Several commenters suggested a need to survey more than once a 
year. As OPM stated in an earlier Federal Register notice (60 FR 
46749), OPM does not believe there is significant

[[Page 14192]]

seasonal variation in relative prices for most local consumer items in 
the allowance areas compared to those in the Washington, DC, area. 
There is evidence of seasonal variation in some prices, such as hotel 
and motel lodging, but these are not typical local consumer items. 
There is also seasonal variation in the prices of other items, such as 
fresh fruits and vegetables, but that kind of variation is seen in both 
the allowance areas and in the Washington, DC, area. Therefore, 
relative price differences do not change significantly by season. For 
this reason and because COLA surveys are costly and can be a public 
burden, OPM does not believe it is appropriate to conduct COLA surveys 
more frequently.
     Some commenters objected to OPM's practice of making changes in 
the model based on comments received without an additional comment 
period to review the changes. They also requested that OPM forgo making 
changes in the methodology while the joint research effort is under 
way. During the Safe Harbor process and the COLA partnership pilot 
project, OPM plans generally to avoid making substantive policy changes 
in the COLA program and, instead, wait until after OPM has completed 
its research, received public comment on it, and delivered its report 
to Congress. This does not mean that OPM will make no changes, and 
certainly there are administrative changes relating to survey coverage 
that must be made for each survey. However, the reader will note that 
OPM has made relatively few changes in this year's surveys compared 
with the previous surveys.

 Overall Living Cost Model

     A number of commenters stated that Washington, DC, should not be 
the base area for comparisons of living costs. They believe a less 
expensive area should be used. OPM is required by law to use the 
Washington, DC, area as the base for living-cost comparisons.
     Some commenters felt that local spending patterns should be used 
in pricing consumption goods and services. To compare living costs 
between areas, OPM assigned a common set of weights to each item, 
category, and component. These weights reflect how consumers spend 
their money and were used to derive comparative indexes measuring 
overall living costs. OPM used Bureau of Labor Statistics (BLS) 
nationwide Consumer Expenditure Survey (CES) data for these weights. As 
discussed in the report, the COLA model uses an indexing methodology. 
As the report also notes, it would be preferable to use Washington, DC, 
consumer expenditure data. Washington, DC, CES data, however, are not 
available by income level, and OPM regulations require measurement of 
living costs at multiple income levels. On the other hand, nationwide 
CES data are arrayed by income level. Therefore, OPM used these data in 
the COLA model. CES data are also available for Honolulu and Anchorage; 
but as with the Washington, DC, data, the Honolulu and Anchorage data 
are not available by income level. BLS CES data are not available for 
any other nonforeign area, and OPM knows of no other source of 
comprehensive consumer expenditure information by income level suitable 
for use in the COLA model. Therefore, the use of local weights is not 
practical.
     Commenters also suggested that OPM explore the use of cross-
weighted measures, such as Fisher's ideal index. Since cross-weighted 
indexes use local area weights as well as reference area weights, the 
use of these approaches would face the same problems as would the use 
of local weights alone (as is described above). However, the type of 
measurement used and the source of CES data may also be topics for 
further research.

 Goods and Services Component

     A number of commenters cited the lack of locally available goods 
and services, and many commenters said that they had to purchase items 
by catalog. OPM included catalog prices for selected items in the 
surveys. Additional costs of shipping and excise taxes were added to 
the catalog pricing where applicable.
     A number of commenters felt that the surveys should recognize that 
allowance area employees purchase goods and services that are either 
not needed in the Washington, DC, area or are needed less frequently. 
Generally, the COLA model compares the cost of an item in an allowance 
area with the cost for the same item in the DC area. OPM believes this 
is consistent with the settlement of Arana, in which the plaintiffs 
asked that OPM adopt a methodology that compared specified brands, 
models, and sizes whenever possible. Nevertheless, the COLA model does 
reflect some differences between areas. For example, the model assumes 
that cars in Alaska have certain accessories, such as engine block 
heaters, that are not common in the DC area. Also, differences in home 
construction (e.g., triple-pane windows and greater wall insulation 
common in Alaska) are included in the model to the extent that these 
differences are reflected in real estate prices. OPM anticipates 
researching related issues and plans to address them in its report to 
Congress.
     A number of commenters felt that the surveys should recognize that 
there are a limited number of restaurant choices in the allowance areas 
as compared with the Washington, DC, area. The surveys measure this 
indirectly to the extent that restaurant prices reflect competition. 
The commenters also felt that high quality local restaurants and foods 
should be surveyed. The comparison of non-chain restaurants is 
difficult and would seem to be inconsistent with Arana.
     Some commenters believe more brands and models of items should be 
surveyed. As described in section 2.4.1 of the report, items to be 
surveyed are identified according to their importance in terms of 
consumer expenditures. OPM surveys nearly 200 representative items and 
believes these adequately reflect typical consumer expenditures.

 Housing Component

     A number of commenters objected to the inclusion of historical 
housing data in the surveys. The commenters objected to the use of 
these data because they believe (1) the resulting allowance would 
compensate employees for historical rather than current living costs, 
(2) the weights used to combine the data were from a limited 
demographic profile (i.e., the 1992/93 Federal Employee Housing and 
Living-Patterns Survey), and (3) much of the historical home price data 
were from living communities outside the area where COLA recipients 
reside.
     Historical housing data are based on purchase prices and interest 
rates over a 10-year period. We first used these data in the summer 
1994 surveys; however, we had stated our intention to do so in earlier 
Federal Register notices on the COLA program. (See 55 FR 1372 and 57 FR 
58559.) The reason OPM uses historical data is that relatively few 
Federal employees purchase a home in any given year. By using home sale 
prices and interest rates gathered over a 10-year period, the COLA 
model better emulates the typical Federal employee's housing expenses 
than if only the current year's purchase information were used.
     OPM believes its use of the results of the 1992/93 Federal 
Employee Housing and Living Patterns Survey is appropriate. OPM 
received over 16,000 responses to the employee survey from the 
allowance areas. Although in a universe survey such as this, there is 
always the potential for a nonresponse bias, we find the results 
concerning home tenure to be reasonable when compared with data from 
other sources

[[Page 14193]]

such as Census data and data published by the Chicago Title and Trust 
Company. Therefore, we believe it is appropriate to use the weights 
derived from the employee survey to combine housing cost data.
     As one commenter noted, some of the historical housing data came 
from communities that are no longer surveyed. Although we made changes 
in 1994 in response to employee suggestions and in light of the 
employee survey results, we believe our earlier community selections 
were appropriate. For example, we previously included Mililani Town in 
our Honolulu surveys. Mililani Town was the most frequent place of 
residence reported in the employee survey. Because of limited survey 
resources, we dropped Mililani Town (and others) in order to survey 
communities in and closer to Honolulu, as suggested by comments on the 
results of the 1993 living-cost surveys. It would be a mistake, 
however, to say that places such as Mililani Town are not 
representative of where Federal employees live, and we believe it is 
reasonable to use historical data from such communities.
     Although it might be possible to collect historical data only for 
those communities now surveyed, we do not believe this is necessary or 
desirable. Community changes were made in many survey areas, including 
the Washington, DC, area. Additional historical housing data would have 
to be collected in each of these areas, and this would be costly and 
burdensome to the public. Even so, we believe the final living-cost 
comparisons for the allowance areas would remain essentially unchanged 
because similar changes in community selection also were made in the 
Washington, DC, metropolitan area, again using the results of the 
employee survey.
     Some commenters suggested that using the employee survey results 
to select housing communities violated the agreement in Arana because 
COLA area employees live in undesirable neighborhoods as a result of 
low COLA rates. Other commenters suggested that housing communities 
selected in Anchorage were inappropriate because many employees live 
outside of the survey area. OPM believes it is appropriate to use both 
the results of the employee survey and a methodology that compares the 
costs of housing of similar sizes and in similar communities among the 
various diverse areas covered by the surveys. However, we anticipate 
that the housing methodology, community selection, and housing 
characteristics will be subjects of study during the MOU Safe Harbor 
process and among the issues considered by the COLA Partnership 
Committees.
     Several commenters stated that the housing costs in Anchorage were 
not accurate and provided other data that showed higher median values. 
OPM's contractor obtained the prices for houses that met specified 
profile characteristics (e.g., size) for lower, middle, and upper 
income levels. These prices were collected from real estate 
professionals and various listing services. The data provided by the 
commenters did not sufficiently identify the characteristics of the 
sold houses for OPM to evaluate effectively these data relative to the 
data that OPM's contractor reported.
     Several commenters said that climate conditions (such as high 
humidity, high rainfall, sunlight intensity, airborne salt, snow, and 
cold weather) resulted in more frequent and higher home maintenance 
costs in the allowance areas than in the Washington, DC, area. OPM has 
conducted some preliminary studies of these issues, anticipates 
researching them further, and plans to provide the results in its 
report to Congress.
     Several commenters noted that most Alaskan houses have ``Arctic 
entrances'' for the removal of coats and boots, and felt that the 
surveys should take this into consideration. The home purchase price 
data collected reflect local home sales and include the cost of any 
special features common to dwellings in each area.
     Several commenters noted that military troops are provided a 
housing allowance and felt that civilian employees should receive the 
same. The law does not provide a separate housing allowance for 
civilian Federal employees. However, as described in the report, 
relative differences in housing costs between the allowance areas and 
the Washington, DC, area are taken into consideration in determining 
COLA rates.
     A few commenters suggested that long-distance telephone 
calculations be based on the local time of the call. OPM based this 
calculation on the time the call was received on the assumption that 
most long distance callers timed their calls for the convenience of the 
receiver rather than the caller. Moreover, making the opposite 
assumption could have resulted in some anomalies. For example, a long 
distance call placed at 8 p.m. in Honolulu would be received in New 
York at 1 or 2 a.m.

 Transportation Component

     A number of commenters stated that private transportation costs 
are greater in the allowance areas because of the high cost of 
automobiles and increased auto maintenance resulting from poor roads, 
rough terrain, salt air, and harsh weather. Many also felt that 
automobile insurance premiums are higher in the allowance areas.
     The COLA model takes into consideration automobile purchase price, 
maintenance, insurance, and depreciation. Purchase costs and insurance 
are based on price data obtained in each area. Maintenance is also 
based on local price data, and the model assumes that certain types of 
maintenance occur more frequently in the allowance areas than in the DC 
area. For example, the model assumes that tires wear out faster in the 
allowance areas than in the Washington, DC, area, and that tires have 
to be purchased more frequently in the allowance areas. The model also 
includes the severe driving maintenance schedule for the allowance 
areas and the standard schedule for the Washington, DC, area. 
Depreciation is based on the difference between the new car value and 
the value of the car 4 years later, as reflected in popular guides such 
as the National Automobile Dealers Association Official Used Car Guide 
and the Kelly Blue Book. The model assumes that used car prices are 
constant among areas, except in Fairbanks and Nome. Since new car 
prices are typically higher in the allowance areas, this assumption 
translates into a typically higher depreciation rate for new cars in 
the allowance areas relative to the DC area. For Fairbanks and Nome, 
the model uses 90 percent of the used car value to reflect an even 
higher depreciation cost related to increased wear in these areas 
caused by the severe climate.
     A number of commenters think that OPM should have used negotiated 
prices in its survey of new cars. These same commenters also believe 
used car prices should be included in the surveys. As stated in the 
report, it is not feasible to collect information on negotiated prices. 
Negotiated prices are influenced by factors such as negotiating skills, 
timing, and dealer overstock, and we expect that dealers would be 
reluctant to disclose what they would accept as the final purchase 
price for the vehicles surveyed. Likewise, OPM believes it highly 
unlikely that OPM could price comparable used cars, in terms of make, 
model and condition, in each of the allowance areas and in the 
Washington, DC, area. Therefore, as stated in the report, OPM does not 
survey the price of used cars.
     Many commenters felt that pick-up trucks and four-wheel drive 
vehicles should be priced, especially for the

[[Page 14194]]

Alaska surveys. As stated in the report, OPM surveys the cost of owning 
and operating a four-wheel drive Chevy Blazer, which is a ``utility'' 
vehicle. OPM believes the vehicles currently surveyed are adequate for 
measuring price differences for new vehicles.
     Several commenters raised issues related to mass transportation 
systems (e.g., bus, train, subway), which are limited or not available 
in the allowance areas. As explained in the report, OPM does not survey 
municipal mass transportation. The cost of bus, train, subway, or taxi 
service is not part of the surveys because the service available in 
many allowance areas is not comparable to the service available in the 
DC area. Instead, OPM compares the cost of round-trip airfares from the 
allowance areas with the cost of round-trip airfares from the 
Washington, DC, area to the same destinations.
     A number of commenters objected to the selection of Los Angeles as 
the common destination point for comparing airfares. They stated that 
the Los Angeles routes are highly competitive, which results in lower 
fares compared with other destinations, and that Los Angeles is not 
typical of flight destinations from the allowance areas. For the 1996 
surveys, OPM included additional travel destinations. There are now six 
destinations for which airfares from the allowance areas and the 
Washington, DC, area are collected: Chicago, Los Angeles, Miami, New 
York, Seattle, and St. Louis.
     Some commenters stated that the model did not measure true air 
transportation costs. The commenters stated that inter-island travel, 
travel within Alaska, and travel to the contiguous 48 States requires 
more frequent use of air transportation. The current model assumes that 
the typical Federal employee puts 15,000 miles per year on a car, but 
many Federal employees in the allowance areas may drive less than that, 
particularly in some of the smaller allowance areas. On the other hand, 
these employees may fly more frequently. If so, it may be appropriate 
to make adjustments in the COLA model to reflect these differences. OPM 
plans to study further the issue of transportation costs by mode of 
transportation for its report to Congress.

 Miscellaneous Component

     A number of commenters felt that the medical expense portion of 
the Miscellaneous Component fails to reflect the higher out-of-pocket 
expenses that Federal employees in the allowance areas frequently 
incur. The commenters cited several possible causes for this, including 
higher costs not covered by insurance carriers, the absence of health 
maintenance organizations in several allowance areas, and the need to 
travel outside the area to obtain some medical services. OPM is 
researching health cost issues and plans to include the results of its 
research in its report to Congress.
     One commenter stated that employees in the allowance areas have to 
save at a higher rate to afford the down payment for a house or car or 
to pay for college/university education. The commenter said that OPM 
should take this into consideration and use the Goods and Services 
Component index to adjust the amount of money saved relative to 
Washington, DC. As noted in the report, savings made for the purpose of 
future purchases of housing, durable goods, and similar items are 
accounted for in the category or component weight associated with the 
item.
     The commenter also stated that the COLA model should take into 
consideration the fact that COLA's do not count towards retirement. The 
commenter believes Federal employees have to invest at a higher rate in 
pensions and other savings vehicles to afford to retire in the 
allowance areas. Under sections 8331(3) and 8401(4) of title 5, United 
States Code, allowances (including COLA's) are explicitly excluded from 
basic pay in the computation of Federal annuities under the Civil 
Service Retirement System and the Federal Employees' Retirement System. 
OPM believes it would be inappropriate to adjust COLA rates to take 
into consideration that which the law has specifically excluded. 
Therefore, OPM does not plan to adopt this recommendation at this time 
but plans to address it in its report to Congress.

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

Table of Contents

Executive Summary

1. Introduction
    1.1  Report Objectives
    1.2  Changes in This Year's Survey
    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 Market Basket
    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  Runzheimer Data Collection
    2.5.2  Data Collection Materials
    2.5.3  Inclusion of Sales and Excise Taxes
    2.5.4  Runzheimer's Onsite Visits
    2.5.5  Surveying the Washington, DC, Area
    2.6  Step 5: Analyzing Data and Computing Indexes
    2.6.1  Indexes and Weights
    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 Survey Results
    3.2.1  Exchange and Commissary Expenditure Research
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 Expenses
    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 Taxes
    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

[[Page 14195]]

    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--1996
 Appendix 2: Federal Employment Weights
 Appendix 3: Consumer Expenditure Survey (CES) Item Expenditures
 Appendix 4: CES Category and Component Expenditures
 Appendix 5: Item Descriptions
 Appendix 6: Principal Pricing Changes
 Appendix 7: OMB-Approved Survey Materials
 Appendix 8: Consumption Goods and Services Analysis and Summary
 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 Summary
 Appendix 15: Private Transportation Cost Analysis
 Appendix 16: Auto Insurance Calculation Worksheet
 Appendix 17: Air Fares Cost Analysis
 Appendix 18: Transportation Analysis
 Appendix 19: Transportation Summary
 Appendix 20: Miscellaneous Expense Analysis--Category Index 
Development
 Appendix 21: Miscellaneous Expense Summary
 Appendix 22: Component Expenditures
 Appendix 23: Final Indexes

Executive Summary

    Cost-of-living allowances (COLA's) are paid to Federal employees in 
nonforeign areas in consideration of living costs higher than in the 
Washington, DC, area. OPM conducts living costs surveys in order to set 
the COLA rates. This report provides the results of the 1996 living-
cost surveys and compares living costs in nonforeign COLA areas to 
those in the Washington, DC, area.
    Survey data were collected for the Office of Personnel Management 
(OPM) by Runzheimer International under contract OPM- 95-97012. 
Runzheimer is a Wisconsin-based firm specializing in cost-of-living 
information. The contract required Runzheimer to survey living costs in 
Alaska, Hawaii, Guam, Puerto Rico, the U.S. Virgin Islands, and the 
Washington, DC, area. OPM analyzed the survey data and produced this 
report.
    For this study, approximately 2,800 outlets were contacted and more 
than 20,000 prices collected on about 200 items representing typical 
consumer purchases. These data were then combined by OPM using consumer 
expenditure information developed by the Bureau of Labor Statistics. 
The final result of the study is a series of living-cost indexes, shown 
in the table below, that compare living costs in the allowance areas to 
those in the Washington, DC, 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 
------------------------------------------------------------------------
Anchorage, Alaska.............................................    104.84
Fairbanks, Alaska.............................................    109.90
Juneau, Alaska................................................    110.57
The rest of the State of Alaska...............................    129.24
City and County of Honolulu, Hawaii...........................    121.95
Hawaii County, Hawaii.........................................    111.89
Kauai County, Hawaii..........................................    121.36
Maui County, Hawaii...........................................    119.53
Guam/CNMI*, Local Retail......................................    121.88
Guam/CNMI, Commissary/Exchange................................    116.06
Puerto Rico...................................................    102.01
U.S. Virgin Islands...........................................    119.25
------------------------------------------------------------------------
*CNMI=Commonwealth of the Northern Mariana Islands                      

1. Introduction

1.1  Report Objectives

    This report provides the results of the February 1996 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 
allowance areas listed below. By law, Washington, DC, is the base or 
``reference'' area for the nonforeign area cost-of-living allowance 
(COLA) program.

1. Anchorage, Alaska
2. Fairbanks, Alaska
3. Juneau, Alaska
4. The rest of the State of Alaska
5. City and County of Honolulu, Hawaii
6. Hawaii County, Hawaii
7. Kauai County, Hawaii
8. Maui County, Hawaii
9. Guam and the Commonwealth of the Northern Mariana Islands (CNMI)
10.Puerto Rico
11.U.S. Virgin Islands

1.2  Changes in This Year's Survey

    This year OPM contracted with Runzheimer International to collect 
price data. In previous surveys, most of the analyses of the data were 
performed by the contractor. This year, OPM performed all analyses. 
Appendix 6 lists the other major changes made for this survey relative 
to the previous survey. Among the key changes were the following:

--Airline fares to Chicago, Los Angeles, Miami, New York, and St. Louis 
were surveyed. Previously, only fares to Los Angeles were surveyed.
--Several new survey items were added, including charge card annual 
fees, charge card finance charges, funeral services, motor scooters, 
personal water crafts, and parcel post fees. (Also see appendix 6.)
--The living community of Mayaguez, Puerto Rico, was removed from the 
survey.

1.3  Pricing Period

    The prices were collected in the allowance areas and in the 
Washington, DC, area in February 1996. As with the previous surveys, 
the prices of some items--those dependent upon the pricing of other 
items--were collected slightly later (e.g., in March 1996). In 
addition, individual item prices not meeting OPM's and Runzheimer's 
quality control procedures were resurveyed in April and used to verify 
or replace the original prices.
    As done in previous surveys, some catalog sales were included in 
the survey. Only catalogs that sell merchandise in both the allowance 
areas and the Washington, DC, area were used. To ensure consistent 
seasonal catalog pricing, winter catalogs were used for all catalog 
items surveyed.

2. The COLA Model

2.1  Measurement of Living-Cost Differences

    The COLA model measures living-cost differences between the 
allowance areas and the Washington, DC, area by selecting 
representative items that people purchase in these locations, 
calculating their respective cost differences, and combining them 
according to their importance to each other (as measured by relative 
percentage of expenditures). This involves the following major steps:
    Step 1: Identify the segment of the population for which the 
analysis is targeted (i.e., typical Federal white-collar employees).
    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 for 
each selected item.
    Step 4: Conduct pricing surveys of the selected items in each area.
    Step 5: Compute price ratios for the surveyed 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 typical Federal 
white-

[[Page 14196]]

 collar employees who have annual base salaries between approximately 
$12,000 and $88,000, 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 1995 
distribution of salaries for General Schedule employees in all of the 
allowance areas combined. OPM divided this distribution into three 
income groups of equal size and identi fied the minimum, maximum, and 
median salary in each group. The median values were then rounded to the 
nearest $100 to produce the three representative income levels of 
$21,600, $32,900, and $50,300. OPM compared living costs at each of 
these three income levels to produce three sets of estimated 
expenditures for each allowance area and for the Washington, DC, area. 
OPM combined these estimated expenditures into a single overall index 
for each allowance area using the employment weights described below.
2.2.2  Federal Employment Weights
    OPM used the minimum and maximum values of each income group and 
the 1995 distribution of General Schedule employees by salary in each 
allowance area to derive employment weights. These were combined with 
similar data from 1993 and 1994 to produce a relatively stable moving 
average. (OPM introduced moving averages last year to lessen the impact 
of new data.) From these averages, OPM calculated the percentage of the 
General Schedule workforce in each income group in each area. These 
percentages were the weights used to combine estimated expenditures to 
compute the final index. Appendix 2 shows the General Schedule 
employment distributions and how the percentage weights were derived. 
Appendix 23 shows how the weights were used in the final calculations.

2.3  Step 2: Estimating How People Spend Their Money

2.3.1  Consumer Expenditure Survey
    Expenditure patterns used in the calculations are based on national 
data from the Consumer Expenditure Survey (CES). OPM obtained from the 
Bureau of Labor Statistics ``prepublished'' CES results for 1991, 1992, 
and 1994. 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.
    CES data are used in two ways: to identify appropriate items for 
the survey and to derive item, category, and component weights. The 
item weights are not income-sensitive. 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 
Appendices 3 and 4. As with the Federal employment weights, the 3 years 
of CES data were combined to produce a relatively stable moving 
average.
2.3.2  Expenditure Categories and Components
    The CES is grouped into small, logical families of items. For 
example, pre-published data for beef are grouped into four 
subcategories: ground beef, roast, steak and other. The steak and roast 
groupings were further separated into smaller clusters of items (e.g., 
sirloin and round steak, chuck and round roast). OPM separated the CES 
items into the four main cost components specified in OPM's 
regulations: Consumption Goods and Services, Transportation, Housing, 
and Miscellaneous Expenses. To develop weighting patterns for the three 
income levels, OPM 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. OPM 
converted these expenditures to percentages of total expenditures for 
the four components to produce the values shown in the table below. 
These were the weights 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, DC, area.
---------------------------------------------------------------------------

    \1\The midpoint of the moving average of CES data was 1992. 
Therefore, for the purposes of these regressions, OPM adjusted 
Federal salaries to reflect 1992 pay rates. OPM used the pay 
increases for 1993 (3.7%), 1994 (0.0%) and 1995 (2.0%), to deflate 
the 1995 salaries. This produced adjusted Federal salaries of 
$20,400, $31,100, and $47,550 for use in the regression equations.

                   Table 2-1.--Component Expenses Expressed as a Percentage of Total Expenses                   
----------------------------------------------------------------------------------------------------------------
                                     1992                                                                       
                                   adjusted    Goods and     Housing    Transportation     Misc.        Total   
       1995 income level            income      services    (percent)      (percent)     (percent)    (percent) 
                                    level*     (percent)                                                        
----------------------------------------------------------------------------------------------------------------
$21,600........................      $20,400        39.62        25.72          18.48         16.18       100.00
32,900.........................       31,100        38.97        24.46          18.22         18.35       100.00
50,300.........................       47,550        38.37        23.28          17.98         20.37       100.00
----------------------------------------------------------------------------------------------------------------
*Income levels are adjusted as described in footnote 1.                                                         
(Values may not total because of rounding.)                                                                     

    Goods and Services Component items were further separated 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 Market Basket
    As noted above, CES items were grouped into ``clusters'' of 
expenses to determine which items to survey. These clusters were chosen 
so that no market basket item would have an overwhelmingly large or an 
insignificantly small item weight.
    For each of these clusters, a set of items to price was identified. 
Collectively, these items are called a ``market basket.'' Because it 
would have been impractical to survey all of the thousands of items 
consumers might buy, the market basket contains representative items, 
such as cheddar cheese, that represents itself and the many other 
related items that

[[Page 14197]]

consumers purchase (e.g., edam, gouda, jack, swiss, etc). The market 
basket that OPM and Runzheimer used had approximately 200 items ranging 
from table salt to new cars to home purchases.
    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. For example, a 10.5-ounce can of Campbell's 
vegetable soup was selected for the survey because it is representative 
of canned and packaged soups, is a commonly-purchased brand, and is 
found in all areas. Appendix 5 provides a list of the items surveyed 
and their descriptions.
    Changes in the item list and descriptions are an important aspect 
of the COLA survey. These changes are necessary to improve the survey 
and keep the item descriptions current. For this survey, several of the 
items or descriptions were changed. The major changes and the reasons 
for each are listed in Appendix 6.
2.4.2  Geographic Coverage and Outlet Selection
    Just as it is important to select commonly-purchased items and 
survey the same items in all areas, it is important to select outlets 
frequented by consumers and find equivalent outlets in all areas. This 
involves 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. 
In Nome, for example, the whole city is surveyed because Nome is a 
small city, and Federal employees live throug hout the city. For other 
areas, 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 living 
communities in which housing costs were priced. Runzheimer then 
identified outlets within a normal shopping radius of these housing 
communities. Outlets within a living community or within an adjoining 
living community were generally considered to be within a normal 
shopping radius.
2.4.2.2  Similarity of Outlets
    Whenever possible, Runzheimer selected popular outlets that were 
comparable to outlets in other areas. For example, Runzheimer surveyed 
the price of grocery items at supermarkets in all areas because most 
people purchase their groceries at such stores and because supermarkets 
are found in nearly all areas.\2\ The selection of comparable outlets 
is 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, Runzheimer surveyed groceries at 
two kinds of supermarkets (i.e., full-service supermarkets and 
``warehouse-type'' supermarkets) because both types of supermarkets 
are common in this area. Runzheimer did not survey ``warehouse-
type'' supermarkets in any other area because they are relatively 
uncommon and probably not well frequented by Federal employees.
---------------------------------------------------------------------------

    Although major supermarkets, department stores, and discount stores 
represented a sizable portion of the survey, outlets were also selected 
to represent the diversity of consumer shopping options. For example, 
department stores could have been used for pricing all clothing items 
surveyed. However, this would not have reflected the range of consumer 
choices. Therefore, some clothing items were priced 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. Eleven item prices were surveyed 
by catalog. Catalog pricing allowed the comparison of comparable items 
that would have been difficult to price otherwise. All catalog prices 
included any charges for shipping and handling and all applicable 
taxes.

2.5  Step 4: Surveying Prices

    As noted earlier, Runzheimer obtained over 20,000 prices on about 
200 items from approximately 2,800 outlets. In each survey area, 
Runzheimer was required to get at least three price quotes for each 
item, if practical. There were certain exception items. For example, 
essentially all of the available home sales and rental data meeting the 
survey 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, DC, area has six survey communities, Runzheimer was 
required to get at least 18 price quotes for most items in this area, 
if practical.
2.5.1  Runzheimer Data Collection
    Most of the price data were collected onsite by Runzheimer's 
Research Associates (RA's). The RA's were independent contractors hired 
by Runzheimer 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, Runzheimer refrained from hiring 
research associates who were either employees of the Federal Government 
or who had immediate family members who were employees of the Federal 
Government. Runzheimer also collected price data by telephone and 
through on- line computer services. In addition, Runzheimer performed 
numerous quality control checks, often verifying survey data through 
telephone calls and comparing current data-gathering results with those 
from earlier surveys.
2.5.2  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 Runzheimer-developed worksheets or other 
survey materials conformed with those approved by OMB.
2.5.3  Inclusion of Sales and Excise Taxes
    For all items subject to sales and/or excise taxes, the appropriate 
amount of tax was added prior to analysis. Runzheimer gathered 
applicable information on taxes by contacting appropriate sources of 
information in the allowance areas and the Washington, DC, area.
2.5.4  Runzheimer's Onsite Visits
    Full-time Runzheimer 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 allow ance 
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

[[Page 14198]]

obtained general information about the local economy.
2.5.5  Surveying the Washington, DC, Area
    As noted earlier, Runzheimer was required to get more price quotes 
in the DC area than in the allowance areas because of the size and 
diversity of the DC metropolitan area and because DC is the basis for 
all comparisons. 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 outlets surveyed were within a 
normal shopping radius of the housing communities identified in 
Appendix 9. Survey data from each of the six DC survey areas were 
combined using equal weights.

2.6  Step 5: Analyzing Data and Computing Indexes

2.6.1  Indexes and Weights
2.6.1.1  Indexes
    Nonforeign area COLA's 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. 
An index is a way to state the difference between two prices (or sets 
of prices). For example, if a can of corn costs $1.00 in the allowance 
area and 80 cents in the DC area, canned corn is 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
    OPM computed indexes for hundreds of items. As briefly described in 
section 2.3, OPM used weights derived from the CES to combine these 
indexes. These weights reflected the relative amount consumers normally 
spend on different items. For example, the price of a can of corn has a 
lower weight than the price of a pound of apples because, according to 
the CES, people generally spend less on canned corn than on apples.
    The COLA model uses a fixed-weight indexing methodology. 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, OPM also computed income sensitive 
category and component weights. This allowed the combination of 
comparative price data in a manner that reflected the spending patterns 
of people at each income level. The way data were combined varied among 
the components.
    For the Goods and Services and Miscellaneous Expense compo nents, 
OPM 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, OPM used the same approach in combination with a 
cost-build-up approach. For example, 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) of 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, OPM used the CES data and the income ranges described in 
section 2.2.1 to determine how much money consumers typically spend on 
each component at each income level. These amounts appear in the table 
below and in Appendix 22. 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.......................................       $8,558       $5,556         $3,992        $3,495      $21,600
Middle......................................       12,821        8,047          5,994         6,037       32,900
Upper.......................................       19,300       11,710          9,044        10,246       50,300
----------------------------------------------------------------------------------------------------------------
(Note: Values may not total because of rounding.)                                                               

    Second, for each allowance area, OPM 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, OPM 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, OPM computed a single overall average expenditure for each 
allowance area by combining the income level expenditures 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, OPM 
also computed a single overall dollar expenditure value for the DC 
area.
    The final step was to divide the overall dollar expenditure for the 
allowance area by the overall 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 23.

3. Consumption Goods and Services

3.1  Categories and Category Weights

    Based on the CES data, OPM identified ten categories of expenses 
within the Goods and Services Component. Using linear regression 
analyses and the CES data, OPM identified the portion of total Goods 
and Services expenditures that the typical

[[Page 14199]]

consumer spends in each category at various income levels. The 
categories and the relative expenditures are shown in the table below:

   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.....................        27.04        24.04        21.15
Food Away from Home..............        13.60        14.16        14.71
Tobacco..........................         3.09         2.55         2.02
Alcohol..........................         2.66         2.64         2.62
Furnishings and Household                                               
 Operations......................        14.98        15.99        16.97
Clothing.........................        13.54        14.22        14.87
Domestic Service.................         1.73         1.94         2.14
Professional Services............         6.95         7.01         7.07
Personal Care....................         3.62         3.52         3.43
Recreation.......................        12.80        13.93        15.02
                                  --------------                        
      Totals.....................       100.00       100.00       100.00
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)                       

3.2  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 
market basket 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 Component indexes. The Washington, DC, area is not shown 
because it is, by definition, the reference area. Therefore, the DC 
indexes are 100.
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 Runzheimer 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. & 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.

4. Housing

4.1  Component Overview

    The Housing Component consists of the following expenses related to 
owning or renting a dwelling:

--mortgage or rent payments,
--utilities,
--real estate taxes,
--homeowner's or renter's insurance,
--home maintenance, and
--telephone expenses.

    At each of the three income levels, the annual housing costs for 
homeowners and renters were measured separately. The results were then 
combined using as weights the percentages of owners and renters 
reported by the CES.

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 at each income 
level. Using the tenure data by income range as input into a linear 
regression analysis, OPM calculated the owner and rent weights shown 
below and in Appendix 23. OPM excluded data for home owning families 
without a mortgage because they were not typical of Federal homeowners 
in the base area or in the allowance areas.

[[Page 14200]]



                    Table 4-1.--Owner/Renter Weights                    
------------------------------------------------------------------------
                                               Income levels            
                                  --------------------------------------
             Category                 Lower        Middle       Upper   
                                    (percent)    (percent)    (percent) 
------------------------------------------------------------------------
Homeowner with mortgage..........        37.97        47.13        61.21
Renter...........................        62.03        52.87        38.79
                                  --------------                        
      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. For Runzheimer's data collection, OPM required 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. Runzheimer collected additional 
information when available. Unfortunately, the quantity and type of 
additional data varied markedly from one area to the next and was 
completely unavailable in some areas. Therefore, OPM could not use the 
additional data.

                                          Table 4-2.--Housing Profiles                                          
----------------------------------------------------------------------------------------------------------------
            Income level                         Renter profile                         Owner profile           
----------------------------------------------------------------------------------------------------------------
Lower..............................  3 rooms, 1 BR, 1 bath, 600 sq. ft.     4 rooms, 2 BR, 1 bath, 900 sq. ft.  
                                      apartment.                             condo or detached house.           
Middle.............................  4 rooms, 2 BR, 1 bath, 900 sq. ft.     5 rooms, 3 BR, 1 bath, 1,300 sq. ft.
                                      apartment.                             detached house (rowhouse in NE DC).
Upper..............................  4 rooms, 2 BR, 2 baths, 1,100 sq. ft.  7 rooms, 3 BR, 2 baths, 1,700 sq.   
                                      townhouse or detached house.           ft. detached 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, Runzheimer obtained rental 
rates on any unit, regardless of its size, that otherwise met the 
profile characteristics. For home sales, Runzheimer 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 was used at more than one income level. Application of 
the other criteria (i.e., number and type 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 section 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. 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 
allowance areas due to the relatively few home sales and rental 
opportunities in these areas. In such areas, OPM directed Runzheimer to 
collect prices for the entire survey area or allowance area rather than 
in specific communities. This was done in Fairbanks, Juneau, Nome, 
Hilo, Kailua Kona, Kauai, Maui, Guam, 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 were 
categorized into one of five groups in the COLA model. These groups 
were--

--utilities,
--real estate taxes,
--owners/renters insurance,
--maintenance, and
--telephone expenses.

4.2.4.1  Utilities
    Electricity, oil, gas, water, and sewer were the utilities used in 
the model. Most utility companies were 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 was 
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 were calculated by assuming 
that utility use increases or decreases at half 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, Runzheimer obtained the price of each of the types of 
utilities noted above. Runzheimer used average annual consumption per 
household

[[Page 14201]]

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.
    In the DC area, Runzheimer was unable to obtain estimates for 
electricity usage for houses heated by gas or oil. However, Runzheimer 
was able to obtain kilowatt usage for all-electric houses. In order to 
avoid potential double counting of utility costs, OPM used the all-
electric data for the DC area. This was not a problem in the warm-area 
COLA areas where there is little heat expense. It also was not a 
problem in Alaska where most consumers use gas or oil heat, not 
electric heat.
4.2.4.2  Real Estate Taxes
    For this study, Runzheimer 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 all living communities and applied to the 
home values for each income level.
4.2.4.3  Owners/Renters Insurance
    Homeowners' insurance rates were gathered for each of the survey 
areas for both renter and owner profiles. For renters, the following 
estimated content values were used: $25,000 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 median 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 the land represents a greater proportion of property 
value, 50 percent was used.
    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 
insurance was priced for all of the allowance areas in Hawaii and in 
Guam, Puerto Rico, and the U.S. Virgin Islands.
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 done in previous surveys, Runzheimer 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. In the 
Nome area, however, pest control was not priced because local sources 
indicated it is not necessary. The maintenance commodities priced were 
bathroom caulking, a 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, OPM 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 multi pliers 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 
at these income levels.
4.2.4.5  Telephone Expenses
    Telephone expenses 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, 
Runzheimer surveyed the cost of touch- tone service with unlimited 
calling in each area.
    To estimate long distance charges in all areas, Runzheimer surveyed 
the cost of three 10-minute direct dial calls per month to large U.S. 
mainland cities (i.e., Los Angeles, Chicago, and New York City). 
Runzheimer measured the price of a call placed in the survey area at 
the time of day necessary to be received in the respective city at 8:00 
p.m. local time. In many areas, this resulted in pricing a combination 
of daytime and evening-rate calls.

4.3  Housing Data Collection Procedures

    As done in previous years, Runzheimer collected housing information 
mainly from real estate professionals, various listing services, and 
advertisements. In addition, Runzheimer 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 
surveyed in the Washington, DC, area.
4.3.1  Homeowner Data Collection
    Runzheimer surveyed selling prices of homes that matched the 
housing profiles in each living community and obtained as many of these 
selling prices as possible for sales that occurred during the 12-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, Runzheimer 
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 was 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.

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. As was done last year, 
OPM used the median home value. The median is the middle value in a 
rank-ordered set of

[[Page 14202]]

observations. OPM used this approach 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 prices.
    For each income profile in each allowance area and the Washington, 
DC, area, OPM 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 home purchase price for the 
profile.
    As was done last year, OPM also used historical housing data in 
addition to data collected in this survey. 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 58617. 
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 estimated annual principal 
plus interest payments by income level in each area. To combine these 
data, OPM used 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 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
    OPM assigned each rental quote to a single income level based on 
the criteria stated in section 4.2.2. 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 
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 analyzed broker and non-broker data 
separately by income level. As with the housing data analyses, OPM used 
the median rental values. For each income level, OPM separately ranked 
rental rates from low to high 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 applied equal 
weights to the broker and non-broker 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 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 22 to 
derive the total, overall indexes for owners and renters.

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 common points within the contiguous 48 
States.

5.2  Private Transportation Methodology

    As done in previous surveys, OPM analyzed automobile trans 
portation 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 judgments that would be required.
5.2.1  Vehicle Selection and Pricing
    The same three models of automobiles that were surveyed in previous 
years were surveyed again this year:

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

    For each model car, Runzheimer 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 1996. All vehicles were equipped with standard 
options, such as automatic transmission, AM/FM stereo radio, and air 
conditioning. In Alaska locations, special additional equipment was 
included in new-vehicle prices (i.e., engine-block heaters and heavy-
duty batteries). Snow tires were also priced in Alaska. (See section 
5.2.5.) 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 Anchorage, 
for example, documentation fees were also included as part of the new-
vehicle costs.
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, OPM used a four-year, 60,000-
mile trade cycle in all areas.
5.2.3  Fuel Performance and Type
    All vehicles included in this study used regular unleaded fuel. 
Runzheimer surveyed self-service cash prices of unleaded regular 
gasoline at name-brand gas stations in the Washington, DC, area and in 
all allowance areas, except those in Alaska. In consideration of the 
harsh climate in the Alaska allowance areas, full-service cash prices 
were surveyed.
    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'' figures instead of ``highway'' 
figures are used because all locations contained considerable stop-and-
go driving conditions. As in previous COLA surveys, OPM 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,

[[Page 14203]]

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.F miles-
per-gallon achieved improves. The model uses the average monthly 
temperatures for each allowance area and the 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 Table 5-1.
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 high-load asphalt and that 
locally controlled roadways are typically composed of low-load asphalt. 
EPA's research indicates that cars are generally more fuel-efficient on 
the firmer, high-load surfaces than on the softer, low-load surfaces. 
Although traffic patterns and road usage 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, Alaska contains 
5,512 miles of Federally controlled roads and 7,120 miles of locally 
controlled roads. The usage assumption increased Federal road mileage 
by a factor of two for the Alaska allowance areas.
    The average low-load asphalt factor (which reflects dry, wet, and 
snowy conditions) was applied to the local mileage percentage, and the 
average concrete and/or high-load asphalt factor was applied to the 
Federal mileage percentage to produce two weighted average factors--one 
for the Alaskan allowance areas and another for the other allowance 
areas. These factors are shown in Table 5-1. The Washington, DC, area 
was assigned a factor of 1.00 on the premise that the vast majority of 
traffic in that area travels on dry, high-load surfaces. 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 0.98 was computed for this type of driving. This factor was 
assigned to each allowance area. For the 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
    OPM applied the factors described above to make adjustments in 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 in 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 Juneau is 0.84. 
This means that the estimated gasoline mileage in Juneau is 84 percent 
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.

                               Table 5-1.--Summary of Fuel-Performance Adjustments                              
----------------------------------------------------------------------------------------------------------------
                                                                               Road                             
                          Location                            Temperature    surface      Gradient      Total   
----------------------------------------------------------------------------------------------------------------
Anchorage...................................................         0.88         0.96         0.98         0.83
Fairbanks...................................................         0.85         0.96         0.98         0.80
Juneau......................................................         0.89         0.96         0.98         0.84
Nome........................................................         0.85         0.96         0.98         0.80
Hawaii......................................................         0.99         0.98         0.98         0.95
Virgin Islands..............................................         1.01         0.98         0.98         0.97
Puerto Rico.................................................         1.01         0.98         0.98         0.97
Guam........................................................         0.99         0.98         0.98         0.95
Washington, DC..............................................         0.94         1.00         1.00         0.94
----------------------------------------------------------------------------------------------------------------

5.2.4  Vehicle Maintenance
    As done in the previous surveys, Runzheimer 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.

    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

[[Page 14204]]

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. Runzheimer 
collected the cost of the complete maintenance service or repair job 
for each vehicle. For example, the cost of a complete oil change was 
collected for each vehicle including the total charge for parts and the 
total charge for labor.
    In the Alaska and DC areas, constant velocity joint (CVJ) boots 
replacement was also included in the cost of vehicle maintenance. 
Previous research conducted for OPM revealed varying replacement cycles 
among the Alaska allowance areas and between the Alaska areas and the 
DC area: Anchorage and Juneau-- every 45,000 miles (3 years), Nome--
every 30,000 miles (2 years), Fairbanks--every 15,000 miles (1 year), 
and the Washington, DC, area--every 60,000 miles (4 years). The cost of 
replacement for all three vehicle types was factored into the indexes 
based upon the frequency of the replacement. In Fairbanks, for example, 
100 percent of the cost was included because previous research 
indicated annual replacement was the norm.
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.
    Runzheimer 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. Previous research indicated that four extra 
studded snow tires would be required for all three vehicles in the 
Alaska allowance areas. Therefore, Runzheimer surveyed the cost of 
extra wheels, extra tires, and installing studs for all vehicles in 
Anchorage, Fairbanks, Juneau, and Nome.
5.2.6  License and Registration Fees and Miscellaneous Taxes
    Runzheimer obtained information regarding license registration 
fees, miscellaneous taxes, and personal property taxes (where 
applicable). License and registration fees were included as part of the 
annual cost of owning an automobile. Miscellaneous and personal-
property taxes were computed for each year of the vehicle's 4-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. In the COLA model, total depreciation is calculated by 
subtracting from the purchase price the estimated residual value (used 
car value) 4 years later. This value is then divided by four to produce 
an annual depreciation amount.
    As described earlier, the new car price was the manufacturer's 
suggested retail price plus any additional charges, such as shipping, 
dealer prep, additional dealer markup, excise tax, and sales tax. As 
done in previous surveys, the used car value was based on information 
from sources such as the Black Book Official Finance/Lease Guide for 
1994. Although such sources only track prices of vehicles sold in the 
contiguous 48 States, previous research performed by Runzheimer did not 
indicate that used cars in allowance areas were (on average) worth more 
or less than used cars in the DC area, except for Fairbanks and Nome. 
For Fairbanks and Nome, 90 percent of the projected residual values 
were used to reflect the more severe conditions.
    It should be noted that identical residual values did not result in 
identical depreciation amounts. Depreciation amounts were generally 
higher in the allowance areas than in the Washington, DC, area because 
new car prices were generally higher in the allowance areas.
5.2.8  Finance Expense
    The COLA model assumes that new car purchases are financed. 
Therefore, Runzheimer surveyed banks in all areas to obtain their auto-
loan interest rates for a 48-month loan with 80 percent financing. OPM 
computed the finance cost for each vehicle in each area and included it 
in the annual cost of owning and operating an automobile.
5.2.9  Vehicle Insurance
    Runzheimer surveyed the cost of car insurance in each location. 
Consistent with the previous year's survey, Runzheimer 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, Runzheimer 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.
    Runzheimer found that some insurance companies in 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 Runzheimer also to 
survey in the DC area the cost of insurance that was comparable to that 
offered in these allowance areas. The costs 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 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, Runzheimer surveyed 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 fare is the only item priced for the Other Transportation Costs 
Category. For this item, OPM priced the lowest priced round-trip air 
fare on a major carrier with a 2-week advance purchase and a 1-week 
stay over. Trips were priced from each allowance area and the 
Washington, DC, area to Chicago, Los Angeles, Miami, New York, Seattle, 
and St. Louis. These cities were selected to

[[Page 14205]]

represent a range of travel destinations coast- to-coast for COLA area 
and DC area Federal employees. The costs of the trips from each 
allowance area were averaged and compared with the average cost of the 
trips from the DC area to compute the category indexes. The fares are 
shown in Appendix 17.

5.4  Transportation Component Analyses

    OPM 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 19. Likewise, OPM compared the cost of air fares for 
each area with those for the DC area and computed a cost index. These 
indexes are shown in Appendices 17 and 19. OPM 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 vary by income level and were 
used to combine the Automobile Expense Category index with the Other 
Transportation Costs index by area to derive the overall Transportation 
Component index for the area. The weights, computations, and final 
Transportation Component indexes are shown in Appendix 19.

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.

    OPM 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

    OPM used CES data to determine the appropriate weights for each of 
the items and categories in the Miscellaneous Component. The category 
weights are shown in the following table and in Appendix 21. Item 
weights are shown in Appendix 20.

        Table 6-1.--Miscellaneous Expense Categories and Weights        
------------------------------------------------------------------------
                                                Income level            
                                  --------------------------------------
            Categories                Lower        Middle       Upper   
                                    (percent)    (percent)    (percent) 
------------------------------------------------------------------------
Medical Care.....................        41.36        31.40        24.04
Contributions....................        16.52        17.18        17.67
Personal Insurance and Retirement                                       
 Contributions...................        42.11        51.42        58.29
                                  --------------                        
      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
    Runzheimer 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:

--nonprescription pain reliever
--prescription drugs
--contact lenses
--dental service
--doctor visit
--hospital room
--health insurance

    Runzheimer surveyed the cost of these items in both the allowance 
areas and in the DC area. OPM compared the prices to produce an index 
for each item in each area, then combined these indexes using CES 
weights to produce a single Medical Care Category index for each area. 
The COLA model assumes 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 use of the Goods and Services index 
is 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.

6.4  Miscellaneous Expense Analyses

    As with the Goods and Services Component, the indexes for each of 
the Miscellaneous Component categories were combined using CES weights 
to produce component indexes by income level for each area. These 
indexes are shown in Appendix 21. Section 2.6 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 23 shows 
how each index was derived from the component indexes.

                Table 7-1.--Final Cost Comparison Indexes               
------------------------------------------------------------------------
                        Allowance area                           Index  
------------------------------------------------------------------------
Anchorage, Alaska............................................     104.84
Fairbanks, Alaska............................................     109.90
Juneau, Alaska...............................................     110.57
The rest of Alaska...........................................     129.24
City and County of Honolulu, Hawaii..........................     121.95
Hawaii County, Hawaii........................................     111.89
Kauai County, Hawaii.........................................     121.36
Maui County, Hawaii..........................................     119.53
Guam/CNMI*, Local Retail.....................................     121.88
Guam/CNMI, Commissary/Exchange...............................     116.06
Puerto Rico..................................................     102.01

[[Page 14206]]

                                                                        
U.S. Virgin Islands..........................................     119.25
------------------------------------------------------------------------
*CNMI=Commonwealth of the Northern Mariana Islands                      


     Appendix 1.--Publication in the Federal Register of Results of     
             Nonforeign Area Living-Cost Surveys: 1990-1996             
------------------------------------------------------------------------
         Citation                   Title                 Contents      
------------------------------------------------------------------------
56 FR 7902................  Office of Personnel    Results of summer    
                             Management: Cost-of-   1990 living-cost    
                             Living Allowances      surveys conducted in
                             and Post               Alaska, Hawaii,     
                             Differentials          Guam, Puerto Rico,  
                             (Nonforeign Areas).    and the U.S. Virgin 
                                                    Islands.            
57 FR 58556...............  Office of Personnel    Results of summer    
                             Management: Report     1991 and winter 1992
                             on 1991/1992 Surveys   living-cost surveys 
                             Used to Determine      conducted in Alaska,
                             Cost-of-Living         Hawaii, Guam, Puerto
                             Allowances in          Rico, and the U.S.  
                             Nonforeign Areas.      Virgin Islands.     
58 FR 45558...............  Office of Personnel    Results of summer    
                             Management: Report     1992 and winter 1993
                             on 1992/1993 Surveys   living-cost surveys 
                             Used to Determine      conducted in Alaska,
                             Cost-of-Living         Hawaii, Guam, Puerto
                             Allowances in          Rico, and the U.S.  
                             Nonforeign Areas.      Virgin Islands.     
58 FR 27316...............  Office of Personnel    Results of summer    
                             Management: Report     1993 living-cost    
                             on Summer 1993         surveys conducted in
                             Surveys Used to        Hawaii, Guam, Puerto
                             Determine Cost-of-     Rico, and the U.S.  
                             Living Allowances in   Virgin Islands.     
                             Nonforeign Areas.                          
59 FR 45066...............  Office of Personnel    Results of winter    
                             Management: Report     1994 living-cost    
                             on Winter 1994         surveys conducted in
                             Surveys Used to        Alaska.             
                             Determine Cost-of-                         
                             Living Allowances in                       
                             Alaska.                                    
60 FR 61332...............  Office of Personnel    Results of summer    
                             Management: Report     1994 living-cost    
                             on Summer 1994         surveys conducted in
                             Surveys Used to        Hawaii, Guam, Puerto
                             Determine Cost-of-     Rico, and the U.S.  
                             Living Allowances in   Virgin Islands.     
                             Selected Nonforeign                        
                             Areas.                                     
61 FR 4070................  Office of Personnel    Results of winter    
                             Management: Report     1995 living-cost    
                             on Winter 1995         surveys conducted in
                             Surveys Used to        Alaska.             
                             Determine Cost-of-                         
                             Living Allowances in                       
                             Alaska.                                    
------------------------------------------------------------------------


                                 Appendix 2.--Multiple Survey Areas: 1996 Survey                                
                           [Federal Employment Weights Within a Single Allowance Area]                          
----------------------------------------------------------------------------------------------------------------
                      Location                           1993        1994        1995       Average     Weights 
----------------------------------------------------------------------------------------------------------------
Hawaii County                                                                                                   
    Hilo............................................         250         292         286         276       82.88
    Kona............................................          52          60          58          57       17.12
                                                     -------------                                              
        Total.......................................  ..........  ..........  ..........         333      100.00
                                                     =============                                              
Virgin Islands                                                                                                  
    St. Croix.......................................         142         151         154         149       46.42
    St. Thomas/St. John.............................         190         166         160         172       53.58
                                                     -------------                                              
        Total.......................................  ..........  ..........  ..........         321      100.00
----------------------------------------------------------------------------------------------------------------


                                       Multiple Income Levels: 1996 Survey                                      
                           [Federal Employment Weights Within a Single Allowance Area]                          
----------------------------------------------------------------------------------------------------------------
              Location and income level                  1993        1994        1995       Average     Weights 
----------------------------------------------------------------------------------------------------------------
Anchorage:                                                                                                      
    Lower...........................................       1,638       1,609       1,540       1,596       26.44
    Middle..........................................       2,090       1,971       1,754       1,938       32.11
    Upper...........................................       2,400       2,583       2,522       2,502       41.45
      Totals........................................  ..........  ..........  ..........       6,036      100.00
                                                     =============                                              
Fairbanks:                                                                                                      
    Lower...........................................         400         444         388         411       33.28
    Middle..........................................         467         442         446         452       36.60
    Upper...........................................         318         392         405         372       30.12
      Totals........................................  ..........  ..........  ..........       1,235      100.00
                                                     =============                                              
Juneau:                                                                                                         
    Lower...........................................         139         145         139         141       19.89

[[Page 14207]]

                                                                                                                
    Middle..........................................         245         220         203         223       31.45
    Upper...........................................         334         360         341         345       48.66
      Totals........................................  ..........  ..........  ..........         709      100.00
                                                     =============                                              
Rest of Alaska:                                                                                                 
    Lower...........................................         444         414         349         402       25.62
    Middle..........................................         759         722         703         728       46.40
    Upper...........................................         391         445         481         439       27.98
      Totals........................................  ..........  ..........  ..........       1,569      100.00
                                                     =============                                              
Honolulu:                                                                                                       
    Lower...........................................       4,346       4,239       4,140       4,242       32.68
    Middle..........................................       4,540       4,171       3,952       4,221       32.52
    Upper...........................................       4,344       4,689       4,514       4,516       34.80
      Totals........................................  ..........  ..........  ..........      12,979      100.00
                                                     =============                                              
Hawaii:                                                                                                         
    Lower...........................................         122         165         139         142       36.69
    Middle..........................................         145         154         164         154       39.79
    Upper...........................................          85          91          98          91       23.52
      Totals........................................  ..........  ..........  ..........         387      100.00
                                                     =============                                              
Kauai:                                                                                                          
    Lower...........................................          71          81          73          75       30.24
    Middle..........................................          94          84          76          85       34.28
    Upper...........................................          78          89          97          88       35.48
      Totals........................................  ..........  ..........  ..........         248      100.00
                                                     =============                                              
Maui:                                                                                                           
    Lower...........................................          37          39          35          37       25.52
    Middle..........................................          56          56          59          57       39.31
    Upper...........................................          51          51          51          51       35.17
      Totals........................................  ..........  ..........  ..........         145      100.00
                                                     =============                                              
Guam/CNMI:                                                                                                      
    Lower...........................................       1,061       1,060         947       1,023       47.12
    Middle..........................................         696         681         669         682       31.41
    Upper...........................................         437         498         464         466       21.47
      Totals........................................  ..........  ..........  ..........       2,171      100.00
                                                     =============                                              
Puerto Rico:                                                                                                    
    Lower...........................................       2,330       2,428       2,370       2,376       40.66
    Middle..........................................       2,287       2,184       2,166       2,212       37.86
    Upper...........................................       1,140       1,321       1,303       1,255       21.48
      Totals........................................  ..........  ..........  ..........       5,843      100.00
                                                     =============                                              
Virgin Islands:                                                                                                 
    Lower...........................................         128         114          98         113       35.31
    Middle..........................................         133         128         133         131       40.94
    Upper...........................................          71          75          83          76       23.75
      Totals........................................  ..........  ..........  ..........         320      100.00
----------------------------------------------------------------------------------------------------------------


                                    Appendix 3--Consumer Expenditure Surveys                                    
                             [Pre-published Data for All Consumer Units Nationwide*]                            
----------------------------------------------------------------------------------------------------------------
                                                                     Total complete reporting                   
                                                 ---------------------------------------------------------------
                                                        1991            1992            1994          Average   
----------------------------------------------------------------------------------------------------------------
Average Before Tax Income.......................       33,901.00       33,854.00       36,838.00       34,864.33
Average annual expenditures.....................       30,487.29       30,527.49       32,762.99       31,259.26
  Food..........................................        4,366.88        4,358.56        4,526.94        4,417.46
    Food at home................................        2,724.89        2,684.35        2,764.21        2,724.48
      Cereals and bakery products...............          413.81          418.15          439.36          423.77
        Cereals and cereal products.............          149.01          144.15          166.94          153.37
          Flour.................................            6.61            7.21            7.93            7.25
          Prepared flour mixes..................           14.67           13.62           13.20           13.83
          Ready-to-eat and cooked cereals.......           90.13           88.39          102.02           93.51
          Rice..................................           14.49           12.67           15.47           14.21
          Pasta, cornmeal and other cereal                                                                      
           products.............................           23.11           22.27           28.32           24.57

[[Page 14208]]

                                                                                                                
        Bakery products.........................          264.80          274.00          272.42          270.41
          Bread.................................           76.98           77.58           77.20           77.25
            White bread.........................           38.93           38.04           38.02           38.33
            Bread, other than white.............           38.04           39.54           39.17           38.92
          Crackers and cookies..................           65.09           67.10           64.36           65.52
            Cookies.............................           41.15           40.75           43.78           41.89
            Crackers............................           23.94           26.34           20.58           23.62
          Frozen and refrigerated bakery                                                                        
           products.............................           19.33           21.06           22.16           20.85
          Other bakery products.................          103.40          108.27          108.70          106.79
            Biscuits and rolls..................           34.12           35.55           37.26           35.64
            Cakes and cupcakes..................           29.49           31.67           31.12           30.76
            Bread and cracker products..........            4.14            4.70            4.68            4.51
            Sweetrolls, coffee cakes, doughnuts.           24.05           24.93           23.08           24.02
            Pies, tarts, turnovers..............           11.61           11.41           12.55           11.86
      Meats, poultry, fish, and eggs............          725.06          687.17          728.89          713.71
        Beef....................................          238.59          210.36          226.73          225.23
          Ground beef...........................           89.66           87.67           89.79           89.04
          Roast.................................           42.62           37.74           37.79           39.38
            Chuck roast.........................           16.81           13.48           12.10           14.13
            Round roast.........................           12.63           12.96           14.18           13.26
            Other roast.........................           13.18           11.30           11.51           12.00
          Steak.................................           87.83           69.00           85.81           80.88
            Round steak.........................           16.56           14.63           16.44           15.88
            Sirloin steak.......................           23.58           17.72           24.09           21.80
            Other steak.........................           47.68           36.65           45.28           43.20
          Other beef............................           18.47           15.95           13.34           15.92
        Pork....................................          146.62          155.56          154.66          152.28
          Bacon.................................           21.28           20.47           23.01           21.59
          Pork chops............................           35.26           34.88           37.47           35.87
          Ham...................................           38.92           42.73           36.74           39.46
            Ham, not canned.....................           35.84           38.98           33.91           36.24
            Canned ham..........................            3.08            3.75            2.84            3.22
          Sausage...............................           21.01           23.29           22.63           22.31
          Other pork............................           30.15           34.19           34.80           33.05
        Other meats.............................          102.91           94.58           94.34           97.28
          Frankfurters..........................           23.87           21.19           19.13           21.40
          Lunch meats (cold cuts)...............           70.13           63.56           65.67           66.45
            Bologna, liverwurst, salami.........           23.75           22.91           23.25           23.30
            Other lunchmeats....................           46.39           40.65           42.41           43.15
          Lamb, organ meats and others..........            8.91            9.84            9.54            9.43
            Lamb and organ meats................            7.89            8.74            9.31            8.65
            Mutton, goat and game...............            1.02            1.10            0.24            0.79
        Poultry.................................          123.67          123.39          135.32          127.46
          Fresh and frozen chickens.............           92.17           91.28          107.49           96.98
            Fresh whole chicken.................           24.27           19.61              NA           21.94
            Fresh and frozen whole chicken......              NA              NA           29.05           29.05
            Fresh and frozen chicken parts......           67.90           71.67           78.44           72.67
          Other poultry, incl. whole frozen                                                                     
           chickens.............................           31.50           32.10              NA           31.80
          Other poultry.........................              NA              NA           27.83           27.83
        Fish and seafood........................           81.51           74.99           87.13           81.21
          Canned fish and seafood...............           18.40           17.46           15.60           17.15
          Fresh and frozen shellfish............           25.27           21.36              NA           23.32
          Fresh and frozen finfish..............           37.83           36.17              NA           37.00
          Fresh fish and shellfish..............              NA              NA           48.29           48.29
          Frozen fish and shellfish.............              NA              NA           23.23           23.23
        Eggs....................................           31.77           28.30           30.72           30.26
      Dairy products............................          306.57          307.10          297.87          303.85
        Fresh milk and cream....................          134.72          136.59          131.98          134.43
          Whole milk............................           49.88           47.69              NA           48.79
          Other milk and cream..................           84.84           88.90              NA           86.87
          Fresh milk, all types.................              NA              NA          123.44          123.44
          Cream.................................              NA              NA            8.55            8.55
        Other dairy products....................          171.85          170.52          165.88          169.42
          Butter................................           10.62            9.71           11.78           10.70
          Cheese................................           90.15           87.72           84.78           87.55
          Ice cream and related products........           50.47           51.93           48.15           50.18
          Miscellaneous dairy products..........           20.61           21.16           21.17           20.98
      Fruits and vegetables.....................          437.70          435.20          446.10          439.67
        Fresh fruits............................          132.65          129.17          135.12          132.31

[[Page 14209]]

                                                                                                                
          Apples................................           26.69           26.64           25.34           26.22
          Bananas...............................           27.62           26.48           30.25           28.12
          Oranges...............................           12.28           13.23           16.05           13.85
          Other fresh fruits....................           66.06           62.82           63.49           64.44
        Fresh vegetables........................          131.09          127.84          138.99          132.64
          Potatoes..............................           25.25           24.56           28.24           26.02
          Lettuce...............................           15.51           16.33           17.65           16.50
          Tomatoes..............................           21.64           19.85           21.59           21.03
          Other fresh vegetables................           68.69           67.10           71.52           69.10
        Processed fruits........................           99.35          102.67           95.31           99.11
          Frozen fruits and fruit juices........           22.09           21.35           16.38           19.94
            Frozen orange juice.................           14.09           13.34            9.57           12.33
            Other frozen fruits and juices......            7.99            8.01            6.81            8.00
          Canned and dried fruits...............           24.23           23.48           21.11           23.86
          Fresh, canned or bottled fruit juices.           53.03           57.83           57.83           55.43
        Processed vegetables....................           74.61           75.53           76.68           75.61
          Frozen vegetables.....................           26.45           25.46           24.78           25.56
          Canned and dried vegetables and juices           48.16           50.07           51.90           50.04
            Canned beans........................            9.26           10.09           10.61            9.99
            Canned corn.........................            6.29            7.40            6.99            6.89
            Other canned and dried veg. and                                                                     
             juices.............................           32.61           32.59           34.30           32.60
      Other food at home........................          841.75          836.73          851.99          843.49
        Sugar and other sweets..................          104.62          106.24          110.67          107.18
          Candy and chewing gum.................           59.10           62.86           66.52           62.83
          Sugar.................................           20.80           18.12           18.30           19.07
          Artificial sweeteners.................            3.23            3.24            3.57            3.35
          Jams, preserves, other sweets.........           21.48           22.02           22.28           21.93
        Fats and oils...........................           73.12           73.79           80.76           75.89
          Margarine.............................           14.31           14.56           14.68           14.52
          Other fats, oils, and salad dressing..           39.96           40.94           47.48           40.45
          Nondairy cream and imitation milk.....            6.56            6.75            6.71            6.67
          Peanut butter.........................           12.30           11.53           11.89           11.91
        Miscellaneous foods.....................          387.81          393.26          369.77          383.61
          Frozen prepared foods.................           71.21           73.99           65.79           70.33
            Frozen meals........................           25.00           22.99           20.54           22.84
            Other frozen prepared foods.........           46.21           51.01           45.25           47.49
          Canned and packaged soups.............           26.23           25.44           30.21           27.29
          Potato chips, nuts, and other snacks..           78.66           78.63           75.91           77.73
            Potato chips and other snacks.......           62.03           62.34           59.81           61.39
            Nuts................................           16.63           16.29           16.10           16.34
          Condiments and seasonings.............           87.93           90.44           82.47           86.95
            Salt, spices, other seasonings......           19.15           20.79           19.68           19.87
            Olives, pickles, relishes...........           11.05           10.82           10.76           10.88
            Sauces and gravies..................           42.03           43.55           38.05           41.21
            Baking needs and misc. products.....           15.71           15.29           13.98           14.99
          Other canned and packaged prepared                                                                    
           foods................................          123.78          124.75          115.39          121.31
            Salads and desserts.................           17.87           20.42           19.30           19.15
            Baby food...........................           23.56           24.11           27.68           25.12
            Miscellaneous prepared foods........           82.35           80.22           68.41           76.99
        Nonalcoholic beverages..................          233.06          219.33          241.81          231.40
          Cola..................................           92.26           86.71           93.27           90.75
          Other carbonated drinks...............           39.32           40.41           40.20           39.98
          Coffee................................           42.59           40.13           43.29           42.00
            Roasted coffee......................           25.35           24.56           29.20           26.37
            Instant and freeze dried coffee.....           17.24           15.57           14.09           15.63
          Noncarbonated fruit flavored drinks...           25.74           20.15              NA           22.95
          Noncarbonated fruit flavored drinks,                                                                  
           inc. non-frozen lemonade.............              NA              NA           23.02           23.02
          Tea...................................           14.66           14.26           16.75           15.22
           Nonalcoholic beer....................              NA              NA            0.76            0.76
          Other nonalcoholic beverages..........           18.51           17.68           24.52           20.24
        Food prepared by consumer unit on out-of-                                                               
         town trips.............................           43.13           44.12           48.98           45.41
    Food away from home.........................        1,641.99        1,674.21        1,762.72        1,692.97
      Meals at restaurants, carry-outs and other        1,300.05        1,344.40        1,363.26        1,335.90
        Lunch...................................          463.89          476.89          475.88          472.22
        Dinner..................................          601.50          619.67          668.88          630.02
        Snacks and nonalcoholic beverages.......          133.59          141.35          110.46          128.47
        Breakfast and brunch....................          101.08          106.49          108.05          105.21
      Board (including at school)...............           43.00           46.92           50.40           46.77
      Catered affairs...........................           46.07           40.77           55.38           47.41

[[Page 14210]]

                                                                                                                
      Food on out-of-town trips.................          178.84          167.14          213.45          186.48
      School lunches............................           46.89           47.40           54.93           49.74
      Meals as pay..............................           27.13           27.58           25.30           26.67
  Alcoholic beverages...........................          313.94          321.12          296.57          310.54
    At home.....................................          166.77          177.01          175.40          173.06
      Beer and ale..............................           87.98           99.54          108.74           98.75
      Whiskey...................................           17.07           14.23           14.25           15.18
      Wine......................................           45.33           43.11           36.06           41.50
      Other alcoholic beverages.................           16.38           20.13           16.36           17.62
    Away from home..............................          147.17          144.11          121.17          137.48
      Beer and ale..............................           46.76           48.77           42.50           46.01
      Wine......................................           25.57           22.95           16.74           21.75
      Other alcoholic beverages.................           46.66           47.06           30.22           41.31
      Alcoholic beverages purchased on trips....           28.19           25.34           31.71           28.41
  Housing.......................................        9,325.13        9,528.41       10,189.41        9,680.98
    Shelter.....................................        5,208.28        5,431.78        5,695.83        5,445.30
      Owned dwellings...........................        3,279.50        3,307.24        3,464.04        3,350.26
        Mortgage interest and charges...........        1,951.95        1,984.40        1,925.26        1,953.87
          Mortgage interest.....................        1,880.31        1,856.78        1,825.30        1,854.13
          Interest paid, home equity loan.......           33.34           63.99           44.67           47.33
          Interest paid, home equity line of                                                                    
           credit...............................           37.94           63.32           54.73           52.00
          Prepayment penalty charges............            0.36            0.31            0.56            0.41
        Property taxes..........................          767.69          760.97          879.41          802.69
        Maintenance, repairs, insurance, other                                                                  
         expenses...............................          559.86          561.86          659.37          593.70
          Homeowners and related insurance......          164.20          176.37          209.07          183.21
            Fire and extended coverage..........            3.84            5.02            6.34            5.07
            Homeowners insurance................          160.36          171.35          202.73          178.15
          Ground rent...........................           33.78           33.40           40.26           35.81
          Maintenance and repair services.......          278.55          268.09          312.65          286.43
            Painting and papering...............           39.24           37.27           43.27           39.93
            Plumbing and water heating..........           31.48           34.02           36.45           33.98
            Heat, a/c, electrical work..........           45.96           53.14           55.08           51.39
            Roofing and gutters.................           54.11           40.98           48.91           48.00
            Other repair and maintenance                                                                        
             services (old).....................           99.93           91.16              NA           95.55
            Other repair and maintenance                                                                        
             services...........................              NA              NA          112.39          112.39
            Repair and replacement of hard                                                                      
             surface flooring...................            6.47           10.16           14.76           10.46
            Repair of built-in appliances.......            1.36            1.36            1.78            1.50
          Maintenance and repair commodities....           69.18           63.89           75.59           69.55
            Paints, wallpaper and supplies......           16.27           16.50           18.95           17.24
            Tools and equipment for painting and                                                                
             wallpapering.......................            1.75            1.77            2.04            1.85
            Plumbing supplies and equipment.....            7.65            5.96            8.57            7.39
            Electrical supplies, heating and                                                                    
             cooling equipment..................            3.44            7.13            5.86            5.48
            Materials for hard surface flooring,                                                                
             repair/replacement.................            2.17            3.13            5.08            3.46
            Materials and equipment for roof and                                                                
             gutters............................            6.61            6.20            5.94            6.25
            Materials for plaster, panelling,                                                                   
             siding, doors, etc.................           10.86            7.29           12.78           10.31
            Materials for patio, walk, fence,                                                                   
             driveway, etc......................            0.55            0.67            0.52            0.58
            Materials for landscaping                                                                           
             maintenance........................            1.77            1.15            1.48            1.47
            Miscellaneous supplies and equipment           18.11           14.08           14.37           15.52
              Material for insulation, other                                                                    
               maint., and repair...............           12.55            7.84           10.19           10.19
              Materials to finish basements,                                                                    
               remodelling, etc.................            5.56            6.24            4.18            5.33
          Property management and security......           13.44           20.12           21.59           18.38
            Property management.................            8.61           13.24           12.78           11.54
            Management and upkeep services for                                                                  
             security...........................            4.84            6.88            8.81            6.84
          Parking...............................            0.70              NA            0.21            0.46
      Rented dwellings..........................        1,609.43        1,787.19        1,828.52        1,741.71
        Rent....................................        1,538.23        1,714.30        1,755.05        1,669.19
        Rent as pay.............................           44.87           37.09           42.31           41.42
        Maintenance, insurance and other                                                                        
         expenses...............................           26.33           35.80           31.16           31.10
          Tenant's insurance....................            9.76            9.16            9.65            9.52
          Maintenance and repair services.......            9.96           11.88           11.56           11.13
            Repair or maintenance services (old)            9.49           11.52              NA           10.51
            Repair or maintenance services......              NA              NA           10.37           10.37
            Repair and replacement of hard                                                                      
             surface flooring...................            0.38            0.29            1.05            0.57
            Repair of built-in appliances.......            0.08            0.07            0.13            0.09
          Maintenance and repair commodities....            6.61           14.76            9.95           10.44
            Paint, wallpaper, and supplies......            2.07            1.70            2.09            1.95
            Tools and equipment for painting and                                                                
             wallpapering.......................            0.22            0.18            0.22            0.21
            Materials for plastering, panels,                                                                   
             roofing, gutters, etc..............            0.43            2.86            1.23            1.51
            Materials for patio, walk, fence,                                                                   
             driveway, etc......................            0.02            0.04            0.09            0.05

[[Page 14211]]

                                                                                                                
            Plumbing supplies and equipment.....            0.25            0.55            0.70            0.50
            Electrical supplies, heating and                                                                    
             cooling equipment..................            0.34            0.26            1.36            0.65
            Miscellaneous supplies and equipment            2.17            7.71            3.41            4.43
              Material for insulation, other                                                                    
               maintenance and repair...........            0.82            1.51            1.13            1.15
              Termite and pest control (capital                                                                 
               improvement).....................              NA              NA              NA              NA
              Materials for additions, finishing                                                                
               basements, etc...................            1.34            5.90            1.67            2.97
              Construction materials for jobs                                                                   
               not started......................            0.01            0.30            0.61            0.31
            Material for hard surface flooring..            0.59            0.90            0.54            0.68
            Material for landscape maintenance..            0.53            0.55            0.31            0.46
      Other lodging.............................          319.35          337.35          403.28          353.33
        Owned vacation homes....................           92.13          115.29          122.14          109.85
          Mortgage interest and charges.........           39.20           54.55           43.30           45.68
            Mortgage interest...................           38.93           50.60           39.56           43.03
            Interest paid, home equity loan.....            0.02            1.06            0.43            0.50
            Interest paid, home equity line of                                                                  
             credit.............................            0.26            2.88            3.31            2.15
            Prepayment penalty charge...........              NA              NA              NA              NA
          Property taxes........................           37.77           42.04           51.02           43.61
          Maintenance, insurance, and other                                                                     
           expenses.............................           15.17           18.70           27.82           20.56
            Homeowners and related insurance....            3.79            4.10            7.66            5.18
              Homeowners insurance..............            3.65            3.86            7.35            4.95
              Fire and extended coverage........            0.14            0.24            0.31            0.23
            Ground rent.........................            2.32            1.75            3.62            2.56
            Maintenance and repair services.....            5.25            7.53           11.87            8.22
              Repair and remodeling services                                                                    
               (old)............................            5.14            7.39              NA            6.27
              Repair and remodeling services....              NA              NA           11.40           11.40
              Repair and replacement of hard                                                                    
               surface flooring.................            0.11            0.15            0.47            0.24
            Maintenance and repair commodities..            0.53            1.97            1.35            1.28
              Paints, wallpaper, supplies.......            0.15            1.31            0.16            0.54
              Tools and equipment for painting                                                                  
               and wallpapering.................            0.02            0.14            0.02            0.06
              Materials for plaster., panel.,                                                                   
               roof., gutters, etc..............            0.05            0.07            0.10            0.07
              Material for patio, walk, fence,                                                                  
               drive, masonry, etc..............            0.00            0.01              NA            0.01
              Plumbing supplies and equipment...            0.05            0.32            0.05            0.14
              Electrical supplies, heating and                                                                  
               cooling equipment................            0.09            0.03              NA            0.06
              Miscellaneous supplies and                                                                        
               equipment........................            0.12            0.09            0.99            0.40
                Material for insulation, other                                                                  
                 maintenance and repair.........            0.04            0.09            0.99            0.37
                Material for finishing basements                                                                
                 & remodeling rooms.............            0.08              NA              NA            0.08
              Materials for hard surface                                                                        
               flooring.........................              NA              NA            0.03            0.03
              Materials for landscaping                                                                         
               maintenance......................            0.06              NA              NA            0.06
            Property management and security....            3.19            3.35            3.27            3.27
              Property management...............            1.96            2.25            2.36            2.19
              Management and upkeep services for                                                                
               security.........................            1.23            1.10            0.91            1.08
            Parking.............................            0.09              NA            0.06            0.08
        Housing while attending school..........           59.66           54.71           59.54           57.97
        Lodging on out-of-town trips............          167.56          167.34          221.60          185.50
    Utilities, fuels, and public services.......        1,961.13        1,962.49        2,170.32        2,031.31
      Natural gas...............................          240.89          246.97          280.09          255.98
        Utility--natural gas (renter)...........           50.96           55.98           60.54           55.83
        Utility--natural gas (owned home).......          189.11          189.86          216.97          198.65
        Utility--natural gas (owned vacation)...            0.82            1.07            2.53            1.47
        Utility--natural gas (rented vacation)..              NA            0.06            0.05            0.06
      Electricity...............................          791.57          770.65          846.21          802.81
        Electricity (renter)....................          189.36          201.59          207.80          199.58
        Electricity (owned home)................          595.84          562.26          630.39          596.16
        Electricity (owned vacation)............            6.00            6.59            7.36            6.65
        Electricity (rented vacation)...........            0.37            0.20            0.65            0.41
      Fuel oil and other fuels..................          103.30           93.93           98.11           98.45
        Fuel oil................................           62.83           55.61           59.27           59.24
          Fuel oil (renter).....................            5.61            7.00            6.49            6.37
          Fuel oil (owned home).................           56.67           48.25           52.38           52.43
          Fuel oil (owned vacation).............            0.51            0.36            0.40            0.42
          Fuel oil (rented vacation)............            0.04              NA              NA            0.04
        Coal....................................            4.66            2.50            1.66            2.94
          Coal (renter).........................            0.26            0.05            0.55            0.29
          Coal (owned home).....................            4.38            2.44            1.12            2.65
          Coal (owned vacation).................            0.02            0.02              NA            0.02
          Coal (rented vacation)................              NA              NA              NA              NA
        Bottled gas.............................           27.47           27.18           30.68           28.44
          Gas, btld/tank (renter)...............            4.19            4.79            4.19            4.39
          Gas, btld/tank (owned home)...........           21.14           20.75           23.43           21.77

[[Page 14212]]

                                                                                                                
          Gas, btld/tank (owned vacation).......            2.11            1.64            3.03            2.26
          Gas, btld/tank (rented vacation)......            0.02              NA            0.04            0.03
        Wood and other fuels....................            8.35            8.64            6.49            7.83
          Wood/other fuels (renter).............            1.37            1.59            0.61            1.19
          Wood/other fuels (owned home).........            6.92            6.71            5.81            6.48
          Wood/other fuels (owned vacation).....            0.05            0.34            0.06            0.15
          Wood/other fuels (rented vacation)....              NA              NA              NA              NA
      Telephone services........................          608.50          619.87          688.52          638.96
        Telephone (old).........................           48.22            0.00              NA           24.11
        Telephone services in home city,                                                                        
         excluding car phones...................          560.28          619.87          674.31          618.15
        Telephone services for mobile car phones              NA              NA           14.21           14.21
      Water and other public services...........          216.87          231.08          257.41          235.12
        Water and sewerage maintenance..........          159.33          160.22          182.67          167.41
          Water/sewer maint. (renter)...........           22.04           24.38           26.75           24.39
          Water/sewer maint. (owned home).......          136.19          133.69          154.37          141.42
          Water/sewer maint. (owned vacation)...            1.09            2.10            1.50            1.56
          Water/sewer maint. (rented vacation)..            0.01            0.05            0.04            0.03
        Trash and garbage collection............           55.90           69.38           73.48           66.25
          Trash/garb. coll. (renter)............            7.26            7.37            9.37            8.00
          Trash/garb. coll. (owned home)........           47.64           59.92           62.61           56.72
          Trash/garb. coll. (owned vacation)....            1.00            2.09            1.45            1.51
          Trash/garb. coll. (rented vacation)...              NA            0.01            0.04            0.02
        Septic tank cleaning....................            1.65            1.47            1.26            1.46
          Septic tank clean. (renter)...........            0.07            0.11            0.01            0.06
          Septic tank clean. (owned home).......            1.57            1.29            1.23            1.36
          Septic tank clean. (owned vacation)...            0.01            0.07              NA            0.04
          Septic tank clean. (rented vacation)..              NA              NA            0.01            0.01
    Household operations........................          451.97          487.20          499.86          479.68
      Personal services.........................          224.86          253.05          240.70          239.54
        Babysitting.............................           83.78           85.92           81.17           84.85
        Care for elderly, invalids, handicapped,                                                                
         etc....................................           26.56           43.92           19.24           29.91
        Day-care centers, nursery, and                                                                          
         preschools.............................          114.51          123.21          140.29          126.00
      Other household expenses..................          227.11          234.15          259.16          240.14
        Housekeeping services...................           77.46           71.70           82.83           77.33
        Gardening, lawn care service............           60.85           64.99           69.73           65.19
        Water softening service.................            2.72            3.28            2.65            2.88
        Household laundry, dry cleaning, sent                                                                   
         out (nonclothing)......................            2.21            2.32            1.79            2.11
        Coin-operated laundry and dry cleaning                                                                  
         (nonclothing)..........................            4.91            5.58            5.40            5.30
        Services for termite/pest control                                                                       
         maintenance............................              NA              NA            7.46            7.46
        Other home services.....................           16.79           18.38           20.11           18.43
        Termite/pest control products...........            0.22            0.29            0.29            0.27
        Moving, storage, freight express........           22.73           24.37           27.54           24.88
        Appliance repair, including service                                                                     
         center.................................           16.96           15.88           15.24           16.03
        Reupholstering, furniture repair........           11.51           18.56           11.03           13.70
        Repair/rental of lawn/garden equipment,                                                                 
         tools, etc.............................            5.78            3.74            9.20            6.24
        Appliance rental........................            1.28            1.86            1.55            1.56
        Rental of office equipment for                                                                          
         nonbusiness use........................            0.17            0.13            0.31            0.20
        Repair of misc. household equipment and                                                                 
         furnishings............................            2.34            1.89            2.46            2.23
        Repair of computer systems for                                                                          
         nonbusiness use........................            1.19            1.19            1.57            1.32
        Rental/installation of dishwashers,                                                                     
         range hoods, etc.......................              NA              NA              NA              NA
    Housekeeping supplies.......................          451.34          462.61          424.30          446.08
      Laundry and cleaning supplies.............          123.66          123.97          117.94          121.86
        Soaps and detergents....................           73.49           70.41           66.49           70.13
        Other laundry cleaning products.........           50.17           53.56           51.45           51.73
      Other household products..................          197.81          211.79          187.75          199.12
        Cleansing and toilet tissue, paper                                                                      
         towels and napkins.....................           62.60           60.52           60.17           61.10
        Miscellaneous household products........           91.22           94.75           80.66           88.88
        Lawn and garden supplies................           44.00           56.52           46.92           49.15
      Postage and stationery....................          129.87          126.85          118.61          125.11
        Stationery, stationery supplies,                                                                        
         giftwraps..............................           66.09           62.59           62.86           63.85
        Postage.................................           63.78           64.26           55.74           61.26
    Household furnishings and equipment.........        1,252.41        1,184.33        1,399.10        1,278.61
      Household textiles........................          107.35           94.56          106.15          102.69
        Bathroom linens.........................           24.61           15.62           13.89           18.04
        Bedroom linens..........................           39.34           43.17           52.67           45.06
        Kitchen and dining room linens..........            4.76            7.84            7.27            6.62
        Curtains and draperies..................           18.09           19.11           19.08           18.76
        Slipcovers, decorative pillows..........            1.36            1.42            2.08            1.62
        Sewing material for slipcovers,                                                                         
         curtains, etc..........................           18.17            6.54           10.11           11.61

[[Page 14213]]

                                                                                                                
        Other linens............................            1.04            0.86            1.04            0.98
      Furniture.................................          297.24          316.15          323.70          312.36
        Mattress and springs....................           35.82           38.97           44.00           39.60
        Other bedroom furniture.................           46.24           57.57           53.64           52.48
        Sofas...................................           65.48           70.67           76.89           71.01
        Living room chairs......................           34.99           30.70           34.47           33.39
        Living room tables......................           14.24           17.63           14.27           15.38
        Kitchen, dining room furniture..........           46.11           42.37           49.61           46.03
        Infants' furniture......................            7.58            6.74            6.04            6.79
        Outdoor furniture.......................           13.59           11.02           12.29           12.30
        Occasional furniture....................           33.18           40.48           32.50           35.39
      Floor coverings...........................          128.97           61.08          131.65          107.23
        Wall-to-wall carpeting (renter).........            2.02            2.57            2.50            2.36
          Wall-to-wall carpet, installed                                                                        
           (renter).............................            1.56            2.05            2.12            1.91
          Wall-to-wall carpet, not installed                                                                    
           carpet squares (renter)..............            0.46            0.52            0.38            0.45
        Wall-to-wall carpet (replacement) (owned                                                                
         home)..................................           34.99           29.06           34.44           32.83
          Wall-to-wall carpet, not installed,                                                                   
           carpet squares (owner)...............            2.91            1.89            1.81            2.20
          Wall-to-wall carpet, installed                                                                        
           (replacement) (owner)................           32.08           27.17           32.63           30.63
        Room size rugs and other floor covering,                                                                
         nonpermanent...........................           91.96           29.45           94.72           72.04
      Major appliances..........................          131.98          144.89          152.32          143.06
        Dishwashers (built-in), garbage                                                                         
         disposals, etc. (renter)...............            0.98            0.16            0.75            0.63
        Dishwashers (built-in), garbage                                                                         
         disposals, etc. (owner)................            9.54            7.21           10.97            9.24
        Refrigerators, freezers (renter)........            7.51            8.38            6.90            7.60
        Refrigerators, freezers (owned home)....           25.85           33.30           38.91           32.69
        Washing machines (renter)...............            4.28            6.28            6.05            5.54
        Washing machines (owned home)...........           17.22           15.85           14.39           15.82
        Clothes dryers (renter).................            2.34            3.35            4.04            3.24
        Clothes dryers (owned home).............            7.05            9.78            9.31            8.71
        Cooking stoves, ovens (renter)..........            2.18            3.11            2.42            2.57
        Cooking stoves, ovens (owned home)......           13.20           14.81           22.97           16.99
        Microwave ovens (renter)................            2.09            3.09            3.35            2.84
        Microwave ovens (owned home)............            4.85            4.74            6.48            5.36
        Portable dishwasher (renter)............            0.14            0.11            0.08            0.11
        Portable dishwasher (owned home)........            0.24            1.15            0.49            0.63
        Window air conditioners (renter)........            1.12            1.18            2.83            1.71
        Window air conditioners (owned home)....            7.61            3.31            3.93            4.95
        Electric floor cleaning equipment.......           15.03           13.63           13.92           14.19
        Sewing machines.........................            5.19            5.15            2.92            4.42
        Miscellaneous household appliances......            5.56           10.29            1.61            5.82
      Small appliances, miscellaneous housewares           83.38           86.46           85.73           85.19
        Housewares..............................           57.82           62.47           60.60           60.30
          Plastic dinnerware....................            1.79            1.61            1.60            1.67
          China and other dinnerware............           11.56           11.60           11.63           11.60
          Flatware..............................            4.07            3.97            5.16            4.40
          Glassware.............................            7.08           13.59            8.14            9.60
          Silver serving pieces.................            3.83            1.35            1.31            2.16
          Other serving pieces..................            1.78            1.59            1.63            1.67
          Nonelectric cookware..................           11.67           11.66           15.22           12.85
          Tableware, nonelectric kitchenware....           16.02           17.08           15.92           16.34
        Small appliances........................           25.56           23.99           25.13           24.89
          Small electric kitchen appliances.....           18.05           18.75           18.19           18.33
          Portable heating and cooling equipment            7.52            5.23            6.94            6.56
      Miscellaneous household equipment.........          503.48          481.19          599.55          528.07
        Window coverings........................           12.79           17.37           14.48           14.88
        Infants' equipment......................           10.62            5.52            7.46            7.87
        Laundry and cleaning equip..............            9.19           10.99           11.25           10.48
        Outdoor equipment.......................            6.20            4.83            5.48            5.50
        Clocks..................................            4.45            3.38            5.32            4.38
        Lamps and lighting fixtures.............           22.80           26.10           36.98           28.63
        Other household decorative items........          107.69          111.16          119.06          112.64
        Telephones and accessories..............           62.21           20.55           38.10           40.29
        Lawn and garden equipment...............           39.58           43.15           53.17           45.30
        Power tools.............................           13.25           16.15           13.51           14.30
        Small miscellaneous furnishings.........            5.23            1.15            1.88            2.75
        Hand tools..............................           11.71           14.07            9.88           11.89
        Indoor plants, fresh flowers............           57.80           53.49           52.70           54.66
        Closet and storage items................            6.99           12.21            8.33            9.18
        Rental of furniture.....................            3.36            3.67            4.53            3.85
        Luggage.................................            7.49            7.04            8.00            7.51

[[Page 14214]]

                                                                                                                
        Computers and computer hardware                                                                         
         nonbusiness use........................           63.64           63.66          115.01           80.77
        Computer software/accessories for                                                                       
         nonbusiness use........................            8.69            9.48           20.05           12.74
        Telephone answering devices.............            5.00            4.64            3.95            4.53
        Calculators.............................            2.56            1.57            2.35            2.16
        Business equipment for home use.........            5.02            4.23            4.75            4.67
        Other hardware..........................           11.83           13.74           25.27           16.95
        Smoke alarms (owned home)...............            0.38            0.47            0.86            0.57
        Smoke alarms (renter)...................            0.09            0.06            0.15            0.10
        Smoke alarms (owned vacation)...........              NA              NA              NA              NA
        Other household appliances (owned home).            4.63            4.40            6.69            5.24
        Other household appliances (renter).....            0.87            0.99            1.36            1.07
        Miscellaneous household equipment and                                                                   
         parts..................................           19.42           27.08           28.95           25.15
  Apparel and services..........................        1,801.23        1,732.90        1,688.22        1,740.78
    Men and boys................................          448.88          436.86          418.74          434.83
      Men, 16 and over..........................          357.81          353.05          320.76          343.87
        Men's suits.............................           39.20           43.98           32.42           38.53
        Men's sportcoats, tailored jackets......           13.84           12.04           13.87           13.25
        Men's coats and jackets.................           30.48           26.12           29.56           28.72
        Men's underwear.........................           12.26           14.13           12.90           13.10
        Men's hosiery...........................           12.60           13.73           10.30           12.21
        Men's nightwear.........................            6.24            5.84            2.73            4.94
        Men's accessories.......................           34.42           33.64           29.43           32.50
        Men's sweaters and vests................           13.47           13.11           14.23           13.60
        Men's active sportswear.................           12.15           11.96           11.96           12.02
        Men's shirts............................           87.10           87.25           79.19           84.51
        Men's pants.............................           77.09           70.18           62.55           69.94
        Men's shorts, shorts sets...............           13.53           16.40           15.91           15.28
        Men's uniforms..........................            5.00            3.70            3.35            4.02
        Men's costumes..........................            0.42            0.98            2.34            1.25
      Boys, 2 to 15.............................           91.07           83.82           97.98           90.96
        Boys' coats and jackets.................            4.36            5.73            6.61            5.57
        Boys' sweaters..........................            3.09            2.70            2.76            2.85
        Boys' shirts............................           21.80           19.50           21.53           20.94
        Boys' underwear.........................            4.96            4.89            4.57            4.81
        Boys' nightwear.........................            2.21            2.83            2.13            2.39
        Boys' hosiery...........................            4.97            4.26            3.75            4.33
        Boys' accessories.......................            4.58            5.19            7.57            5.78
        Boys' suits, sportcoats, vests..........            0.51            2.13            6.10            2.91
        Boys' pants.............................           24.72           19.41           21.77           21.97
        Boys' shorts, shorts sets...............           11.51            9.03           12.15           10.90
        Boys' uniforms, active sportswear.......            7.43            7.30            7.76            7.50
        Boys' costumes..........................            0.93            0.85            1.30            1.03
    Women and girls.............................          724.73          703.40          653.73          693.95
      Women, 16 and over........................          624.19          607.23          552.35          594.59
        Women's coats and jackets...............           40.55           58.80           49.54           49.63
        Women's dresses.........................          118.10           89.96           81.37           96.48
        Women's sportcoats, tailored jackets....            6.02            3.90            4.15            4.69
        Women's vests and sweaters..............           46.00           40.43           32.73           39.72
        Women's shirts, tops, blouses...........          114.03          106.20           96.49          105.57
        Women's skirts..........................           28.63           21.52           19.13           23.09
        Women's pants...........................           69.35           79.18           58.46           69.00
        Women's shorts, shorts sets.............           20.40           23.33           23.01           22.25
        Women's active sportswear...............           28.54           32.91           24.30           28.58
        Women's sleepwear.......................           20.98           25.33           24.72           23.68
        Women's undergarments...................           27.53           33.13           24.46           28.37
        Women's hosiery.........................           27.13           25.01           25.02           25.72
        Women's suits...........................           33.54           30.71           37.27           33.84
        Women's accessories.....................           38.59           33.98           49.54           40.70
        Women's uniforms........................            1.47            1.82            0.42            1.24
        Women's costumes........................            3.34            1.01            1.73            2.03
      Girls, 2 to 15............................          100.53           96.17          101.38           99.36
        Girls' coats and jackets................            6.71            7.65            7.23            7.20
        Girls' dresses, suits...................           13.87           13.23           13.99           13.70
        Girls' shirts, blouses, sweaters........           23.20           22.42           25.48           23.70
        Girls' skirts and pants.................           15.56           14.87           16.06           15.50
        Girls' shorts, shorts sets..............            8.41            9.83            9.07            9.10
        Girls' active sportswear................           10.66            8.41            6.56            8.54
        Girls' underwear and sleepwear..........            6.16            6.26            7.49            6.64
        Girls' hosiery..........................            6.09            5.05            5.82            5.65

[[Page 14215]]

                                                                                                                
        Girls' accessories......................            5.49            4.50            4.55            4.85
        Girls' uniforms.........................            2.26            1.86            2.15            2.09
        Girls' costumes.........................            2.12            2.08            2.98            2.39
    Children under 2............................           85.67           80.39           83.32           83.13
      Infant coat, jacket, snowsuit.............            2.99            3.25            2.69            2.98
      Infant dresses, outerwear.................           17.87           20.75           22.30           20.31
      Infant underwear..........................           51.00           46.85           49.15           49.00
      Infant nightwear, loungewear..............            3.11            4.26            3.94            3.77
      Infant accessories........................            5.15            5.28            5.23            5.22
      Infant hosiery............................            0.10              NA              NA            0.10
    Footwear....................................          258.04          243.05          258.43          253.17
      Men's footwear............................           72.47           73.53           84.05           76.68
      Boys' footwear............................           29.42           31.65           34.18           31.75
      Women's footwear..........................          128.82          115.47          113.26          119.18
      Girls' footwear...........................           27.33           22.41           26.94           25.56
    Other apparel products and services.........          283.91          269.19          274.00          275.70
      Material for making clothes...............            9.10            8.58            7.24            8.31
      Sewing patterns and notions...............            3.00            2.56            2.57            2.71
      Watches...................................           20.45           20.47           24.45           21.79
      Jewelry...................................          121.45          108.73          108.96          113.05
      Shoe repair and other shoe service........            4.27            3.47            3.16            3.63
      Coin-operated apparel laundry and dry                                                                     
       cleaning.................................           37.63           38.61           37.33           37.86
      Apparel alteration and repair.............            6.23            6.02            6.90            6.38
      Clothing rental...........................            4.02            3.56            3.75            3.78
      Watch and jewelry repair..................            6.94            5.54            5.99            6.16
      Apparel laundry and dry cleaning not coin                                                                 
       operated.................................           69.99           70.94           73.18           71.37
      Clothing storage..........................            0.83            0.71            0.47            0.67
  Transportation................................        5,235.41        5,232.14        6,075.53        5,514.36
    Vehicle purchases (net outlay)..............        2,154.04        2,167.03        2,703.01        2,341.36
      Cars and trucks, new......................        1,072.55        1,095.97        1,333.33        1,167.28
        New cars................................          749.65          749.56          727.70          742.30
        New trucks..............................          322.90          346.42          605.63          424.98
      Cars and trucks, used.....................        1,060.67        1,033.39        1,320.82        1,138.29
        Used cars...............................          742.29          737.98          866.68          782.32
        Used trucks.............................          318.39          295.42          454.14          355.98
      Other vehicles............................           20.82           37.66           48.85           35.78
        New motorcycles.........................            2.87           18.06           25.77           15.57
        New aircraft............................              NA              NA              NA              NA
        Used motorcycles........................           17.95            9.04           23.09           16.69
        Used aircraft...........................              NA           10.57              NA           10.57
    Gasoline and motor oil......................          998.10          972.68          989.97          986.92
      Gasoline..................................          884.83          868.13          877.48          876.81
      Diesel fuel...............................            9.23            9.86            9.16            9.42
      Gasoline on out-of-town trips.............           91.98           82.43           90.64           88.35
      Gasohol...................................              NA              NA            0.18            0.18
      Motor oil.................................           11.31           11.44           11.60           11.45
      Motor oil on out-of-town trips............            0.74            0.83            0.92            0.83
    Other vehicle expenses......................        1,775.67        1,805.62        1,989.07        1,856.79
      Vehicle finance charges...................          280.20          258.96          238.49          259.22
        Automobile finance charges..............          190.05          169.13          139.82          166.33
        Truck finance charges...................           75.90           71.72           86.72           78.11
        Motorcycle and plane finance charges....            0.50            1.93            1.05            1.16
        Other vehicle finance charges...........           13.76           16.18           10.90           13.61
      Maintenance and repairs...................          641.71          627.51          700.79          656.67
        Coolant, additives, brake, transmission                                                                 
         fluids.................................            6.94            6.77            6.32            6.68
        Tires - purchased, replaced, installed..           85.76           92.70           89.79           89.42
        Parts, equipment, and accessories.......          100.00           75.63          111.43           95.69
        Vehicle audio equipment, excluding labor              NA              NA            5.45            5.45
        Vehicle products........................            3.19            3.14            5.28            3.87
        Misc. auto repair, servicing............           22.31           20.13           33.34           25.26
        Body work and painting..................           30.35           32.21           36.88           33.15
        Clutch, transmission repair.............           35.98           34.71           46.56           39.08
        Drive shaft and rear-end repair.........            6.97            7.96            5.94            6.96
        Brake work..............................           42.57           43.87           43.70           43.38
        Repair to steering or front-end.........           12.69           15.62           18.42           15.58
        Repair to engine cooling system.........           24.02           24.59           22.60           23.74
        Motor tune-up...........................           46.97           46.95           42.86           45.59
        Lube, oil change, and oil filters.......           33.01           35.54           39.86           36.14
        Front-end alignment, wheel balance......           11.64           12.40              NA           12.02

[[Page 14216]]

                                                                                                                
        Front-end alignment, wheel balance and                                                                  
         rotation...............................              NA              NA            9.78            9.78
        Shock absorber replacement..............            9.13            8.25            7.04            8.14
        Brake adjustment........................            6.83            5.13            3.89            5.28
        Gas tank repair, replacement............            1.18            1.60            2.52            1.77
        Repair tires and other repair work......           33.15           33.63           27.94           31.57
        Vehicle air conditioning repair.........              NA              NA           14.87           14.87
        Exhaust system repair...................           18.36           18.29           20.56           19.07
        Electrical system repair................           26.00           28.19           31.39           28.53
        Motor repair, replacement...............           79.50           73.60           69.19           74.10
        Auto repair service policy..............            5.18            6.60            5.17            5.65
      Vehicle insurance.........................          619.68          638.83          698.00          652.17
      Vehicle rental, leases, licenses, other                                                                   
       charges..................................          234.08          280.31          351.79          288.73
        Leased and rented vehicles..............           95.89          125.45          196.83          139.39
          Rented vehicles.......................           33.77           32.93           39.82           35.51
            Auto rental.........................           12.42            8.36            6.03            8.94
            Auto rental, out-of-town trips......           15.41           16.16           26.09           19.22
            Truck rental........................            2.10            2.71            1.68            2.16
            Truck rental, out-of-town trips.....            2.49            5.20            4.61            4.10
            Motorcycle rental...................              NA              NA              NA              NA
            Aircraft rental.....................            0.27            0.24            0.16            0.22
            Motorcycle rental, out-of-town trips            0.50            0.07            0.09            0.22
            Aircraft rental, out-of-town trips..            0.58            0.20            1.16            0.65
          Leased vehicles.......................           62.11           92.52          157.01          103.88
            Car lease payments..................           47.74           69.08          104.24           73.69
            Cash downpayment (car lease)........            2.12            8.22            9.84            6.73
            Termination fee (car lease).........            0.16            0.14            0.44            0.25
            Truck lease payments................           11.01           12.47           38.15           20.54
            Cash downpayment (truck lease)......            1.09            1.52            4.30            2.30
            Termination fee (truck lease).......              NA            1.08            0.03            0.56
        State and local registration............           75.17           87.09           82.74           81.67
        Driver's license........................            7.27            7.41            7.34            7.34
        Vehicle inspection......................            8.31            9.03            8.78            8.71
        Parking fees............................           23.86           23.01           27.47           24.78
          Parking fees (old)....................            1.34            0.00              NA            0.67
          Parking fees in home city, excluding                                                                  
           residence............................           19.97           20.52           24.17           21.55
          Parking fees, out-of-town trips.......            2.54            2.49            3.30            2.78
        Tolls...................................            8.71           10.98           10.47           10.05
        Tolls on out-of-town trips..............            4.51            4.18            4.69            4.46
        Towing charges..........................            4.89            5.02            5.37            5.09
        Automobile service clubs................            5.48            8.14            8.10            7.24
    Public transportation.......................          307.60          286.82          393.48          329.30
      Airline fares.............................          183.39          173.89          253.06          203.45
      Intercity bus fares.......................            7.84           10.90           11.57           10.10
      Intracity mass transit fares..............           54.01           48.57           49.28           50.62
      Local trans. on out-of-town trips.........            3.34            8.74           10.19            7.42
      Taxi fares on trips.......................           17.17            5.14            5.99            9.43
      Taxi fares................................            6.78            6.46            8.23            7.16
      Intercity train fares.....................           14.66           17.38           17.13           16.39
      Ship fares................................           19.63           14.54           36.91           23.69
      School bus................................            0.77            1.21            1.12            1.03
  Health care...................................        1,563.01        1,653.66        1,768.03        1,661.57
    Health insurance............................          652.12          727.65          818.43          732.73
      Commercial health insurance...............          213.85          232.16          251.06          232.36
      Blue Cross, Blue Shield...................          148.51          173.35          159.34          160.40
      Health maintenance plans (HMO's)..........           95.76           90.57          127.97          104.77
      Medicare payments.........................          101.70          111.33          157.72          123.58
      Commercial medicare supplements...........           92.29          120.24          122.35          111.63
    Medical services............................          561.20          546.03          567.28          558.17
      Physician's services......................          179.39          170.75          159.89          170.01
      Dental services...........................          179.38          174.32          194.50          182.73
      Eyecare services..........................           25.60           29.20           29.81           28.20
      Service by professionals other than                                                                       
       physician................................           29.83           32.66           32.95           31.67
      Lab tests, x-rays.........................           25.91           31.35           25.73           27.66
      Hospital room.............................           36.47           37.42           44.70           39.53
      Hospital service other than room..........           53.30           44.63           54.60           50.84
      Medical care in retirement community......              NA              NA              NA              NA
      Care in convalescent or nursing home......           21.05           13.48           13.21           15.91
      Repair of medical equipment...............              NA              NA              NA              NA
      Other medical care services...............            8.07           12.24           11.88            6.77

[[Page 14217]]

                                                                                                                
    Drugs.......................................          258.20          284.99          294.24          279.14
      Nonprescription drugs.....................           73.86           80.16           84.17           79.40
      Prescription drugs........................          184.34          204.83          210.08          199.75
    Medical supplies............................           91.49           94.98           88.07           91.51
      Eyeglasses and contact lenses.............           59.02           57.35           54.20           56.86
      Hearing aids..............................            3.50            7.13            0.94            3.86
      Topicals and dressings....................           21.63           24.32           24.55           23.50
      Medical equipment for general use.........            2.32            2.25            2.41            2.33
      Supportive and convalescent medical                                                                       
       equipment................................            3.48            2.85            3.82            3.38
      Rental of medical equipment...............            0.35            0.35            0.72            0.47
      Rental of supportive, convalescent medical                                                                
       equipment................................            1.19            0.74            1.43            1.12
  Entertainment.................................        1,523.49        1,525.52        1,619.28        1,556.10
    Fees and admissions.........................          384.49          375.11          451.13          403.58
      Recreation expenses, out-of-town trips....           16.61           15.32           22.00           17.98
      Social, recreation, civic club membership.           84.15           85.24           87.17           77.42
      Fees for participant sports...............           69.06           61.15           73.87           68.03
      Participant sports, out-of-town trips.....           20.12           21.17           27.40           22.90
      Movie, theater, opera, ballet.............           66.54           64.92           78.89           70.12
      Movie, other admissions, out-of-town trips           19.72           27.20           37.79           28.24
      Admission to sporting events..............           20.69           22.94           32.52           25.38
      Admission to sports events, out-of-town                                                                   
       trips....................................           17.42            9.08           12.59           13.03
      Fees for recreational lessons.............           53.57           52.76           56.90           54.41
      Other entertainment services, out-of-town                                                                 
       trips....................................           16.61           15.32           22.00           17.98
    Television, radios, sound equipment.........          476.38          493.86          545.23          505.16
      Televisions...............................          328.75          331.31          376.08          345.38
        Community antenna or cable tv...........          180.20          188.40          209.78          192.79
        Black and white tv......................            1.81            3.06            2.23            2.37
        Color tv - console......................           18.13           21.37           25.51           21.67
        Color tv - portable, table model........           44.32           41.51           54.63           46.82
        VCR's and video disc players............           40.40           31.41           32.98           34.93
        Video cassettes, tapes, and discs.......           17.60           18.88           22.55           19.68
        Video game hardware and software........           15.04           16.25           19.24           16.84
        Repair of tv, radio, and sound equipment           10.23            9.60            8.79            9.54
        Rental of televisions...................            1.03            0.81            0.36            0.73
      Radios, sound equipment...................          147.62          162.55          169.15          159.77
        Radios..................................           10.24           10.71            9.05           10.00
        Phonographs.............................            0.60            0.87              NA            0.74
        Tape recorders and players..............            5.75            5.32            5.86            5.64
        Sound components and component systems..           30.53           35.56           31.51           32.53
        Miscellaneous sound equipment...........            0.34            1.68            1.51            1.18
        Sound equipment accessories.............            3.22            4.28            4.83            4.11
        Compact disc, tape, record and video                                                                    
         mail order clubs.......................            8.04            8.97           13.11           10.04
        Records, CDs, audio tapes, needles......           29.54           31.01           37.80           32.78
        Rental of VCR, radio, and sound                                                                         
         equipment..............................            0.70            0.79            0.35            0.61
        Musical instruments and accessories.....           16.03           20.45           17.62           18.03
        Rental and repair of musical instruments            2.42            2.11            2.06            2.20
        Rental of video cassettes, tapes, films,                                                                
         and discs..............................           40.22           40.79           45.45           42.15
    Pets, toys, and playground equipment........          286.11          281.46          305.98          291.18
      Pets......................................          168.99          167.12          177.55          171.22
        Pet food................................           85.02           84.94           82.75           84.24
        Pet purchase, supplies, medicine........           23.73           24.72           29.36           25.94
        Pet services............................           16.52           13.87           16.52           15.64
        Vet services............................           43.72           43.58           48.92           45.41
      Toys, games, hobbies, and tricycles.......          112.46          112.38          125.48          116.77
      Playground equipment......................            4.66            1.96            2.95            3.19
    Other entertainment supplies, equipment, and                                                                
     services...................................          376.51          375.10          316.93          356.18
      Unmotored recreational vehicles...........           14.05           33.20           29.18           25.48
        Boat without motor and boat trailers....            3.85           14.72            5.16            7.91
        Trailer and other attachable campers....           10.20           18.48           24.02           17.57
      Motorized recreational vehicles...........          154.19          142.45           81.72          126.12
        Motorized camper coaches and other                                                                      
         vehicles...............................           75.13           77.70           43.13           76.42
        Purchase of boat with motor.............           79.05           64.75           38.58           60.79
      Rental of recreational vehicles...........            3.71            1.90            2.42            2.68
        Rental noncamper trailer................            0.03            0.05            0.13            0.07
        Boat and trailer rental, out-of-town                                                                    
         trips..................................            2.13            0.47            0.74            1.11
        Rental of campers, etc. on out-of-town                                                                  
         trips (old)............................              NA              NA              NA              NA
        Rental of campers on out-of-town trips..            0.17            0.54            0.39            0.37
        Rental of other vehicles on out-of-town                                                                 
         trips..................................            1.09            0.40            0.66            0.72
        Rental of boat..........................            0.02            0.05            0.10            0.06

[[Page 14218]]

                                                                                                                
        Rental of campers, other r.v.'s.........            0.27            0.39            0.40            0.33
      Outboard motors...........................            1.91            2.17            2.05            2.04
      Docking and landing fees..................            4.50            5.77            5.05            5.11
      Sports, recreation and exercise equipment.          111.11          102.67          115.10          109.63
        Athletic gear, game tables, and exercise                                                                
         equipment..............................           45.33           45.98           54.37           48.56
        Bicycles................................           19.23           16.46           14.10           16.60
        Camping equipment.......................            4.50            3.77            3.61            3.96
        Hunting and fishing equipment...........           20.54           16.92           20.58           19.35
        Winter sports equipment.................            5.30            3.19            4.99            4.49
        Water and miscellaneous sport equipment.           14.50           14.68           15.51           14.59
        Rental and repair of misc. sports                                                                       
         equipment..............................            1.70            1.68            1.95            1.78
      Photographic equipment and supplies.......           81.69           81.66           74.17           79.17
        Film....................................           21.01           20.32           20.48           20.60
        Other photographic supplies.............            1.43            0.17            0.31            0.64
        Film processing.........................           28.58           27.09           28.34           28.00
        Repair and rental of photographic                                                                       
         equipment..............................            0.55            0.39            0.33            0.42
        Photographic equipment..................           14.65           13.47           12.63           13.58
        Photographer fees.......................           15.47           20.23           12.09           15.93
      Fireworks.................................            1.08            0.63            0.76            0.82
      Souvenirs.................................            0.45            1.21            0.49            0.72
      Visual goods..............................            1.09            0.57            1.49            1.05
      Pinball, electronic video games...........            2.72            2.88            4.50            3.37
  Personal care products and services...........          418.96          408.21          414.76          413.98
    Personal care products......................          228.19          223.41          235.24          228.95
      Hair care products........................           45.03           42.44           49.23           45.57
      Nonelectric articles for the hair.........            6.41            5.35            7.26            6.34
      Wigs and hairpieces.......................            1.77            1.23            0.89            1.30
      Oral hygiene products, articles...........           27.93           28.07           25.52           27.17
      Shaving needs.............................           10.65            9.46           12.64           10.92
      Cosmetics, perfume, bath preparation......           98.28          103.29          106.82          102.80
      Deodorants, feminine hygiene, misc.                                                                       
       personal care............................           32.28           28.78           28.40           29.82
      Electric personal care appliances.........            5.85            4.80            4.46            5.04
    Personal care services......................          190.77          184.80          179.53          185.03
      Personal care service for females.........          103.69           98.60           89.46           97.25
      Personal care service for males...........           86.99           86.08           89.94           87.67
      Repair of personal care appliances........            0.09            0.12            0.12            0.11
  Reading.......................................          168.07          165.57          171.39          168.34
    Newspapers..................................           70.41           70.60           70.94           70.51
    Magazines...................................           39.74           38.78           39.53           39.26
    Newsletters.................................            0.27            0.67            0.15            0.36
    Books thru book clubs.......................           12.22           10.56           11.44           11.41
    Books not thru book clubs...................           40.22           41.38           47.99           43.20
    Encyclopedia and other sets of reference                                                                    
     books......................................            5.21            3.58            1.33            3.37
  Education.....................................          433.88          423.79          469.39          442.35
    College tuition.............................          230.54          237.86          275.33          247.91
    Elementary and high school tuition..........           65.77           69.99           65.45           67.07
    Other schools tuition.......................           39.08           16.39           15.34           23.60
    Other school expenses including rentals.....           17.66           18.40           19.50           18.52
    School books, supplies, equipment for                                                                       
     college....................................           37.22           36.94           39.14           37.77
    School books, supplies, etc. for elementary                                                                 
     high school................................            6.41            6.89            9.71            7.67
    School books, supplies, etc. for day care,                                                                  
     nursery, other.............................            3.11            3.64            3.49            3.41
    School supplies, etc. - unspecified.........           34.10           33.67           41.43           36.40
  Tobacco products and smoking supplies.........          277.79          278.59          261.81          272.73
    Cigarettes..................................          255.97          256.67          238.23          250.29
    Other tobacco products......................           18.68           19.51           21.96           20.05
    Smoking accessories.........................            3.14            2.41            1.62            2.39
  Miscellaneous.................................          877.79          794.63          810.79          827.74
    Miscellaneous fees, pari-mutuel losses......           48.28           60.93           50.63           53.28
    Legal fees..................................           80.65           88.62          119.22           96.16
    Funeral expenses............................           54.07           51.73           91.97           65.92
    Safe deposit box rental.....................            6.18            5.88            5.79            5.95
    Checking accounts, other bank service                                                                       
     charges....................................           25.63           26.45           27.69           26.59
    Cemetery lots, vaults, maintenance fees.....           15.42           16.64           19.45           17.17
    Accounting fees.............................           46.16           47.58           44.90           46.21
    Miscellaneous personal services.............           32.25           41.90           27.76           33.97
    Finance charges excluding mortgage and                                                                      
     vehicle....................................          253.58          227.00          228.84          236.47
    Occupational expenses.......................           99.47          109.07           94.19          100.91
    Expenses for other properties...............          207.48          110.86           94.77          137.70
    Interest paid, home equity line of credit                                                                   
     (other property)...........................            1.77            0.80            0.50            1.02

[[Page 14219]]

                                                                                                                
    Credit card memberships.....................            6.86            7.17            5.08            6.37
  Cash contributions............................        1,040.14        1,020.99        1,066.81        1,042.65
    Cash contributions to non-CU memb., incl.                                                                   
     child sup., etc............................          277.71          240.72          292.68          270.37
    Gifts of cash, stocks and bonds to non-CU                                                                   
     members....................................          219.98          249.31          228.78          232.69
    Contributions to charity....................           97.36          105.65          102.81          101.94
    Contributions to church.....................          407.43          378.37          404.30          396.70
    Contributions to educational organizations..           21.71           31.50           22.66           25.29
    Contributions to political organizations....            7.64            7.22            8.33            7.73
    Other contributions.........................            8.31            8.21            7.25            7.92
  Personal insurance and pensions...............        3,141.56        3,083.40        3,404.08        3,209.68
    Life and other personal insurance...........          353.85          354.24          413.43          373.84
      Life, endowment, annuity, other personal                                                                  
       insurance................................          340.55          342.74          395.89          359.73
      Other nonhealth insurance.................           13.30           11.50           17.54           14.11
    Pensions and Social Security................        2,787.71        2,729.16        2,990.65        2,835.84
      Deductions for government retirement......           80.17           77.00           84.07           80.41
      Deductions for railroad retirement........            4.55            3.03            5.38            4.32
      Deductions for private pensions...........          268.34          264.82          324.08          285.75
      Non-payroll deposit to retirement plans...          334.61          337.62          331.09          334.44
      Deductions for Social Security............        2,100.03        2,046.70        2,246.03        2,130.92
----------------------------------------------------------------------------------------------------------------
*Data might not be statistically significant.                                                                   
Source: Bureau of Labor Statistics                                                                              


                                    Appendix 4--Consumer Expenditure Surveys                                    
                             [Pre-published Data for All Consumer Units Nationwide*]                            
----------------------------------------------------------------------------------------------------------------
                                     $10,000 to   $15,000 to   $20,000 to   $30,000 to   $40,000 to  $50,000 and
                                      $14,999      $19,999      $29,999      $39,999      $49,999        over   
----------------------------------------------------------------------------------------------------------------
Average income before taxes:                                                                                    
      1991........................   $12,340.00   $17,301.00   $24,816.00   $34,402.00   $44,548.00   $79,902.00
      1992........................    12,437.00    17,420.00    24,560.00    34,439.00    44,442.00    81,602.00
      1994........................    12,340.00    17,229.00    24,721.00    34,402.00    44,388.00    84,162.24
            Average...............    12,372.33    17,316.67    24,699.00    34,414.33    44,459.33    81,888.75
                                                                                                                
Goods and services:                                                                                             
      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    20,967.26
      1994........................     6,989.07     8,346.77    10,014.51    12,274.85    14,404.18    21,193.80
            Average...............     6,995.78     8,514.88     9,977.06    12,477.12    14,983.02    21,253.22
                                                                                                                
    Food at home:                                                                                               
      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
      1994........................     2,219.92     2,437.04     2,597.85     2,833.99     3,175.54     3,797.84
            Average...............     2,182.78     2,429.71     2,557.94     2,859.48     3,254.49     3,812.79
                                                                                                                
    Food away from home:                                                                                        
      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
      1994........................       822.30     1,089.35     1,334.07     1,820.82     2,211.78     3,383.08
            Average...............       869.80     1,124.95     1,352.22     1,798.79     2,294.03     3,209.49
                                                                                                                
    Alcohol:                                                                                                    
      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
      1994........................       135.15       215.61       287.46       347.42       327.07       495.08
            Average...............       158.81       229.20       294.11       350.19       368.81       549.68
                                                                                                                
    Domestic Service:                                                                                           
      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
      1994........................        85.17       111.05       203.94       235.13       310.43       489.65
            Average...............       135.72       116.72       174.52       229.11       327.63       506.13
                                                                                                                
    Furnishings & household                                                                                     
     operations:                                                                                                
      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
      1994........................     1,128.53     1,178.62     1,521.80     1,938.32     2,574.21     4,075.65
            Average...............     1,036.27     1,224.88     1,525.34     1,991.82     2,454.34     3,883.98
                                                                                                                
    Clothing:                                                                                                   
      1991........................     1,093.80     1,178.28     1,325.86     1,951.82     2,186.30     3,520.50

[[Page 14220]]

                                                                                                                
      1992........................       889.14     1,093.68     1,563.66     1,603.41     2,267.24     3,394.31
      1994........................       790.15     1,079.54     1,464.58     1,672.99     1,890.64     3,188.54
            Average...............       924.36     1,117.17     1,451.37     1,742.74     2,114.73     3,367.78
                                                                                                                
    Recreation:                                                                                                 
      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
      1994........................       828.97     1,060.46     1,342.40     1,741.22     2,128.85     3,451.76
            Average...............       769.38     1,062.27     1,305.21     1,792.12     2,248.56     3,437.36
                                                                                                                
    Personal Care:                                                                                              
      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
      1994........................       256.43       286.31       348.68       454.00       491.54       693.28
            Average...............       258.16       310.59       363.32       436.65       515.70       706.18
                                                                                                                
    Tobacco:                                                                                                    
      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
      1994........................       222.20       250.93       280.57       340.50       295.12       278.18
            Average...............       240.86       281.73       289.65       328.51       324.01       290.53
                                                                                                                
    Professional Services:                                                                                      
      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
      1994........................       500.25       637.86       633.16       890.46       999.00     1,340.74
            Average...............       419.65       617.67       663.38       947.70     1,080.72     1,489.30
                                                                                                                
Housing:                                                                                                        
      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
      1994........................     5,231.62     5,948.47     6,764.14     7,878.29     9,000.79    12,785.95
            Average...............     4,998.73     5,611.12     6,430.02     7,548.69     8,853.73    12,586.99
                                                                                                                
Transportation:                                                                                                 
      1991........................     3,108.18     3,296.23     4,641.29     5,764.38     7,119.40     9,201.49
      1992........................     2,830.29     3,352.10     4,803.28     5,744.17     6,992.50     9,305.77
      1994........................     2,757.80     4,313.27     5,598.36     6,010.98     8,886.15    10,415.29
            Average...............     2,898.76     3,653.87     5,014.31     5,839.84     7,666.02     9,640.85
                                                                                                                
    Private transportation:                                                                                     
      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
      1994........................     2,560.05     4,021.24     5,343.02     5,696.30     8,493.93     9,583.58
            Average...............     2,738.91     3,437.36     4,782.68     5,558.35     7,313.84     8,927.64
                                                                                                                
    Air fares & other                                                                                           
     transportation expenses:                                                                                   
      1991........................       155.82       177.34       206.58       290.42       310.28       666.00
      1992........................       125.98       180.14       232.97       239.37       354.03       641.93
      1994........................       197.75       292.03       255.34       314.68       392.22       831.71
            Average...............       159.85       216.50       231.63       281.49       352.18       713.21
                                                                                                                
Miscellaneous:                                                                                                  
      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
      1994........................     2,567.73     3,238.07     4,336.49     6,018.55     7,526.50    13,270.22
            Average...............     2,643.04     3,227.99     4,334.62     5,863.64     7,455.91    12,950.16
                                                                                                                
    Health care:                                                                                                
      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
      1994........................     1,484.32     1,666.38     1,578.60     1,761.97     2,007.63     2,447.22
            Average...............     1,414.49     1,580.48     1,595.19     1,695.60     1,884.04     2,282.44
                                                                                                                
    Cash contributions:                                                                                         
      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
      1994........................       396.39       455.67       771.77     1,049.71     1,005.01     2,428.04
            Average...............       556.94       539.73       729.31       915.73     1,138.44     2,453.91
                                                                                                                
    Personal insurance:                                                                                         
      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
      1994........................       687.02     1,116.02     1,986.12     3,206.87     4,513.86     8,394.96
            Average...............       671.61     1,107.78     2,010.12     3,252.31     4,433.43     8,213.81
                                                                                                                
Consumer units:                                                                                                 
      1991........................        9,252        7,821       13,467       11,079        8,019       17,833

[[Page 14221]]

                                                                                                                
      1992........................       10,053        8,294       14,616       10,448        7,967       18,181
      1994........................        9,780        7,851       13,975       10,922        8,280       20,609
                                                                                                                
Percentage of Owners with                                                                                       
 Mortgage:                                                                                                      
      1991........................          16%          23%          32%          46%          58%          73%
      1992........................          15%          23%          31%          44%          58%          71%
      1994........................          14%          17%          31%          44%          53%          68%
                                                                                                                
Percentage of Renters:                                                                                          
      1991........................          48%          46%          43%          32%          25%          13%
      1992........................          50%          45%          43%          33%          25%          14%
      1994........................          49%          47%          42%          34%          25%          15%
                                                                                                                
Owners as Percentage of Renters                                                                                 
 Plus Owners with Mortgages:                                                                                    
      1991........................       25.00%       33.33%       42.67%       58.97%       69.88%       84.88%
      1992........................       23.08%       33.82%       41.89%       57.14%       69.88%       83.53%
      1994........................       22.22%       26.56%       42.47%       56.41%       67.95%       81.93%
            Average...............       23.43%       31.24%       42.34%       57.51%       69.24%       83.45%
                                                                                                                
Renters as Percentage of Renters                                                                                
 Plus Owners with Mortgages:                                                                                    
      1991........................       75.00%       66.67%       57.33%       41.03%       30.12%       15.12%
      1992........................       76.92%       66.18%       58.11%       42.86%       30.12%       16.47%
      1994........................       77.78%       73.44%       57.53%       43.59%       32.05%       18.07%
                                         76.57%       68.76%       57.66%       42.49%       30.76%       16.55%
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.                                                                     
Source: Bureau of Labor Statistics                                                                              


                                         Appendix 5:--Item Descriptions                                         
----------------------------------------------------------------------------------------------------------------
                                                                                                                
----------------------------------------------------------------------------------------------------------------
Food at Home:                                                                                                   
    Ground Beef.............................  Price per lb. of fresh not frozen average size package of regular 
                                               ground beef with no more than 25% fat content. Do not price lean,
                                               ground chuck, ground round, frozen beef et cetera. Do not price  
                                               family-pack, value-pack, super-saver pack, or equivalent.        
    Round Steak, Boneless...................  Price per lb. of an average size package. Do not price family-    
                                               pack, value-pack, super-saver pack or equivalent. Do not price   
                                               frozen steak. Order of choice: Boneless beef round, Boneless top 
                                               round, Boneless bottom round.                                    
    Round Roast, Boneless...................  Price per lb. of an average size package. Do not price family-    
                                               pack, value-pack, super-saver pack or equivalent. Do not price   
                                               frozen roast. Order of choice: Boneless rolled rump, Sirloin tip 
                                               rolled, Boneless top round.                                      
    Pork Chops, Bone In.....................  Price per lb. of an average size package. Do not price family-    
                                               pack, value-pack, super-saver pack or equivalent. Do not price   
                                               frozen chops. Order of choice: Center cut, rib chop; Loin chops  
                                               with bone.                                                       
    Bacon, Sliced...........................  16 OZ (1LB) package, regular sliced bacon. Do not price Canadian  
                                               bacon, extra thick sliced, or extra lean. Order of choice: Oscar 
                                               Mayer, Hormel, Armour, Dubuque.                                  
    Chicken, Whole..........................  Price per lb. of fresh whole fryer chicken. Do not price family-  
                                               pack, value-pack, super-saver pack or equivalent. Do not price   
                                               frozen chicken or roasters.                                      
    Fish Filet, Frozen......................  Price per lb. of frozen ocean whitefish filet. Do not price       
                                               breaded filets. Do not price family-pack, value-pack, super-saver
                                               pack or equivalent. Order of choice: Cod, Haddock, Snapper, Mahi-
                                               Mahi.                                                            
    Tuna, Canned............................  Chunk light, packed in water (Not fancy style). Order of choice:  
                                               Star Kist, Chicken of the Sea, Bumble Bee.                       
    Lunch Meat..............................  8 OZ pkg., Oscar Mayer. Order of choice: Bologna, Cotto Salami.   
    Ham, Canned.............................  3 LB tin of canned ham. Do not price Hormel's supreme cut ham or  
                                               equivalent. Order of choice: Hormel, Dubuque, Bar-S.             
    Frankfurter.............................  All beef 16 OZ (1LB) package. Do not price chicken, turkey, extra 
                                               lean, or fat free frankfurters. Order of choice: Oscar Mayer,    
                                               Hormel, Dubuque, Ballpark.                                       
    Eggs, Large.............................  1 dozen. Order of choice: local brand, regional brand.            
    Fish, Fresh.............................  Price per lb. of salmon steak. Do not price special prepared      
                                               skinless or boneless varieties. Do not price family-pack, value- 
                                               pack, super-save pack, or equivalent.                            
    Milk, 2%................................  Gallon (128 FL OZ) store brand, 2%.                               
    Cheddar Cheese..........................  10 OZ package mild cheddar cheese. Order of choice: Kraft Cracker 
                                               Barrel, Tillamook.                                               
    Ice Cream...............................  1/2 gallon (2 QT) of store brand vanilla ice cream. Do not price  
                                               ice milk or frozen yogurt.                                       
    Bread, White............................  16 OZ loaf of sliced white bread. Do not price store brand. Order 
                                               of choice: Wonder, Sunbeam, Holsum, Regional brand.              
    Spaghetti, Dry..........................  16 OZ box or bag. Order of choice: Creamettes, American Beauty,   
                                               Mission, Golden Grain, San Georgio.                              
    Cereal..................................  20 OZ box of cereal. Do not price significantly larger or smaller 
                                               size. Order of choice: Post Raisin Bran, Kellogg's Raisin Bran,  
                                               Kellogg's Frosted Mini-Wheats.                                   
    Cookies.................................  18 - 20 OZ package. Order of choice: Nabisco Oreo Cookies, Keebler
                                               Chips Deluxe, Nabisco Chips Ahoy.                                
    Frozen Waffles..........................  Package of frozen waffles. Order of choice: Kellogg's Eggo.       

[[Page 14222]]

                                                                                                                
    Hamburger Buns..........................  Package of 8 sliced enriched white hamburger buns. Do not price   
                                               store brand, whole wheat or sesame seed buns. Order of choice:   
                                               Wonder, Sunbeam, Regional brand.                                 
    Cake....................................  Package of two cellophane wrapped, cream-filled sponge cake       
                                               deserts. Do not price fresh baked desserts, boxed, or family     
                                               packs. Order of choice: Hostess Twinkie, Krispy Kreme, Hostess   
                                               Cupcake, Dolly Madison Zinger.                                   
    Apples, Fresh...........................  Price per LB of apples, loose (not in bag). If only bagged apples 
                                               are available, report the weight of the bag. Order of choice: Red
                                               delicious, Golden delicious.                                     
    Bananas, Fresh..........................  Price per lb. of bananas. If sold by bunch report price and weight
                                               of bunch.                                                        
    Tomatoes, Fresh.........................  Price per lb. of medium-size tomatoes. Do not price organic,      
                                               'hydro', plum, or extra fancy tomatoes.                          
    Potatoes................................  10 LB bag of Russet baking potatoes. Do not price loose potatoes. 
                                               If 10 lb bag is not available, substitute nearest size bag and   
                                               note price and size. Do not price, white, red or new potatoes.   
    Frozen Orange Juice.....................  12 FL OZ (makes 48 FL OZ) of frozen orange juice concentrate. Do  
                                               not price calcium fortified, pulp free, country style etc. Order 
                                               of choice: Minute Maid, Sunkist, Whole Sun.                      
    Fruit Juice.............................  48 ounce bottle of cranberry juice. Do not price frozen or boxed  
                                               drink or drink in significantly different size bottle. Order of  
                                               choice: Ocean Spray Cranberry Cocktail, Ocean Spray Cranapple.   
    Peaches, Canned.........................  16 OZ can sliced yellow cling peaches. Order of choice: Libby's,  
                                               Del Monte.                                                       
    Peas, Frozen............................  16 OZ package of frozen peas. Do not price peas with sauce or     
                                               Green Giant Select. Order of choice: Green Giant, Birdseye,      
                                               Hanover.                                                         
    Green Beans, Canned.....................  14.5 OZ can of cut green beans. Do not price French style or      
                                               canned vegetable mixtures. Order of choice: Del Monte, Green     
                                               Giant.                                                           
    Oranges, Fresh..........................  Price per lb. of loose NAVEL oranges. If only bagged oranges are  
                                               available, also report the weight of the bag. Order of choice:   
                                               California navel, Florida navel.                                 
    Lettuce, Fresh..........................  Price per lb. of iceberg lettuce. If lettuce is sold by the head, 
                                               report the price and weight of an average head. Find equivalent- 
                                               size heads at each store.                                        
    Celery, Fresh...........................  Price per lb. for celery. Do not price celery hearts or Pascal    
                                               type celery. If celery is only sold by the bunch, report the     
                                               price and the weight of an average bunch. Find equivalent size   
                                               bunches at each store.                                           
    Fruit Drink.............................  46 FL OZ can. Do not price plastic bottles, powdered mixes, or    
                                               individual serving sized drinks. Order of choice: Hawaiian Punch,
                                               Hi-C regular.                                                    
    Soft Drink..............................  2 liter plastic bottle. Order of choice: Coca-Cola, Pepsi.        
    Coffee, Ground..........................  13 OZ can ground coffee. Do not price decaffeinated or special    
                                               roasts. Order of choice: Folger's Drip, Maxwell House, Hill's    
                                               Bros.                                                            
    Canned Soup.............................  1 can Campbell's soup. Do not price hearty, reduced fat or salt   
                                               free varieties. Order of choice: Vegetable, Chicken Noodle,      
                                               Vegetable Beef, Turkey Noodle, Chicken and Rice.                 
    Snack Food..............................  6 OZ bag or box of potato chips. Order of choice: Ruffles, Lays.  
    Salt....................................  26 OZ box of iodized salt. Do not price sea-salt, kosher-style    
                                               salt etc. Order of choice: Morton, Ivory, Regional brand, Store  
                                               brand.                                                           
    Ketchup.................................  28 OZ plastic squeeze bottle. Order of choice: Heinz.             
    Cooking Oil.............................  48 FL OZ bottle. Order of choice: Crisco, Wesson, Mazola.         
    Margarine...............................  4 sticks (1 LB). Order of choice: Blue Bonnet, Parkay.            
    Frozen Dinner...........................  Swanson 11.5 OZ (326 G) frozen turkey dinner. Dinner should       
                                               include whipped potatoes, peas, and fruit compote. Do not price  
                                               Hungry Man or equivalent extra-portion sizes.                    
    Jello Gelatin...........................  3 OZ box gelatin dessert. Order of choice: Jell-O, Royal.         
    Baby Food...............................  4 OZ jar strained vegetables or fruit. Order of choice: Gerber    
                                               Second Foods, Heinz.                                             
    Candy Bar...............................  Regular size candy bar ranging in weight from 1.55 oz to 2.13 oz. 
                                               Do not price king-size or multi-pack candy bars. Order of choice:
                                               Snickers, Hershey's, Mars, 3-Musketeers, Butterfinger.           
    Sugar, Granulated.......................  5 LB bag of granulated cane or beet sugar. Do not price superfine 
                                               or generic. Order of choice: Non-store brand, Store brand.       
    Bottled Water...........................  1 gallon (128 FL OZ) bottled spring water (store brand). Do not   
                                               price sparkling or distilled water.                              
Food Away from Home:                                                                                            
    Breakfast...............................  Two strips of bacon or 2 sausages, 2 eggs, toast, and coffee or   
                                               juice. Report percentages added for tax, tip and service charge. 
                                               Order of choice: Denny's, Bob Evans, Any equivalent restaurant.  
    Lunch...................................  Cheeseburger platter with fries and small soft drink. Report      
                                               percentages added for tax, tip and service charge. Order of      
                                               choice: Denny's, Sizzlers, Any equivalent restaurant.            
    Pizza Lunch.............................  1 personal size cheese pizza (or 1 slice of cheese pizza). Include
                                               small soft drink and gratuity. Do not price salad. Order of      
                                               choice: Pizza Hut, Any equivalent restaurant.                    
    Dinner..................................  New York Strip, small side dish (e.g., rice or potato), side salad
                                               or salad bar, and coffee. Meal should not include dessert. Report
                                               percentages added for tax, tip and service charge. Order of      
                                               choice: Denny's, Sizzlers, Any equivalent restaurant.            
    Pizza Dinner............................  1 12-inch diameter cheese pizza with regular crust (not thin or   
                                               extra thick) and no extra toppings. Include small drink and      
                                               gratuity. Do not price salad. Order of choice: Pizza Hut, Any    
                                               equivalent restaurant.                                           
    Fast Food Meal..........................  Big Mac or Whopper, medium french fries, and medium coke. Price a 
                                               combo meal, if a suitable one is offered. Order of choice:       
                                               MacDonalds, Burger King, Any equivalent outlet.                  
    Ice Cream Cone..........................  Regular (1 scoop) vanilla ice cream cone. Do not price frozen     
                                               yogurt. Order of choice: Baskin-Robbins, Any equivalent outlet.  
Tobacco:                                                                                                        
    Cigarettes, King Size...................  1 carton (200 cigarettes) of Winston filter kings soft pack. Do   
                                               not price generic brand.                                         
Alcohol:                                                                                                        
    Beer At Home............................  Six-pack of Budweiser 12 OZ cans (Puerto Rico - 10 OZ cans.) Do   
                                               not price refrigerated beer unless that is all that is available.
    Wine At Home............................  1.5 L of Chablis blanc. Order of choice: Gallo, Inglenook.        
    Beer Away...............................  Glass of Budweiser/Miller Lite beer.                              
    Wine Away...............................  Price 1 glass of house white wine.                                

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Furnishings, Household Operations:                                                                              
    Lawn Care Service.......................  Price to cut and trim a 1/4 acre lot on a weekly basis. Do not    
                                               include other yard services (e.g. fertilizing, raking, or        
                                               watering).                                                       
    Housekeeping Services...................  Price per hour for bi-weekly cleaning. House approximately 2,000  
                                               sq. ft. Family size four. Services include--Bathroom(s): sanitize
                                               walls, floor, counter tops, bathtub, stool; Kitchen: sanitize    
                                               walls, counter tops, cabinets, appliances; Living and Dining     
                                               Room; dust, polish furniture, and vacuum; Bedroom; polish        
                                               furniture and vacuum. If other services are included please note.
                                               Report the number of cleaners and estimated number of hours to   
                                               complete service.                                                
    Moving..................................  Price per hour for a within-city move, two men with enclosed van. 
                                               Include any van rental fees. Do not include any extra insurance  
                                               options or specialty packaging options. Note number of men if    
                                               other than two used.                                             
    Toilet Tissue...........................  4 roll pack. Do not price family-pack, double pack, value-pack,   
                                               super-saver size package, or equivalent. Order of choice:        
                                               Cottonelle, Northern, Charmin.                                   
    Pen.....................................  10 pack round stick medium pen. Order of choice: Bic, Papermate.  
    Parcel Post.............................  Cost to United States Parcel of mailing a 5 lb. package to each of
                                               the following cities: Chicago, Los Angeles, New York.            
    Laundry Soap............................  100 FL OZ of liquid household laundry detergent. Do not price     
                                               detergent with bleach or whiteners. Order of choice: Tide, Cheer,
                                               Wisk, Surf.                                                      
    Plant Food..............................  8 OZ container of indoor plant food. Order of choice: Miracle     
                                               Grow.                                                            
    Bed Sheet Set...........................  1 set queen-size no-iron cotton & polyester percale sheets (180   
                                               thread count). 1 set consists of 1 fitted sheet, 1 flat sheet,   
                                               and two pillowcases. Do not price designer sheet sets. Price     
                                               sheet sets with minimum design. Order of choice: Fieldcrest, New 
                                               Concept, Dan Rivers, Colour Forum, Available brand.              
    Bath Towel..............................  27x50 inch bath towel made of 100% cotton. Order of choice:       
                                               Cannon, Heir Loom, Fieldcrest, Royal Velvet.                     
    Dining Room Table.......................  Pedestal oak veneer tabletop with 4 spindled hardwood chairs.     
    Living Room Chair.......................  Recliner.                                                         
    Bedroom Set.............................  Include items such as chest, nightstand, and bed frame.           
    Washing Machine.........................  Super 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. Order
                                               of choice: Maytag Model #LAT960, General Electric Model          
                                               #WWSR3090T, Whirlpool Model #LSC8244D.                           
    Kitchen Range...........................  30-inch electric range with upswept cook-top, 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. Order of choice: Maytag
                                               Model #CRE9500, General Electric Model #JBP47GV, Whirlpool Model 
                                               #RF385PXDQ.                                                      
    Refrigerator............................  No-frost top-mount 20.5 to 21.5 cubic ft. refrigerator with       
                                               reversible doors, glass shelves, moisture controlled crisper     
                                               drawers, and meat drawer. Door contains 1 or more covered        
                                               compartments and adjustable bins. Freezer has adjustable door    
                                               bins and ice trays. Do not price models with ice makers, chilled 
                                               water dispensers, or other extra features. Order of choice:      
                                               Maytag Model #RTD2100DAE, General Electric Model #TBX21ZAX,      
                                               Whirlpool Model #ET21DKXD.                                       
    Vacuum..................................  Upright vacuum cleaner with 6.5 to 7.5 amps, 120 volts, six above-
                                               the-floor attachments, height adjustment, regular bag and 20 to  
                                               25 foot cord. Order of choice: Eureka Model #9334AT, Hoover Model
                                               #U4263-930, Hoover Model #U4293-930, Eureka Model #9205.         
    Two-slice Toaster.......................  Two-slice toaster, chrome body, wide slot with pastry defrost     
                                               setting. Order of choice: Proctor Silex Model #T620B, Proctor    
                                               Silex Model #22100.                                              
    Baking Dish.............................  8 inch square glass baking dish (any color). Do not include cover 
                                               or lid. Order of choice: Pyrex, Anchor Hocking.                  
    China...................................  Corelle 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.   
                                               Order of choice: Corelle Impressions, New Corelle.               
    Electric Drill..........................  Reversible, variable speed, 7 to 9 volt, cordless electric drill  
                                               with 3 hour recharge. Order of choice: Black and Decker Model    
                                               #9052, Skil Model #2236.                                         
    Red Roses, Fresh Cut....................  1 dozen long stemmed, fresh cut red roses. Do not price boxed or  
                                               arranged                                                         
    Hammer..................................  Curved claw hammer with a 16 OZ head, wood handle, high carbon    
                                               steel head, black finish. Overall length 13 1/4''. Please price  
                                               an inexpensive hammer. Do not price hammers with non-wooden      
                                               handles or hammers typically used by carpenter. Order of choice: 
                                               Stanley Model #51616, Vaughan Model #F16.                        
    Area Rug................................  8'x11' oval, braided rug                                          
    Snow Blower.............................  Four cycle, 8 to 9 HP two-stage gas snow thrower. Order of choice:
                                               Honda Model #H5828KITA, Simplicity Model #970M, Toro Model       
                                               #38540.                                                          
    Lawn Trimmer............................  Gas powered, 30 or 31 CC two-cycle engine single line lawn trimmer
                                               with a 17 or 18 inch wide cut.                                   
    Window Shade............................  Light-filtering, unfringed 37.5 width window shade.               
Clothing:                                                                                                       
    Man's Jeans.............................  Regular loose fit inexpensive, non-designer jeans. Do not price   
                                               bleached, stone-washed or designer jeans. Order of choice:       
                                               Wranglers, Lee's regular fit.                                    
    Man's Dress Shirt.......................  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 inch    
                                               collar, 34 inch sleeve. Order of choice: Arrow, Van Heusen, Moose
                                               Creek, Pour Homme.                                               
    Boy's Jeans.............................  Regular fit (size 9-14), inexpensive jeans. Do not price bleached,
                                               stone-washed or designer jeans. Wranglers, Lee's, Rustlers.      
    Boy's T-shirt...........................  Screen-printed t-shirt commonly worn by boys ages 8 thru 10 (size 
                                               7-14). Pullover with crew neck, short sleeves and polyester/     
                                               cotton blend. Order of choice: Ocean Pacific, Team Shirts (NFL), 
                                               Miller, Hanes.                                                   

[[Page 14224]]

                                                                                                                
    Man's Undershirt........................  White 100% cotton undershirts with short sleeves, set of three. If
                                               not in set of three, report the number of undershirts in package.
                                               Order of choice: Fruit of the Loom, Hanes.                       
    Man's Insulated Underwear Top...........  White light weight, crew neck thermal underwear top of cotton and 
                                               polyester. Order of choice: J.E. Morgan, Hanes.                  
    Man's Suit..............................  Double-breasted suit in worsted wool. Ventless back.              
    Man's Jacket............................  Denim jacket. Relaxed fit and machine washable.                   
    Man's Parka.............................  Park with polyester & cotton shell. Lower body nylon lining.      
                                               Detachable hood, multiple pockets and drawstring at waist.       
    Woman's Dress...........................  Sleeved shirtwaist dress appropriate for office attire. Exclude   
                                               any unusual ornamentation. Dress should be unlined and 100% rayon
                                               or 100% polyester. Order of choice: Stewart Allen, Lesley Fay,   
                                               California Design, Perception, Store label.                      
    Woman's Blouse..........................  100% polyester, white, long sleeve, button front blouse with      
                                               minimum trim. Order of choice: Wrapper, Girls Girls Girls,       
                                               Christy Jill, Jacelyn Ferrare, Bill Blass.                       
    Woman's Slacks..........................  Misses unlined slacks appropriate for office attire. The slacks   
                                               should be a blend of cotton and polyester without a belt. Order  
                                               of choice: Donnkenny, Alfred Dunner, Fundamental Things,         
                                               Counterpart, Jump.                                               
    Woman's Accessory.......................  Split-grain, cowhide leather, checkbook clutch wallet. Do not     
                                               price eel skin, snake skin or other varieties. Order of choice:  
                                               Michael Stevens, Mundi, Cadillac, Amity, Buxton.                 
    Girl's Dress............................  Cotton blend long-sleeve dress appropriate for school. Exclude    
                                               extra ornamentation. For girls ages 8 through 10 (size 7-14).    
                                               Order of choice: Carter's, JoLene, Bendina, Jazz Kids, Byer.     
    Girl's Jeans............................  Jeans, for girls ages 8 through 10 years (size 7-14). Order of    
                                               choice: Zenna, Rider, Lee, Bongo.                                
    Girl's Knit Top.........................  Knit long sleeve pullover of cotton/poly blend. For girls ages 8  
                                               thru 10 (size 7-14). Order of choice: Spumoni, Hot Shots, Lee,   
                                               New Moves, Freeze Frames.                                        
    Woman's Coat............................  100% wool, double-breasted coat.                                  
    Woman's Jacket..........................  Hooded slicker. Zip front design lined in 100% cotton. PVC vinyl  
                                               shell.                                                           
    Woman's Sweater.........................  Cotton knit crewneck pullover sweater. Machine wash.              
    Infant's Sleeper........................  One-piece sleeping garment with legs, covering the body including 
                                               the feet. Order of choice: Gerber, Playskool, Health Tex, Carter,
                                               Fruit of the Loom.                                               
    Disposable Diaper.......................  36 count package disposable diapers, (child 12-18 LBS). Do not    
                                               price larger size diapers. Order of choice: Pampers, Luv's,      
                                               Huggies.                                                         
    Man's Shoes.............................  100% leather wing tips. Order of choice: Bostonian, Rockport,     
                                               Giorgio Brutini.                                                 
    Woman's Shoes...........................  Woman's pump style shoes with enclosed heel and toe, leather      
                                               uppers and the rest of man-made materials. Heel height should be 
                                               approximately two inches. Order of choice: Naturalizer, Capezio, 
                                               Calico.                                                          
    Man's Boots.............................  8 inch waterproof, insulated leather boot with Cambrelle lining.  
                                               Order of choice: Timberland, Sorel, Donner.                      
    Woman's Boots...........................  Calf height boot with pile or fleece lining, urethane upper, side 
                                               zipper, broad-based one-inch heel, and non-skid traction sole.   
                                               Order of choice: Naturalizer, Timberland, Sorel.                 
    Jewelry.................................  1 pair 6mm 14K gold ball earrings for pierced ears.               
    Coin Laundry............................  1 load of laundry using a regular size, top loading commercial    
                                               washing machine. Do not include cost of drying.                  
    Dry Clean Man's Suit....................  Dry clean a man's 2-piece suit of typical fabric.                 
Domestic Service:                                                                                               
    Day-care................................  1 month of day-care for a 3-year-old child (5 days a week, about 8
                                               hours per day). If monthly rate is not available: 1) obtain      
                                               weekly rate and record in the comment section 2) multiply weekly 
                                               rate by 4.33 to obtain monthly rate 3) record monthly rate in the
                                               regular price field.                                             
    Babysitter..............................  Average hourly rate for 1 child, age four years, evening, before  
                                               midnight. (Teenager in your home.) Do not price commercial baby- 
                                               sitting service. Special Instructions: If typical for your area, 
                                               you may wish to obtain quotes from friends who use teenage       
                                               babysitters.                                                     
Professional Services:                                                                                          
    Legal Services..........................  Fee for a standard residential real estate closing. Fee should    
                                               include all paperwork and attendance at the lending institution  
                                               closing.                                                         
    Accounting Services.....................  Hourly rate for individual tax work (not business). Price rate for
                                               Federal 1040 tax form service with typical itemized deductions.  
    Charge Card Finance Charges.............  Finance charges on a major charge card through a local bank.      
                                               Assume average monthly balance is $1500. Please report the       
                                               financial charges on the first month's balance of $1500. Do Not  
                                               include principal payments or annual fees. Annual fees are       
                                               reported separately, but both charges must be obtained for the   
                                               same card. Order of choice: Mastercard, VISA.                    
    Charge Card Annual Fee..................  Annual fee on major charge card through local bank. Note: Finance 
                                               charges are reported separately, but both charges must be        
                                               obtained for the same card. Order of choice: Mastercard, VISA.   
    Funeral Services........................  The charge for a direct cremation. Includes removal of remains,   
                                               local transportation to crematory, necessary body care and       
                                               minimal services of the staff. Do not include the fee for the    
                                               crematory, container or use of facilities and staff.             
Personal Care:                                                                                                  
    Woman's Cut And Styled Blow Dry.........  Regular service for a woman's cut and styled blow dry. Include    
                                               wash but do not include curling iron if extra.                   
    Man's Haircut...........................  Man's typical haircut. Do not include wash.                       
    Lipstick................................  1 tube of lipstick. Order of choice: Revlon Super Lustrous, Revlon
                                               Moondrops, L'Oreal.                                              
    Shampoo.................................  15 ounce bottle of shampoo for normal hair. Order of choice:      
                                               Suave, VO5, White Rain.                                          
Recreation:                                                                                                     
    Bowling.................................  1 game of open (or non-league) 10-pin bowling on Saturday night.  
                                               Exclude cost of shoe rental. If priced by the hour, report the   
                                               estimated number of games per hour. Do not price duck-pin        
                                               bowling.                                                         

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    Golf....................................  18 holes of golf on a weekend. Do not price par 3 courses. Do not 
                                               include golf-cart rental, or special early-bird or off hours     
                                               pricing in cost. 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. Please ask if the    
                                               course is publicly-owned or privately-owned and record this      
                                               information in the comment section.                              
    Movie Theater...........................  Typical adult price for regular length, current-release (currently
                                               advertised on television) evening film. Report weekend evening   
                                               price if different from weekday.                                 
    Health Club.............................  Regular individual membership for 1 year for existing member. Do  
                                               not include any initial fees assessed only to new members or any 
                                               special offers provided only to new members. If yearly rate is   
                                               not available, price per month and note as a monthly rate.       
                                               Services must include free weights, cardiovascular equipment,    
                                               aerobic classes, and tennis or racquetball court(s). Note if pool
                                               or other significant services are also offered.                  
    Piano Lessons...........................  Private lesson for a beginner one-half hour in length.            
    Downhill Skiing.........................  1 lift ticket on Saturday.                                        
    Roller Skating..........................  1 session of open skating on Saturday night. Exclude cost of skate
                                               rental.                                                          
    Video Rental............................  Price to rent 1 video tape of recently released movie, Saturday   
                                               night (1 day or minimum rental period) rate. Non-member fee.     
    Video Recorder..........................  VCR with 4 video heads, double azimuth, unified TV/VCR remote, one-
                                               year eight event timer, auto tracking, LED display, and HI-FI    
                                               stereo. Order of choice: Zenith Model #VR4205, Sony Model        
                                               #SLV740, JVC Model #HRJ620.                                      
    Compact Disc............................  Regular price for a current best-selling CD. Do not price double  
                                               CD's. Order of choice: Jagged Little Pill, Waiting to Exhale.    
    Compact Disc Player.....................  5 disc CD player with rotary changer system, 10 key access, 32    
                                               track programming, 8 times over sampling, and a remote. Order of 
                                               choice: Sony Model #CDPC745, Technics Model #SLPD887, JVC Model  
                                               #XLF215TN.                                                       
    Color Television........................  20 inch 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. Order of choice:      
                                               Zenith Model #SR2031, Sony Model #KV20TS32, JVC Model #C20CL6.   
    Basic Cable Service.....................  1 month of basic cable channel TV. Report the number of channels  
                                               offered. If basic service provides 12 or fewer channels, price   
                                               the next level of service. Do not include hookup charges or      
                                               premium (e.g., movie) channels. Convert monthly cost to price per
                                               channel per month.                                               
    Veterinary Services.....................  Typical fee for general office visit for a small dog.             
    Pet Food................................  5.5 OZ can of cat food. Order of choice: Purina, 9 Lives, Whiska, 
                                               Friskies.                                                        
    Film Developing.........................  Price to process and print 35 millimeter, 24 exposure, 100 ASA    
                                               color. Regular size (3 X 5) single prints only.                  
    Camera Film.............................  35 millimeter, 24 exposure, 100 ASA Kodak camera film in single   
                                               pack.                                                            
    Tennis Balls............................  Can of three heavy-duty felt, yellow, tennis balls. Order of      
                                               choice: Wilson, Penn.                                            
    Board Game..............................  Board game. Do not price deluxe edition. Order of choice:         
                                               Monopoly, Sorry, Scrabble.                                       
    All-terrain Vehicle.....................  All terrain sports vehicle with four-wheel drive and a 250 to 300 
                                               CC (approximate sizes) engine. Do not price industrial ATV's     
                                               (similar to sports model but heavier duty) or ``Arctic Cat''     
                                               models. Order of choice: Honda Model #TRX399FW, Suzuki Model     
                                               #250LT4WDT, Polaris Model #W968040, Kawasaki Model #KLF300C.     
    Personal Water Craft....................  Sit-down jet ski. Order of choice: SkiDoo, Arti Cat Tiger Shark   
                                               Montego, Polaris SL700 Model #B964066, Kawasaki 750SS Model      
                                               #JH750E, Seadoo Model #SPX8777.                                  
    Motor Scooter...........................  50 CC scooter. 1 seater with electric start, oil injection 2-     
                                               stroke engine. Order of choice: Yamaha JOG Model #CY50, Honda    
                                               Elite Model #SA50.                                               
    Book....................................  Store price (not publisher's price unless that is the store price)
                                               for top selling paperback book. Order of choice: Waiting to      
                                               Exhale, Eyes of a Child, Hidden Jewel.                           
    Magazine................................  Store price (not publisher's price unless that is the store price)
                                               for a single copy. Order of choice: Time, Newsweek, U.S. News &  
                                               World Report.                                                    
    Regional Newspaper......................  1 year of home delivery of the largest selling daily regional     
                                               paper (including Sunday edition) distributed in the area. Do not 
                                               include tip. In Alaska, price the major Anchorage newspaper. In  
                                               Hawaii, price the major Honolulu newspaper.                      
Miscellaneous Expense Component:                                                                                
    Non-aspirin Pain Reliever...............  60 tablets of extra-strength Tylenol. Do not price caplets or     
                                               gelcaps.                                                         
    Tetracycline Prescription...............  40 capsules of tetracycline, 250 milligram strength.              
    Contact Lenses..........................  1 year supply of soft 2 week replacement contact lenses. Order of 
                                               choice: Medalists, Sequence, AcuVue, NewVue, Precision.          
    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. Do not price specialist or 
                                               oral surgeon.                                                    
    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 semi-private room. Include food and routine    
                                               care. Exclude cost of operating room, surgery, medicine, lab     
                                               fees, etc. Do not price speciality rooms, e.g., those in cardiac 
                                               care units.                                                      
Housing-Related Component:                                                                                      
    Electric Bill...........................  Average monthly consumption in KWH and dollars; customer service  
                                               charge; cost for first xxx KWH; cost for over first xxx KWH.     
    Gas/Oil Bill............................  Average monthly consumption in cu. ft./gallons and dollars;       
                                               customer service charge; cost for first cu. ft./gallons; Cost for
                                               over first xxx cu. ft/gallons.                                   
    Water Bill..............................  Average monthly consumption in gallons and dollars; customer      
                                               service charge; cost for first xxx gallons; cost for over xxx    
                                               gallons.                                                         

[[Page 14226]]

                                                                                                                
    Real Estate Taxes.......................  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. Report when properties were last assessed and what
                                               base year tax rate should be applied to the assessment. Report   
                                               when rates are certified and when bills are mailed.              
    Bathroom Caulking.......................  5.5 OZ plastic tube of latex white bathroom caulking. Do not price
                                               caulking gun cartridge. Order of choice: DAP Kwik Seal, Red      
                                               Devil, GE Silicone II.                                           
    Electrical Outlet.......................  2-plug 15-amp (duplex) grounded electrical outlet. This is a      
                                               standard wall outlet or plug commonly found in homes. Price      
                                               blister pack or cardboard mounted (individually packaged) only.  
                                               Do not price loose electric outlet. Order of choice: GE,         
                                               Levitron, Eagle.                                                 
    Electrical Work.........................  Labor 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). Report price per hour, estimated   
                                               time for job, & travel. Exclude cost of materials.               
    Fire Extinguisher.......................  Fire extinguisher with a UL rating of 10 BC, 2.5 lb. size. Order  
                                               of choice: Kidde, First Alert.                                   
    Interior Painting.......................  Labor to paint 12' x 14' living room with 8' ceilings. Walls are  
                                               plaster or drywall in good repair. Two standard sized sash       
                                               windows, 1 picture window, 1 standard wood door. Rooms have      
                                               simple wood baseboards and trim. Existing paint is latex, flat   
                                               white, smooth finish, about 3 yrs old. Trim paint is latex,      
                                               white, gloss enamel, about 3 yrs old. Walls and trim require no  
                                               surface preparation. Report price per hour, estimated time for   
                                               job, and travel. If flat charge, report estimated time to        
                                               complete job. Do not include materials.                          
    Latex Interior Paint....................  1 gallon white, interior flat latex paint. Price a national brand 
                                               with 1 coat coverage. Order of choice: Dutch Boy, Glidden, Ben   
                                               Moore, Sherwin Williams, Martin-Senior, Pittsburgh, Benjamin     
                                               Moore.                                                           
    Pest Control............................  Basic pest control maintenance (1 visit to control crawling       
                                               insects, not wood eating), based on the inside of a 1,200 sq. ft.
                                               single story home. Price follow-up maintenance only, not the     
                                               initial application.                                             
    Unclog Drain............................  Labor to unclog kitchen sink drain by mechanical means (snake,    
                                               auger, etc.). Don't include trap removal. Assume clog is in the  
                                               plumbing inside the house, not in the yard. Obtain hourly rate,  
                                               estimated time for job, and travel. Exclude cost of materials,   
                                               and extra charge for excess travel, overtime, weekend or         
                                               emergencies.                                                     
    Kitchen Faucet..........................  Single control chrome-plated faucet with spray. Faucet is solid   
                                               brass and stainless steel quality construction with copper       
                                               waterways, washer less design, and triple chrome plating. Faucet 
                                               sprayer should sit in a separate holder. Do not price decorator  
                                               or ``in the deck'' models (sprayer sits in a hole in the faucet  
                                               base or ``deck''). Warrantied for as long as the home is owned.  
                                               If pricing Brand 2 (Delta), a 2-year warranty is acceptable.     
                                               Order of choice: Peerless 8500-ECP, Delta 400.                   
    Mortgage Interest.......................  Current interest rate for a 30-year loan on the average house     
                                               assuming 80 percent financing.                                   
    Homeowner Insurance.....................  Report 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........................  Report price of HO-4 type coverage; assume value of contents at   
                                               $25,000 for lower and middle income, and $30,000 for upper       
                                               income.                                                          
    Long Distance Call......................  10 minute calls received on a weekday in New York, Chicago, and   
                                               Los Angeles at 8:00 p.m. (local time); direct dial from the      
                                               location being surveyed to these three cities. Include any       
                                               federal, state, local or excise tax that is applicable.          
    Telephone Service.......................  Monthly cost for unmeasured touch tone service. Include tax. Do   
                                               not include options such as call waiting, call forwarding or fees
                                               for equipment rental.                                            
Homeowners and Renters:                                                                                         
    Homeowners..............................  Selling price, sale date, age, room count (when available), square
                                               footage, and price per square foot for selected income profile   
                                               houses. Information was collected from various sources, including
                                               real estate professionals, appraisers, MLS data, assessors'      
                                               offices, and private sources.                                    
    Renters.................................  Monthly rent for 1-bedroom and 2-bedroom apartments, and for 2 and
                                               3-bedroom detached houses or townhouses, along with estimates of 
                                               the prevailing range of rental rates in each area (low, median,  
                                               and high). To the extent practical, obtain square footage of the 
                                               unit, total room count, whether utilities are included, and      
                                               special amenities. Obtain overall rental rate trends in the area.
                                               Obtain data from brokers and non-brokers.                        
Transportation Component:                                                                                       
    Vehicles................................  1996 Honda Civic DX four door sedan, 1.5 Liter 4 Cylinder.        
                                              1996 Chevrolet Blazer, T-Series, Two Door, four wheel drive, 4.3  
                                               Liter 6 Cylinder.                                                
                                              1996 Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder.        
    Gasoline................................  Gallon of self-service unleaded regular gasoline. In Alaska, use  
                                               full-service price.                                              
    Tune-up.................................  Basic tune-up for each vehicle. Include replacing spark plugs (do 
                                               not price platinum), check distributor cap, and rotor. Check and 
                                               adjust ignition timing. Adjust idle speed. Inspect air cleaner.  
                                               Do not include cost to replace PVC valve, fuel filter or air     
                                               filter. Sales tax should not be included in price.               
    Oil Change..............................  Oil change for each vehicle. Include parts and labor for the      
                                               following: drain old oil, replace oil filter and refill with     
                                               appropriate number of quarts of 10W30 SG grade oil. If SG grade  
                                               not available, price SF grade oil.                               
    ATF Change..............................  Price to change automatic transmission fluid in each vehicle.     
                                               Include parts and labor for the following: drain and replace     
                                               transmission fluid and test vehicle. Include filter and pan      
                                               gasket replacement.                                              
    Coolant Flush and Fill..................  Price to flush and fill engine coolant in each vehicle. Include   
                                               parts and labor for the following: remove old coolant, flush     
                                               contaminants, and replace with new coolant.                      
    Muffler System..........................  Complete muffler system for each vehicle. Include parts and labor 
                                               for the following: install all parts after the catalytic         
                                               converter. These parts include mid pipes, clamps, muffler, and   
                                               tail pipes.                                                      
    One-Time Taxes..........................  Report any one-time sales or other taxes associated with a new car
                                               purchase for each vehicle.                                       
    Annual Misc. Taxes......................  Annual miscellaneous tax (e.g., personal property tax, use tax,   
                                               etc.) for each vehicle. Report how rate is determined, give      
                                               formula for new vehicle purchase, give formula for subsequent    
                                               year (2 to 5) and explain billing.                               

[[Page 14227]]

                                                                                                                
    Regular Tires...........................  Black Side Wall P175/70R13 for the Honda Civic. Order of choice:  
                                               Goodyear Invicta GL, Michelin LX1, BF Goodrich Touring TA.       
                                              Black Side Wall P205/75R15 for Chevrolet blazer. Order of choice: 
                                               Goodyear Wrangler AT, Michelin XCHF, BF Goodrich Radial TA.      
                                              Black Side Wall P205/65R15 for the Ford Taurus GL. Order of       
                                               choice: Goodyear Invicta GL, Michelin XW4, BF Goodrich Touring   
                                               TA.                                                              
    License And Registration................  Title fee (including lien fee), passenger vehicle registration    
                                               fees, plate fees, inspection fees (safety and emissions),        
                                               administration/clerical/other fees and local added fees for each 
                                               vehicle.                                                         
    Automobile Finance......................  The interest rate for a 4-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....................  Coverage identified below. Assume that vehicles are used in       
                                               commuting 15 miles one-way per day, 15,000 mi/yr and that the    
                                               driver is a 35-year-old married male with no accidents or        
                                               violations in the last 5 years. Include related expense fees and 
                                               taxes. Include applicable safety feature discounts. COVERAGES (BI
                                               100/300,000 PD 25,000 Med 15,000 or PIP 50,000 UM 100/300,000.   
                                               Com 100 deductible. Col 250 ded). If these deductibles are not   
                                               available, price the policy with the closest coverage available. 
    CVJ Boots...............................  The replacement of the inner and outer CVJ Boots (constant        
                                               velocity joint) on both front wheels for a 3-year old (1993)     
                                               edition of each vehicle.                                         
    Studded Snow Tire.......................  Studded P175/70R13, P205/65R15, and P205/75R15 snow tire for Honda
                                               Civic DX, Ford Taurus GL, and Chevy Blazer, respectively. Order  
                                               of choice: Goodyear Ultra Grip, Michelin XM+SA Alpin, BF Goodrich
                                               Trailmaker Plus.                                                 
    Residual Value..........................  Retail value of a 48-month old edition of each vehicle.           
    Round Trip Airfare......................  Lowest cost round trip tickets offered by major airlines to       
                                               Chicago, Los Angeles, Miami, New York, Seattle, and St. Louis.   
                                               Daytime departure, maximum 14-day advance purchase, and minimum 7-
                                               day stay over. Disregard other restrictions.                     
----------------------------------------------------------------------------------------------------------------


                 Appendix 6.--Principal Pricing Changes                 
       [Goods and Services/Miscellaneous Expenses/Housing Related]      
------------------------------------------------------------------------
             Current                   Previous             Reason      
------------------------------------------------------------------------
1. Charge card annual fee.......  Not surveyed......  New item.         
2. Charge card finance charges..  Not surveyed......  New item.         
3. Funeral services.............  Not surveyed......  New item.         
4. Motor scooter................  Not surveyed......  New item.         
5. Personal water craft.........  Not surveyed......  New item.         
6. Parcel post..................  Not surveyed......  New item.         
7. Accounting service; Federal    Accounting          Change improves   
 1040 tax form service with        service;            price comparison.
 typical itemized deductions.      unspecified                          
                                   personal tax                         
                                   service.                             
8. Area rug.....................  Toilet lid cover..  Change improves   
                                                       brand comparison 
                                                       and better       
                                                       representation of
                                                       consumer         
                                                       expenditure      
                                                       survey.          
9. Baking dish..................  Casserole dish set  Change improves   
                                                       brand comparison.
10. Boy's jeans; discount store.  Boy's jeans;        More widely used  
                                   department store.   outlet.          
11. Contact lenses..............  Optometrist visit.  Change improves   
                                                       price comparison.
12. Fruit juice; cranberry......  Tomato juice......  More              
                                                       representative of
                                                       a fruit juice    
                                                       purchase.        
13. Girl's knit top.............  Girl's blouse.....  More widely       
                                                       purchased item.  
14. Hospital room; semi-private.  Hospital room;      More typical of   
                                   private.            hospital stays.  
15. Lawn care service...........  Appliance repair..  Change improves   
                                                       price comparison 
                                                       and better       
                                                       representation of
                                                       consumer         
                                                       expenditure      
                                                       survey.          
16. Legal services; real estate   Legal services;     More widely used  
 closing.                          general counsel.    service.         
17. Man's jeans; discount store.  Man's jeans;        More widely used  
                                   department store.   outlet.          
18. Round trip airfare; multiple  Round trip          Expands cost      
 areas.                            airfare; Los        information base.
                                   Angeles.                             
19. Snack cake..................  Donuts............  Change improves   
                                                       brand comparison.
20. Tune-up without PVC valve,    Tune-up with PVC    Change improves   
 fuel filter, and air filter       valve, fuel         price comparison 
 replacement.                      filter, and air     and facilitates  
                                   filter              data collection. 
                                   replacement.                         
21. Basic cable service; price    Basic cable         Change improves   
 per channel per month.            service; monthly    price comparison.
                                   rate.                                
------------------------------------------------------------------------

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

[[Page 14228]]

surveyed are identified through the use of full-scale Background 
Surveys, conducted approximately once every five years. 
Participation in the Price Surveys is voluntary. Data are collected 
by telephone and/or personal interview.
    Wherever practical and appropriate, the price of each good or 
service is obtained from at least three outlets in each allowance 
area and at least six outlets in the reference area (i.e., the 
Washington, DC, area). Realty data may be obtained from one or 
multiple sources, as appropriate.

Release of Information

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

Public Burden Information

    Public burden reporting for this collection of information is 
estimated to vary from 1 to 20 minutes per response. Send comments 
regarding the burden estimate or any other aspect of this collection 
of information, including suggestion for reducing this burden to 
Reports and Forms Management Officer, U.S. Office of Personnel 
Management, 1900 E Street, NW., Room CHP 500, Washington, DC 20415; 
and to the Office of Management and Budget, Paperwork Reduction 
Project (3206090199), 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).
    lst Choice: Arm pot roast.
    2nd Choice: Eye roast.
Peas, Frozen.
    Price for 10 ounce package.
    lst Choice: Bird's Eye.
    2nd Choice: Major brand of equivalent quality.
Men's Jeans.
    Price for one pair of blue jeans.
    1st Choice: Levi's #501 jeans.
    2nd Choice: Equivalent quality jeans.
Automobile, New.
    `Sticker' price of current year model Honda Civic, DX, four door 
sedan, 1.5 liter, four cylinder engine. (Price options, fees, 
financing, and taxes separately.)

    Example of services include, but are not limited to:

Woman's Haircut and Styling.
    `Regular service' price for a woman's cut and styled 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 if 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 or your rental units.
    2. Are they apartments, duplexes, town houses, detached houses, 
or other types of units? Describe.
    3. Are there additional amenities (e.g., pool, sauna, tennis 
courts, gym)? If so, describe.
    4. What is the monthly rent? What is the amount of the security 
deposit (if any)? What other kinds of fees or assessments are there?
    5. Are utilities included? Which ones? If you can, please 
provide information on average monthly or annual costs of utilities 
paid by tenants.
    6. Are term leases usually required? What are the conditions and 
penalties associated with the lease?
    7. Are there any special restrictions or other factors we should 
know about (e.g., seasonal tourist trade)?

Housing Component--Information Collection for Comparable Sales

    1. Describe the location, size, layout, number and types of 
rooms, and square footage of some of your recent home sales.
    2. Were they condominiums, duplexes, town houses, detached 
houses, or other types of dwellings? Describe.
    3. Were there any atypical characteristics (e.g., extra large 
lot sizes, beach front, desirable/undesirable locations)?
    4. Are there additional amenities provided by the developer, 
homeowners association, or similar community group (e.g., pool, 
sauna, tennis courts, gym)? If so, describe facilities and charges.
    5. What was the selling price and date of sale?
    6. What are the real estate taxes?
    7. Do you have any data on utilities relating to these homes?
    8. In the past year or so, what has been the average 
appreciation rate of property in this community? Looking back over 
the past six years, has this rate changed? How?
    9. Describe current market conditions (e.g., soft, booming, so-
so). How has this affected housing prices? Describe the housing 
market over the past six years.
    10. Are there any special considerations or other factors we 
should know about (e.g., retirement/tourist trade) that might affect 
the housing market in this community?

BILLING CODE 6325-01-F

[[Page 14229]]

[GRAPHIC] [TIFF OMITTED] TN25MR97.016


[[Page 14230]]

[GRAPHIC] [TIFF OMITTED] TN25MR97.017



[[Page 14231]]

[GRAPHIC] [TIFF OMITTED] TN25MR97.018



[[Page 14232]]

[GRAPHIC] [TIFF OMITTED] TN25MR97.019



BILLING CODE 6325-01-C

[[Page 14233]]

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

Survey Description

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

Purpose

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

Data Collection

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

Confidentiality

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

Public Burden Information

    Public burden reporting for this collection of information is 
estimated to vary from 5 minutes to 30 minutes per response. Send 
comments regarding the burden estimate or any other aspect of this 
collection of information, including suggestion for reducing this 
burden to Reports and Forms Management Officer, U.S. Office of 
Personnel Management, 1900 E Street NW., Room CHP 500, Washington, 
DC 20415; and to the Office of Management and Budget, Paperwork 
Reduction Project (3206090199), 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 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 of roads and highways are common in your area? 
What are the road surfaces and conditions?
    3. Are there unusual climatic or other factors that affect the 
fuel economy, maintenance, and depreciation of vehicles?
    4. Is there anything else we should know about private 
transportation usage and maintenance in your area? Are there 
suggestions or recommendations you wish to make?

Local Taxes and Fees

    1. What types of taxes, licenses, or fees does your State, 
territory, or local jurisdiction levy on real estate; personal 
property; sales (including sales of property); automobiles; 
utilities; or other goods, services, or transactions?
    2. Who levies these taxes, licenses or fees (i.e., State, 
territory, county, city, other jurisdiction)?
    3. What are the rates or schedules for these? How often and when 
are they levied? Do the rates/schedules vary by location, season, or 
other factors?
    4. Is there anything else we should know about taxes and fees in 
your area? Are there suggestions or recommendations you wish to 
make?

Mortgage Information

    1. What forms of home financing are most common in 
____________________________________ (the allowance area or 
Washington DC metropolitan area)? (Do not include second mortgages.)
    2. What are the typical conditions and limitations on loans?
    3. What is the typical amount(s) of down payment required? What 
are the terms and rates?
    4. Are there special subsidies or other practices that influence 
home financing in your area?
    5. Looking back six 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).

[[Page 14234]]

    4. For each type of housing, what are the usual number of rooms, 
bedrooms, baths, total square footage, lot size, type of 
construction, and similar characteristics?
    5. What types of utilities are available and typically used in 
these communities: sewer, water, natural gas, electricity, other?
    6. Are there any unusual factors that might affect maintenance 
requirements in your area?
    7. Looking back 6 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-F

[[Page 14235]]

[GRAPHIC] [TIFF OMITTED] TN25MR97.020


BILLING CODE 6325-01-C

[[Page 14236]]



                               Appendix 8--Consumption Goods and Services Analysis                              
                                                  [1996 Survey]                                                 
----------------------------------------------------------------------------------------------------------------
                                               Lower income            Middle income           Upper income     
         Categories            Category  -----------------------------------------------------------------------
                                indexes    Weights*    Subtotal    Weights*    Subtotal    Weights*    Subtotal 
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                  
    1. Food At Home.........      112.18       27.04       30.33       24.04       26.97       21.15       23.73
    2. Food Away From Home..      114.92       13.60       15.63       14.16       16.27       14.71       16.90
    3. Tobacco..............      109.72        3.09        3.39        2.55        2.80        2.02        2.22
    4. Alcohol..............      112.15        2.66        2.98        2.64        2.96        2.62        2.94
    5. Furnishings and                                                                                          
     Household Operations...      103.17       14.98       15.45       15.99       16.50       16.97       17.51
    6. Clothing.............       97.88       13.54       13.25       14.22       13.92       14.87       14.55
    7. Domestic Services....       85.15        1.73        1.47        1.94        1.65        2.14        1.82
    8. Professional Services       98.26        6.95        6.83        7.01        6.89        7.07        6.95
    9. Personal Care........      101.48        3.62        3.67        3.52        3.57        3.43        3.48
    10. Recreation..........      114.89       12.80       14.71       13.93       16.00       15.02       17.26
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      107.71  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      107.53  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      107.36
                             =============                                                                      
Fairbanks, AK:                                                                                                  
    1. Food At Home.........      111.54       27.04       30.16       24.04       26.81       21.15       23.59
    2. Food Away From Home..      123.76       13.60       16.83       14.16       17.52       14.71       18.21
    3. Tobacco..............      101.67        3.09        3.14        2.55        2.59        2.02        2.05
    4. Alcohol..............      111.49        2.66        2.97        2.64        2.94        2.62        2.92
    5. Furnishings and                                                                                          
     Household Operations...      108.94       14.98       16.32       15.99       17.42       16.97       18.49
    6. Clothing.............      108.62       13.54       14.71       14.22       15.45       14.87       16.15
    7. Domestic Services....       75.77        1.73        1.31        1.94        1.47        2.14        1.62
    8. Professional Services      122.36        6.95        8.50        7.01        8.58        7.07        8.65
    9. Personal Care........       99.99        3.62        3.62        3.52        3.52        3.43        3.43
    10. Recreation..........      143.48       12.80       18.37       13.93       19.99       15.02       21.55
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      115.93  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      116.29  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      116.66
                             =============                                                                      
Juneau, AK:                                                                                                     
    1. Food At Home.........      118.98       27.04       32.17       24.04       28.60       21.15       25.16
    2. Food Away From Home..      127.90       13.60       17.39       14.16       18.11       14.71       18.81
    3. Tobacco..............       93.07        3.09        2.88        2.55        2.37        2.02        1.88
    4. Alcohol..............      109.03        2.66        2.90        2.64        2.88        2.62        2.86
    5. Furnishings and                                                                                          
     Household Operations...      104.68       14.98       15.68       15.99       16.74       16.97       17.76
    6. Clothing.............      106.68       13.54       14.44       14.22       15.17       14.87       15.86
    7. Domestic Services....       88.80        1.73        1.54        1.94        1.72        2.14        1.90
    8. Professional Services      102.98        6.95        7.16        7.01        7.22        7.07        7.28
    9. Personal Care........      117.43        3.62        4.25        3.52        4.13        3.43        4.03
    10. Recreation..........      146.20       12.80       18.71       13.93       20.37       15.02       21.96
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      117.12  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      117.31  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      117.50
                             =============                                                                      
Nome, AK:                                                                                                       
    1. Food At Home.........      162.32       27.04       43.89       24.04       39.02       21.15       34.33
    2. Food Away From Home..      127.70       13.60       17.37       14.16       18.08       14.71       18.78
    3. Tobacco..............      112.38        3.09        3.47        2.55        2.87        2.02        2.27
    4. Alcohol..............      129.90        2.66        3.46        2.64        3.43        2.62        3.40
    5. Furnishings and                                                                                          
     Household Operations...      134.95       14.98       20.22       15.99       21.58       16.97       22.90
    6. Clothing.............      131.72       13.54       17.83       14.22       18.73       14.87       19.59
    7. Domestic Services....      115.71        1.73        2.00        1.94        2.24        2.14        2.48
    8. Professional Services       89.87        6.95        6.25        7.01        6.30        7.07        6.35
    9. Personal Care........      110.82        3.62        4.01        3.52        3.90        3.43        3.80
    10. Recreation..........      173.63       12.80       22.22       13.93       24.19       15.02       26.08
                             -------------                                                                      

[[Page 14237]]

                                                                                                                
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      140.72  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      140.34  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      139.98
                             =============                                                                      
Honolulu, HI:                                                                                                   
    1. Food At Home.........      135.40       27.04       36.61       24.04       32.55       21.15       28.64
    2. Food Away From Home..      122.05       13.60       16.60       14.16       17.28       14.71       17.95
    3. Tobacco..............      113.11        3.09        3.50        2.55        2.88        2.02        2.28
    4. Alcohol..............      108.90        2.66        2.90        2.64        2.87        2.62        2.85
    5. Furnishings and                                                                                          
     Household Operations...      104.89       14.98       15.71       15.99       16.77       16.97       17.80
    6. Clothing.............       94.67       13.54       12.82       14.22       13.46       14.87       14.08
    7. Domestic Services....       90.18        1.73        1.56        1.94        1.75        2.14        1.93
    8. Professional Services      107.59        6.95        7.48        7.01        7.54        7.07        7.61
    9. Personal Care........       85.45        3.62        3.09        3.52        3.01        3.43        2.93
    10. Recreation..........      119.19       12.80       15.26       13.93       16.60       15.02       17.90
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      115.53  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      114.71  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      113.97
                             =============                                                                      
Hilo, HI:                                                                                                       
    1. Food At Home.........      137.68       27.04       37.23       24.04       33.10       21.15       29.12
    2. Food Away From Home..      114.98       13.60       15.64       14.16       16.28       14.71       16.91
    3. Tobacco..............      107.87        3.09        3.33        2.55        2.75        2.02        2.18
    4. Alcohol..............      114.39        2.66        3.04        2.64        3.02        2.62        3.00
    5. Furnishings and                                                                                          
     Household Operations...      103.18       14.98       15.46       15.99       16.50       16.97       17.51
    6. Clothing.............      101.56       13.54       13.75       14.22       14.44       14.87       15.10
    7. Domestic Services....       67.36        1.73        1.17        1.94        1.31        2.14        1.44
    8. Professional Services       93.13        6.95        6.47        7.01        6.53        7.07        6.58
    9. Personal Care........      107.88        3.62        3.91        3.52        3.80        3.43        3.70
    10. Recreation..........      117.98       12.80       15.10       13.93       16.43       15.02       17.72
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      115.10  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      114.16  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      113.26
                             =============                                                                      
Kailua Kona, HI:                                                                                                
    1. Food At Home.........      131.75       27.04       35.63       24.04       31.67       21.15       27.87
    2. Food Away From Home..      126.04       13.60       17.14       14.16       17.85       14.71       18.54
    3. Tobacco..............      107.90        3.09        3.33        2.55        2.75        2.02        2.18
    4. Alcohol..............      113.72        2.66        3.02        2.64        3.00        2.62        2.98
    5. Furnishings and                                                                                          
     Household Operations...       97.94       14.98       14.67       15.99       15.66       16.97       16.62
    6. Clothing.............       99.79       13.54       13.51       14.22       14.19       14.87       14.84
    7. Domestic Services....       91.96        1.73        1.59        1.94        1.78        2.14        1.97
    8. Professional Services      102.79        6.95        7.14        7.01        7.21        7.07        7.27
    9. Personal Care........       90.66        3.62        3.28        3.52        3.19        3.43        3.11
    10. Recreation..........      138.27       12.80       17.70       13.93       19.26       15.02       20.77
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      117.01  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      116.56  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      116.15
                             =============                                                                      
Kauai County, HI:                                                                                               
    1. Food At Home.........      146.62       27.04       39.65       24.04       35.25       21.15       31.01
    2. Food Away From Home..      136.39       13.60       18.55       14.16       19.31       14.71       20.06
    3. Tobacco..............      119.63        3.09        3.70        2.55        3.05        2.02        2.42
    4. Alcohol..............      112.24        2.66        2.99        2.64        2.96        2.62        2.94

[[Page 14238]]

                                                                                                                
    5. Furnishings and                                                                                          
     Household Operations...      108.05       14.98       16.19       15.99       17.28       16.97       18.34
    6. Clothing.............      102.33       13.54       13.86       14.22       14.55       14.87       15.22
    7. Domestic Services....       71.70        1.73        1.24        1.94        1.39        2.14        1.53
    8. Professional Services      106.07        6.95        7.37        7.01        7.44        7.07        7.50
    9. Personal Care........       98.85        3.62        3.58        3.52        3.48        3.43        3.39
    10. Recreation..........      129.70       12.80       16.60       13.93       18.07       15.02       19.48
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      123.73  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      122.78  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      121.89
                             =============                                                                      
Maui County, HI:                                                                                                
    1. Food At Home.........      136.12       27.04       36.81       24.04       32.72       21.15       28.79
    2. Food Away From Home..      133.24       13.60       18.12       14.16       18.87       14.71       19.60
    3. Tobacco..............      116.64        3.09        3.60        2.55        2.97        2.02        2.36
    4. Alcohol..............      116.97        2.66        3.11        2.64        3.09        2.62        3.06
    5. Furnishings and                                                                                          
     Household Operations...      110.27       14.98       16.52       15.99       17.63       16.97       18.71
    6. Clothing.............      100.98       13.54       13.67       14.22       14.36       14.87       15.02
    7. Domestic Services....       84.56        1.73        1.46        1.94        1.64        2.14        1.81
    8. Professional Services       97.35        6.95        6.77        7.01        6.82        7.07        6.88
    9. Personal Care........      105.20        3.62        3.81        3.52        3.70        3.43        3.61
    10. Recreation..........      126.68       12.80       16.22       13.93       17.65       15.02       19.03
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      120.09  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      119.45  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      118.87
                             =============                                                                      
Guam:                                                                                                           
    1. Food At Home.........      128.12       27.04       34.64       24.04       30.80       21.15       27.10
    2. Food Away From Home..      123.12       13.60       16.74       14.16       17.43       14.71       18.11
    3. Tobacco..............       77.80        3.09        2.40        2.55        1.98        2.02        1.57
    4. Alcohol..............      101.35        2.66        2.70        2.64        2.68        2.62        2.66
    5. Furnishings and                                                                                          
     Household Operations...      119.21       14.98       17.86       15.99       19.06       16.97       20.23
    6. Clothing.............      105.81       13.54       14.33       14.22       15.05       14.87       15.73
    7. Domestic Services....       86.75        1.73        1.50        1.94        1.68        2.14        1.86
    8. Professional Services      100.03        6.95        6.95        7.01        7.01        7.07        7.07
    9. Personal Care........      118.07        3.62        4.27        3.52        4.16        3.43        4.05
    10. Recreation..........      126.43       12.80       16.18       13.93       17.61       15.02       18.99
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      117.57  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      117.46  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      117.37
                             =============                                                                      
Guam Blend:**                                                                                                   
    1. Food At Home.........       89.20       27.04       24.12       24.04       21.44       21.15       18.87
    2. Food Away From Home..      123.12       13.60       16.74       14.16       17.43       14.71       18.11
    3. Tobacco..............       56.89        3.09        1.76        2.55        1.45        2.02        1.15
    4. Alcohol..............       94.01        2.66        2.50        2.64        2.48        2.62        2.46
    5. Furnishings and                                                                                          
     Household Operations...      108.85       14.98       16.31       15.99       17.41       16.97       18.47
    6. Clothing.............       94.80       13.54       12.84       14.22       13.48       14.87       14.10
    7. Domestic Services....       86.75        1.73        1.50        1.94        1.68        2.14        1.86
    8. Professional Services      100.03        6.95        6.95        7.01        7.01        7.07        7.07
    9. Personal Care........      111.21        3.62        4.03        3.52        3.91        3.43        3.81
    10. Recreation..........      116.43       12.80       14.90       13.93       16.22       15.02       17.49
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      101.65  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      102.51  ..........  ..........

[[Page 14239]]

                                                                                                                
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      103.39
                             =============                                                                      
Puerto Rico:                                                                                                    
    1. Food At Home.........      102.23       27.04       27.64       24.04       24.58       21.15       21.62
    2. Food Away From Home..      107.64       13.60       14.64       14.16       15.24       14.71       15.83
    3. Tobacco..............       93.64        3.09        2.89        2.55        2.39        2.02        1.89
    4. Alcohol..............      116.10        2.66        3.09        2.64        3.07        2.62        3.04
    5. Furnishings and                                                                                          
     Household Operations...       95.57       14.98       14.32       15.99       15.28       16.97       16.22
    6. Clothing.............       90.51       13.54       12.26       14.22       12.87       14.87       13.46
    7. Domestic Services....       89.13        1.73        1.54        1.94        1.73        2.14        1.91
    8. Professional Services      102.10        6.95        7.10        7.01        7.16        7.07        7.22
    9. Personal Care........       86.75        3.62        3.14        3.52        3.05        3.43        2.98
    10. Recreation..........      110.71       12.80       14.17       13.93       15.42       15.02       16.63
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      100.79  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      100.79  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      100.80
                             =============                                                                      
St. Croix, VI:                                                                                                  
    1. Food At Home.........      117.61       27.04       31.80       24.04       28.27       21.15       24.87
    2. Food Away From Home..      131.30       13.60       17.86       14.16       18.59       14.71       19.31
    3. Tobacco..............       72.84        3.09        2.25        2.55        1.86        2.02        1.47
    4. Alcohol..............      104.96        2.66        2.79        2.64        2.77        2.62        2.75
    5. Furnishings and                                                                                          
     Household Operations...      116.92       14.98       17.51       15.99       18.70       16.97       19.84
    6. Clothing.............       96.28       13.54       13.04       14.22       13.69       14.87       14.32
    7. Domestic Services....       40.34        1.73        0.70        1.94        0.78        2.14        0.86
    8. Professional Services      106.28        6.95        7.39        7.01        7.45        7.07        7.51
    9. Personal Care........      105.81        3.62        3.83        3.52        3.72        3.43        3.63
    10. Recreation..........      124.48       12.80       15.93       13.93       17.34       15.02       18.70
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      113.10  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      113.17  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      113.26
                             =============                                                                      
St. Thomas, VI:                                                                                                 
    1. Food At Home.........      127.65       27.04       34.52       24.04       30.69       21.15       27.00
    2. Food Away From Home..      129.20       13.60       17.57       14.16       18.29       14.71       19.01
    3. Tobacco..............       69.65        3.09        2.15        2.55        1.78        2.02        1.41
    4. Alcohol..............      107.08        2.66        2.85        2.64        2.83        2.62        2.81
    5. Furnishings and                                                                                          
     Household Operations...      117.63       14.98       17.62       15.99       18.81       16.97       19.96
    6. Clothing.............       95.30       13.54       12.90       14.22       13.55       14.87       14.17
    7. Domestic Services....       73.38        1.73        1.27        1.94        1.42        2.14        1.57
    8. Professional Services      127.30        6.95        8.85        7.01        8.92        7.07        9.00
    9. Personal Care........      124.10        3.62        4.49        3.52        4.37        3.43        4.26
    10. Recreation..........      124.14       12.80       15.89       13.93       17.29       15.02       18.65
                             -------------                                                                      
        Total weights.......  ..........      100.00  ..........      100.00  ..........      100.00  ..........
                             -------------                                                                      
        Total indexes:                                                                                          
            Lower...........  ..........  ..........      118.11  ..........  ..........  ..........  ..........
            Middle..........  ..........  ..........  ..........  ..........      117.95  ..........  ..........
            Upper...........  ..........  ..........  ..........  ..........  ..........  ..........      117.84
----------------------------------------------------------------------------------------------------------------
*Numbers might not add to 100 due to rounding.                                                                  
**Local Retail and Commissary/Exchange                                                                          


[[Page 14240]]


           Consumption Goods and Services Analysis--Composites          
                              [1996 Survey]                             
------------------------------------------------------------------------
                                                  Total indexes         
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper  
                                           income     income     income 
------------------------------------------------------------------------
Hilo, HI....................      82.88     115.10     114.16     113.26
Kailua Kona, HI.............      17.12     117.01     116.56     116.15
                             ------------                               
    Total weight............     100.00  .........  .........  .........
                             ------------                               
     Hawaii County, HI......  .........     115.43     114.57     113.75
                             ============                               
St. Croix, VI...............      46.42     113.10     113.17     113.26
St. Thomas, VI..............      53.58     118.11     117.95     117.84
                             ------------                               
    Total weight............     100.00  .........  .........  .........
                             ------------                               
     Virgin Islands.........  .........     115.78     115.73     115.71
------------------------------------------------------------------------


                                     Appendix 9.--OPM Living Community List                                     
----------------------------------------------------------------------------------------------------------------
                                                 Low                     Middle                    High         
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                  
    Homeowner........................  North Anchorage........  North Anchorage........  South Anchorage.*      
    Renter...........................  North Anchorage........  North Anchorage........  South Anchorage.*      
                                                                                                                
--------------------------------------                                                                          
*The line between North and South Anchorage is set by Tudor Road.                                               
                                                                                                                
======================================                                                                          
Fairbanks, AK:                                                                                                  
    Homeowner........................  Fairbanks..............  Fairbanks..............  Fairbanks.             
    Renter...........................  Fairbanks..............  Fairbanks..............  Fairbanks.             
Juneau, AK:                                                                                                     
    Homeowner........................  Juneau/Mendenhall......  Juneau/Mendenhall......  Juneau/Mendenhall.     
    Renter...........................  Juneau/Mendenhall......  Juneau/Mendenhall......  Juneau/Mendenhall.     
Nome, AK:                                                                                                       
    Homeowner........................  Nome...................  Nome...................  Nome.                  
    Renter...........................  Nome...................  Nome...................  Nome.                  
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.                  
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.             

[[Page 14241]]

                                                                                                                
    Renter...........................  St. Croix..............  St. Croix..............  St. Croix.             
St. Thomas:                                                                                                     
    Homeowner........................  St. Thomas.............  St. Thomas.............  St. Thomas.            
    Renter...........................  St. Thomas.............  St. Thomas.............  St. Thomas.            
Washington, DC DC:                                                                                              
    Homeowner........................  Southeast DC...........  Northeast DC...........  Northwest DC.*         
    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/Silver      Rockville.             
                                        Suitland.                Spring.                                        
    Renter...........................  Capitol Heights/         Hyattsville/College      Rockville.             
                                        Suitland.                Park.                                          
Washington, DC VA:                                                                                              
    Homeowner........................  Woodbridge/Dale City...  Springfield............  Alexandria.            
    Renter...........................  Woodbridge/Dale City...  Alexandria.............  Arlington.             
----------------------------------------------------------------------------------------------------------------


                          Appendix 10--Historical Home Market Values and Interest Rates                         
----------------------------------------------------------------------------------------------------------------
                                                Interest rate                                                   
             Area                   Year          (percent)       Income level     Market value     Annual P&I* 
----------------------------------------------------------------------------------------------------------------
Anchorage, AK................            1986          10.000  Lower............         $87,974       $7,411.56
                               ..............  ..............  Middle...........         116,993        9,856.32
                               ..............  ..............  Upper............         143,284       12,071.28
                                         1987           9.375  Lower............          81,024        6,469.56
                               ..............  ..............  Middle...........         109,147        8,715.12
                               ..............  ..............  Upper............         130,227       10,398.36
                                         1988          10.500  Lower............          74,218        6,517.44
                               ..............  ..............  Middle...........         101,300        8,895.60
                               ..............  ..............  Upper............         117,190       10,291.08
                                         1989          11.125  Lower............          67,538        6,235.80
                               ..............  ..............  Middle...........          93,454        8,628.72
                               ..............  ..............  Upper............         112,532       10,390.20
                                         1990          10.250  Lower............          60,784        5,229.00
                               ..............  ..............  Middle...........          87,071        7,490.40
                               ..............  ..............  Upper............         114,783        9,874.32
                                         1992           9.000  Lower............          65,700        5,074.92
                               ..............  ..............  Middle...........          96,200        7,430.88
                               ..............  ..............  Upper............         139,400       10,767.84
                                         1993           8.125  Lower............          70,902        5,053.92
                               ..............  ..............  Middle...........          99,073        7,061.88
                               ..............  ..............  Upper............         130,815        9,324.48
                                         1994           7.625  Lower............          72,216        4,906.92
                               ..............  ..............  Middle...........          99,099        6,733.56
                               ..............  ..............  Upper............         124,780        8,478.60
                                         1995           8.625  Lower............          83,286        6,218.76
                               ..............  ..............  Middle...........         102,089        7,622.76
                               ..............  ..............  Upper............         134,580       10,048.80
                                         1996           7.125  Lower............          83,646        5,409.96
                               ..............  ..............  Middle...........         112,671        7,287.24
                               ..............  ..............  Upper............         139,689        9,034.68
Fairbanks, AK................            1986          10.000  Lower............          78,982        6,654.00
                               ..............  ..............  Middle...........         102,726        8,654.40
                               ..............  ..............  Upper............         140,199       11,811.36
                                         1987           9.375  Lower............          71,839        5,736.24
                               ..............  ..............  Middle...........          97,958        7,821.72
                               ..............  ..............  Upper............         131,833       10,526.64
                                         1988          10.500  Lower............          64,696        5,681.28
                               ..............  ..............  Middle...........          93,191        8,183.52
                               ..............  ..............  Upper............         123,467       10,842.24
                                         1989          11.125  Lower............          57,553        5,313.96
                               ..............  ..............  Middle...........          88,424        8,164.32
                               ..............  ..............  Upper............         115,101       10,627.44
                                         1990          10.250  Lower............          50,604        4,353.24
                               ..............  ..............  Middle...........          83,619        7,193.40
                               ..............  ..............  Upper............         107,143        9,217.08
                                         1992           9.000  Lower............          70,851        5,472.84
                               ..............  ..............  Middle...........         101,400        7,832.52
                               ..............  ..............  Upper............         137,000       10,582.44
                                         1993           8.125  Lower............          69,498        4,953.84

[[Page 14242]]

                                                                                                                
                               ..............  ..............  Middle...........         101,478        7,233.36
                               ..............  ..............  Upper............         115,787        8,253.24
                                         1994           7.625  Lower............          76,302        5,184.60
                               ..............  ..............  Middle...........         112,580        7,649.64
                               ..............  ..............  Upper............         127,829        8,685.72
                                         1995           8.708  Lower............          68,940        5,186.76
                               ..............  ..............  Middle...........          84,240        6,337.80
                               ..............  ..............  Upper............         108,426        8,157.48
                                         1996           7.125  Lower............          72,918        4,716.12
                               ..............  ..............  Middle...........          92,625        5,990.76
                               ..............  ..............  Upper............         115,855        7,493.16
Juneau, AK...................            1986          10.000  Lower............          90,811        7,650.60
                               ..............  ..............  Middle...........         107,283        9,038.28
                               ..............  ..............  Upper............         127,114       10,708.92
                                         1987           9.375  Lower............          83,909        6,699.96
                               ..............  ..............  Middle...........         100,846        8,052.36
                               ..............  ..............  Upper............         120,885        9,652.44
                                         1988          10.500  Lower............          76,441        6,712.68
                               ..............  ..............  Middle...........          93,787        8,235.96
                               ..............  ..............  Upper............         113,874        9,999.84
                                         1989          11.125  Lower............          68,797        6,352.08
                               ..............  ..............  Middle...........          86,284        7,966.68
                               ..............  ..............  Upper............         106,131        9,799.20
                                         1990          10.250  Lower............          78,429        6,746.88
                               ..............  ..............  Middle...........          99,227        8,536.08
                               ..............  ..............  Upper............         123,324       10,609.08
                                         1992           9.000  Lower............          89,470        6,911.04
                               ..............  ..............  Middle...........         114,400        8,836.68
                               ..............  ..............  Upper............         146,300       11,300.76
                                         1993           8.125  Lower............          87,570        6,241.92
                               ..............  ..............  Middle...........         115,518        8,234.04
                               ..............  ..............  Upper............         134,232        9,568.08
                                         1994           7.625  Lower............          92,826        6,307.32
                               ..............  ..............  Middle...........         117,364        7,974.72
                               ..............  ..............  Upper............         140,760        9,564.36
                                         1995           8.625  Lower............         102,879        7,681.80
                               ..............  ..............  Middle...........         138,723       10,358.16
                               ..............  ..............  Upper............         163,812       12,231.48
                                         1996           7.125  Lower............         114,255        7,389.72
                               ..............  ..............  Middle...........         143,767        9,298.44
                               ..............  ..............  Upper............         169,507       10,963.20
Nome, AK.....................            1986          10.000  Lower............          84,057        7,081.56
                               ..............  ..............  Middle...........         111,159        9,364.80
                               ..............  ..............  Upper............         133,735       11,266.80
                                         1987           9.375  Lower............          81,367        6,497.04
                               ..............  ..............  Middle...........         107,602        8,591.76
                               ..............  ..............  Upper............         129,445       10,335.96
                                         1988          10.500  Lower............          78,763        6,916.56
                               ..............  ..............  Middle...........         104,159        9,146.76
                               ..............  ..............  Upper............         125,312       11,004.24
                                         1989          11.125  Lower............          76,243        7,039.56
                               ..............  ..............  Middle...........         100,826        9,309.36
                               ..............  ..............  Upper............         121,302       11,199.96
                                         1990          10.250  Lower............          73,803        6,348.96
                               ..............  ..............  Middle...........          97,600        8,396.16
                               ..............  ..............  Upper............         117,420       10,101.12
                                         1992           9.000  Lower............          71,100        5,492.04
                               ..............  ..............  Middle...........          97,500        7,531.32
                               ..............  ..............  Upper............         122,400        9,454.68
                                         1993           8.125  Lower............          56,453        4,023.96
                               ..............  ..............  Middle...........          77,415        5,518.08
                               ..............  ..............  Upper............          97,186        6,927.36
                                         1994           7.625  Lower............          82,365        5,596.56
                               ..............  ..............  Middle...........         112,948        7,674.60
                               ..............  ..............  Upper............         141,794        9,634.68
                                         1995           8.625  Lower............          81,711        6,101.16
                               ..............  ..............  Middle...........         118,027        8,812.80
                               ..............  ..............  Upper............         154,343       11,524.44
                                         1996           7.125  Lower............          80,856        5,229.48
                               ..............  ..............  Middle...........         119,171        7,707.60
                               ..............  ..............  Upper............         139,213        9,003.84

[[Page 14243]]

                                                                                                                
Honolulu, HI.................            1986          10.250  Lower............          97,229        8,364.24
                               ..............  ..............  Middle...........         134,257       11,549.52
                               ..............  ..............  Upper............         154,513       13,292.04
                                         1987          10.375  Lower............         107,837        9,373.08
                               ..............  ..............  Middle...........         158,027       13,735.56
                               ..............  ..............  Upper............         190,786       16,582.92
                                         1988          11.000  Lower............         118,445       10,828.56
                               ..............  ..............  Middle...........         181,797       16,620.48
                               ..............  ..............  Upper............         227,059       20,758.44
                                         1989          10.500  Lower............         154,366       13,555.68
                               ..............  ..............  Middle...........         239,426       21,025.20
                               ..............  ..............  Upper............         263,331       23,124.36
                                         1990          10.250  Lower............         216,113       18,591.24
                               ..............  ..............  Middle...........         335,197       28,835.52
                               ..............  ..............  Upper............         379,283       32,628.12
                                         1991           9.125  Lower............         207,000       16,168.56
                               ..............  ..............  Middle...........         310,700       24,268.44
                               ..............  ..............  Upper............         370,600       28,947.12
                                         1992           8.125  Lower............         211,347       15,064.80
                               ..............  ..............  Middle...........         329,693       23,500.44
                               ..............  ..............  Upper............         363,460       25,907.28
                                         1993           7.125  Lower............         202,041       13,067.40
                               ..............  ..............  Middle...........         327,715       21,195.60
                               ..............  ..............  Upper............         374,918       24,248.52
                                         1994           9.333  Lower............         251,919       20,041.44
                               ..............  ..............  Middle...........         331,695       26,388.00
                               ..............  ..............  Upper............         394,706       31,400.76
                                         1996           7.025  Lower............         228,111       14,606.04
                               ..............  ..............  Middle...........         318,199       20,374.32
                               ..............  ..............  Upper............         398,412       25,510.44
Hilo, HI.....................            1986          10.250  Lower............          50,459        4,340.76
                               ..............  ..............  Middle...........          71,995        6,193.44
                               ..............  ..............  Upper............          97,783        8,411.88
                                         1987          10.375  Lower............          59,435        5,166.00
                               ..............  ..............  Middle...........          82,183        7,143.24
                               ..............  ..............  Upper............         106,098        9,221.88
                                         1988          11.000  Lower............          68,410        6,254.28
                               ..............  ..............  Middle...........          92,371        8,444.88
                               ..............  ..............  Upper............         114,412       10,459.92
                                         1989          10.500  Lower............          77,386        6,795.60
                               ..............  ..............  Middle...........         102,559        9,006.24
                               ..............  ..............  Upper............         122,727       10,777.32
                                         1990          10.250  Lower............          67,714        5,825.16
                               ..............  ..............  Middle...........         108,821        9,361.44
                               ..............  ..............  Upper............         164,283       14,132.52
                                         1991           9.125  Lower............         134,100       10,474.44
                               ..............  ..............  Middle...........         180,700       14,114.28
                               ..............  ..............  Upper............         204,000       15,934.20
                                         1992           8.125  Lower............         130,743        9,319.32
                               ..............  ..............  Middle...........         162,903       11,611.68
                               ..............  ..............  Upper............         197,863       14,103.60
                                         1993           7.125  Lower............         127,854        8,269.20
                               ..............  ..............  Middle...........         173,095       11,195.28
                               ..............  ..............  Upper............         202,018       13,065.96
                                         1994           9.333  Lower............         114,696        9,124.68
                               ..............  ..............  Middle...........         162,500       12,927.72
                               ..............  ..............  Upper............         196,146       15,604.32
                                         1996           7.000  Lower............         115,750        7,392.84
                               ..............  ..............  Middle...........         164,711       10,519.92
                               ..............  ..............  Upper............         183,841       11,741.76
Kailua Kona, HI..............            1986          10.250  Lower............          77,097        6,632.28
                               ..............  ..............  Middle...........         107,594        9,255.84
                               ..............  ..............  Upper............         119,902       10,314.60
                                         1987          10.375  Lower............          88,880        7,725.36
                               ..............  ..............  Middle...........         122,387       10,637.76
                               ..............  ..............  Upper............         140,297       12,194.52
                                         1988          11.000  Lower............         100,662        9,202.80
                               ..............  ..............  Middle...........         137,180       12,541.44
                               ..............  ..............  Upper............         160,692       14,691.00
                                         1989          10.500  Lower............         112,444        9,874.32
                               ..............  ..............  Middle...........         151,973       13,345.56

[[Page 14244]]

                                                                                                                
                               ..............  ..............  Upper............         181,087       15,902.16
                                         1990          10.250  Lower............         134,609       11,579.88
                               ..............  ..............  Middle...........         189,900       16,336.32
                               ..............  ..............  Upper............         225,100       19,364.40
                                         1991           9.130  Lower............         154,800       12,096.60
                               ..............  ..............  Middle...........         204,100       15,949.08
                               ..............  ..............  Upper............         256,700       20,059.44
                                         1992           8.125  Lower............         159,867       11,395.32
                               ..............  ..............  Middle...........         222,950       15,891.84
                               ..............  ..............  Upper............         261,018       18,605.28
                                         1993           7.125  Lower............         153,666        9,938.64
                               ..............  ..............  Middle...........         219,245       14,180.16
                               ..............  ..............  Upper............         261,902       16,939.08
                                         1994           9.333  Lower............         152,235       12,111.00
                               ..............  ..............  Middle...........         215,826       17,169.96
                               ..............  ..............  Upper............         224,128       17,830.44
                                         1996           6.958  Lower............         144,434        9,186.12
                               ..............  ..............  Middle...........         191,923       12,206.40
                               ..............  ..............  Upper............         220,752       14,039.88
Kauai County, HI.............            1986          10.250  Lower............          68,105        5,858.76
                               ..............  ..............  Middle...........          88,032        7,572.96
                               ..............  ..............  Upper............         105,494        9,075.24
                                         1987          10.375  Lower............          78,576        6,829.80
                               ..............  ..............  Middle...........         106,294        9,238.92
                               ..............  ..............  Upper............         121,318       10,544.88
                                         1988          11.000  Lower............          91,046        8,323.68
                               ..............  ..............  Middle...........         124,556       11,387.28
                               ..............  ..............  Upper............         145,581       13,309.44
                                         1989          10.500  Lower............         103,516        9,090.24
                               ..............  ..............  Middle...........         142,818       12,541.56
                               ..............  ..............  Upper............         177,900       15,622.32
                                         1990          10.250  Lower............         177,351       15,256.80
                               ..............  ..............  Middle...........         233,846       20,116.80
                               ..............  ..............  Upper............         295,854       25,451.04
                                         1991           9.125  Lower............         174,336       13,617.12
                               ..............  ..............  Middle...........         229,900       17,957.16
                               ..............  ..............  Upper............         290,800       22,714.08
                                         1992           8.125  Lower............         171,792       12,245.28
                               ..............  ..............  Middle...........         221,624       15,797.28
                               ..............  ..............  Upper............         273,921       19,524.96
                                         1993           7.125  Lower............         171,964       11,122.08
                               ..............  ..............  Middle...........         221,858       14,349.12
                               ..............  ..............  Upper............         274,195       17,734.08
                                         1994           9.333  Lower............         163,350       12,995.64
                               ..............  ..............  Middle...........         222,196       17,677.20
                               ..............  ..............  Upper............         255,000       20,287.08
                                         1996           6.958  Lower............         176,907       11,251.32
                               ..............  ..............  Middle...........         228,147       14,510.28
                               ..............  ..............  Upper............         265,084       16,859.40
Maui County, HI..............            1986          10.250  Lower............          91,748        7,892.64
                               ..............  ..............  Middle...........         121,737       10,472.52
                               ..............  ..............  Upper............         153,091       13,169.76
                                         1987          10.375  Lower............         100,293        8,717.40
                               ..............  ..............  Middle...........         133,911       11,639.40
                               ..............  ..............  Upper............         168,401       14,637.24
                                         1988          11.000  Lower............         121,107       11,071.92
                               ..............  ..............  Middle...........         160,693       14,691.00
                               ..............  ..............  Upper............         202,081       18,474.84
                                         1989          10.500  Lower............         151,384       13,293.84
                               ..............  ..............  Middle...........         200,866       17,639.04
                               ..............  ..............  Upper............         252,601       22,182.12
                                         1990          10.250  Lower............         174,092       14,976.36
                               ..............  ..............  Middle...........         230,996       19,871.64
                               ..............  ..............  Upper............         290,491       24,989.64
                                         1991           9.125  Lower............         210,651       16,453.68
                               ..............  ..............  Middle...........         279,500       21,831.36
                               ..............  ..............  Upper............         351,494       27,454.80
                                         1992           8.125  Lower............         207,913       14,820.00
                               ..............  ..............  Middle...........         275,925       19,667.88
                               ..............  ..............  Upper............         346,925       24,728.76
                                         1993           7.125  Lower............         180,099       11,648.28

[[Page 14245]]

                                                                                                                
                               ..............  ..............  Middle...........         255,476       16,523.40
                               ..............  ..............  Upper............         310,845       20,104.56
                                         1994           9.333  Lower............         180,000       14,320.32
                               ..............  ..............  Middle...........         250,588       19,936.08
                               ..............  ..............  Upper............         278,443       22,152.12
                                         1996           7.000  Lower............         192,575       12,299.64
                               ..............  ..............  Middle...........         260,593       16,643.88
                               ..............  ..............  Upper............         283,138       18,083.76
Guam.........................            1986          10.250  Lower............          65,363        5,622.84
                               ..............  ..............  Middle...........          79,689        6,855.36
                               ..............  ..............  Upper............         170,384       14,657.40
                                         1987          10.375  Lower............          74,841        6,505.08
                               ..............  ..............  Middle...........          91,802        7,979.40
                               ..............  ..............  Upper............         188,786       16,409.16
                                         1988          11.000  Lower............          84,271        7,704.36
                               ..............  ..............  Middle...........         103,920        9,500.64
                               ..............  ..............  Upper............         207,287       18,950.76
                                         1989          10.375  Lower............          93,709        8,145.12
                               ..............  ..............  Middle...........         116,079       10,089.48
                               ..............  ..............  Upper............         225,735       19,620.72
                                         1990          10.500  Lower............         103,174        9,060.24
                               ..............  ..............  Middle...........         128,151       11,253.60
                               ..............  ..............  Upper............         244,245       21,448.32
                                         1991          10.125  Lower............         113,491        9,662.04
                               ..............  ..............  Middle...........         140,966       12,001.08
                               ..............  ..............  Upper............         268,670       22,873.20
                                         1992           9.491  Lower............         130,855       10,554.60
                               ..............  ..............  Middle...........         162,534       13,109.88
                               ..............  ..............  Upper............         309,777       24,986.28
                                         1993           7.750  Lower............         144,738        9,954.48
                               ..............  ..............  Middle...........         189,280       13,017.84
                               ..............  ..............  Upper............         258,978       17,811.36
                                         1994          10.050  Lower............         133,452       11,290.32
                               ..............  ..............  Middle...........         188,240       15,925.44
                               ..............  ..............  Upper............         244,375       20,674.56
                                         1996           7.875  Lower............         130,746        9,100.80
                               ..............  ..............  Middle...........         180,074       12,534.36
                               ..............  ..............  Upper............         224,347       15,616.08
Puerto Rico..................            1986          10.250  Lower............          56,323        4,845.24
                               ..............  ..............  Middle...........          68,989        5,934.84
                               ..............  ..............  Upper............          99,857        8,590.32
                                         1987          10.625  Lower............          60,266        5,346.36
                               ..............  ..............  Middle...........          73,818        6,548.64
                               ..............  ..............  Upper............         106,847        9,478.80
                                         1988          10.875  Lower............          64,485        5,837.04
                               ..............  ..............  Middle...........          78,985        7,149.48
                               ..............  ..............  Upper............         114,326       10,348.44
                                         1989          10.375  Lower............          70,934        6,165.48
                               ..............  ..............  Middle...........          86,884        7,551.84
                               ..............  ..............  Upper............         122,329       10,632.72
                                         1990          10.375  Lower............          78,027        6,782.04
                               ..............  ..............  Middle...........          95,572        8,307.00
                               ..............  ..............  Upper............         134,562       11,696.04
                                         1991           8.875  Lower............          82,800        6,324.48
                               ..............  ..............  Middle...........         100,255        7,657.68
                               ..............  ..............  Upper............         141,100       10,777.44
                                         1992           8.125  Lower............          62,271        4,438.68
                               ..............  ..............  Middle...........          84,721        6,038.88
                               ..............  ..............  Upper............         151,946       10,830.72
                                         1993           7.125  Lower............          61,389        3,970.44
                               ..............  ..............  Middle...........          84,084        5,438.28
                               ..............  ..............  Upper............         151,878        9,822.96
                                         1994           8.750  Lower............          66,843        5,048.16
                               ..............  ..............  Middle...........         102,232        7,720.92
                               ..............  ..............  Upper............         143,633       10,847.64
                                         1996           7.792  Lower............          69,714        4,813.92
                               ..............  ..............  Middle...........         107,367        7,413.96
                               ..............  ..............  Upper............         168,385       11,627.40
St. Croix, VI................            1986          10.250  Lower............          48,995        4,214.88
                               ..............  ..............  Middle...........          63,491        5,461.80
                               ..............  ..............  Upper............         107,730        9,267.60

[[Page 14246]]

                                                                                                                
                                         1987          12.000  Lower............          54,140        5,346.12
                               ..............  ..............  Middle...........          70,157        6,927.72
                               ..............  ..............  Upper............         119,042       11,754.96
                                         1988          12.000  Lower............          66,051        6,522.36
                               ..............  ..............  Middle...........          85,592        8,451.96
                               ..............  ..............  Upper............         145,231       14,341.08
                                         1989          11.750  Lower............          64,730        6,272.52
                               ..............  ..............  Middle...........          83,880        8,128.20
                               ..............  ..............  Upper............         142,326       13,791.84
                                         1990          11.250  Lower............          80,912        7,544.28
                               ..............  ..............  Middle...........         104,850        9,776.28
                               ..............  ..............  Upper............         177,908       16,588.32
                                         1991          10.250  Lower............          85,281        7,336.32
                               ..............  ..............  Middle...........         110,500        9,505.80
                               ..............  ..............  Upper............         187,500       16,129.80
                                         1992           9.500  Lower............         103,635        8,365.68
                               ..............  ..............  Middle...........         151,866       12,258.96
                               ..............  ..............  Upper............         188,037       15,178.68
                                         1993           8.375  Lower............         112,962        8,242.44
                               ..............  ..............  Middle...........         174,161       12,708.00
                               ..............  ..............  Upper............         194,004       14,155.92
                                         1994           9.083  Lower............          77,409        6,024.00
                               ..............  ..............  Middle...........         128,076        9,966.84
                               ..............  ..............  Upper............         210,035       16,344.96
                                         1996           9.042  Lower............          86,304        6,691.32
                               ..............  ..............  Middle...........         124,863        9,680.88
                               ..............  ..............  Upper............         180,796       14,017.44
St. Thomas, VI...............            1986          10.250  Lower............          92,023        7,916.40
                               ..............  ..............  Middle...........         116,437       10,016.52
                               ..............  ..............  Upper............         138,973       11,955.24
                                         1987          12.000  Lower............         103,617       10,231.80
                               ..............  ..............  Middle...........         131,108       12,946.44
                               ..............  ..............  Upper............         156,484       15,452.28
                                         1988          12.000  Lower............         121,129       11,961.12
                               ..............  ..............  Middle...........         153,265       15,134.40
                               ..............  ..............  Upper............         182,929       18,063.60
                                         1989          11.750  Lower............         126,943       12,301.20
                               ..............  ..............  Middle...........         160,622       15,564.84
                               ..............  ..............  Upper............         191,710       18,577.32
                                         1990          11.250  Lower............         122,500       11,422.08
                               ..............  ..............  Middle...........         155,000       14,452.32
                               ..............  ..............  Upper............         185,000       17,249.64
                                         1991          10.250  Lower............         126,900       10,916.64
                               ..............  ..............  Middle...........         180,700       15,544.80
                               ..............  ..............  Upper............         210,800       18,134.28
                                         1992           9.000  Lower............         128,930        9,959.04
                               ..............  ..............  Middle...........         183,591       14,181.24
                               ..............  ..............  Upper............         214,173       16,543.56
                                         1993           8.250  Lower............         139,680       10,074.00
                               ..............  ..............  Middle...........         198,829       14,339.88
                               ..............  ..............  Upper............         231,949       16,728.48
                                         1994           9.083  Lower............         106,533        8,290.44
                               ..............  ..............  Middle...........         190,164       14,798.52
                               ..............  ..............  Upper............         195,381       15,204.60
                                         1996           8.292  Lower............         137,936        9,987.00
                               ..............  ..............  Middle...........         197,134       14,273.16
                               ..............  ..............  Upper............         187,673       13,588.08
Washington, DC (DC)..........            1986          10.250  Lower............          64,778        5,572.56
                               ..............  ..............  Middle...........          99,213        8,534.88
                               ..............  ..............  Upper............         173,448       14,921.04
                                         1987          10.250  Lower............          70,543        6,068.52
                               ..............  ..............  Middle...........         113,015        9,722.16
                               ..............  ..............  Upper............         187,324       16,114.68
                                         1988          10.500  Lower............          76,327        6,702.60
                               ..............  ..............  Middle...........         126,817       11,136.48
                               ..............  ..............  Upper............         202,310       17,765.88
                                         1989           9.625  Lower............          82,128        6,701.52
                               ..............  ..............  Middle...........         140,619       11,474.40
                               ..............  ..............  Upper............         218,495       17,829.00
                                         1990           9.875  Lower............          87,877        7,325.52
                               ..............  ..............  Middle...........         140,974       11,751.84

[[Page 14247]]

                                                                                                                
                               ..............  ..............  Upper............         235,975       19,671.24
                                         1991           9.250  Lower............          90,104        7,116.12
                               ..............  ..............  Middle...........         144,550       11,416.08
                               ..............  ..............  Upper............         242,000       19,112.40
                                         1992           8.313  Lower............          90,828        6,589.32
                               ..............  ..............  Middle...........         127,270        9,233.04
                               ..............  ..............  Upper............         241,230       17,500.56
                                         1993           7.375  Lower............          93,369        6,190.80
                               ..............  ..............  Middle...........         115,021        7,626.48
                               ..............  ..............  Upper............         286,564       19,000.56
                                         1994           8.677  Lower............          82,242        6,170.04
                               ..............  ..............  Middle...........         104,657        7,851.72
                               ..............  ..............  Upper............         305,541       22,922.64
                                         1996           7.625  Lower............          73,177        4,972.20
                               ..............  ..............  Middle...........         110,425        7,503.12
                               ..............  ..............  Upper............         290,563       19,743.24
Washington, DC (MD)..........            1986          10.250  Lower............          60,029        5,164.08
                               ..............  ..............  Middle...........          92,955        7,996.56
                               ..............  ..............  Upper............         110,600        9,514.44
                                         1987          10.125  Lower............          66,032        5,621.64
                               ..............  ..............  Middle...........         102,250        8,705.04
                               ..............  ..............  Upper............         121,660       10,357.56
                                         1988          10.375  Lower............          73,295        6,370.68
                               ..............  ..............  Middle...........         113,498        9,865.20
                               ..............  ..............  Upper............         135,043       11,737.80
                                         1989          10.000  Lower............          81,357        6,854.04
                               ..............  ..............  Middle...........         125,983       10,613.64
                               ..............  ..............  Upper............         149,898       12,628.44
                                         1990           9.875  Lower............          89,493        7,460.28
                               ..............  ..............  Middle...........         138,581       11,552.28
                               ..............  ..............  Upper............         164,888       13,745.28
                                         1991           8.750  Lower............          93,475        7,059.48
                               ..............  ..............  Middle...........         144,748       10,931.88
                               ..............  ..............  Upper............         169,958       12,835.80
                                         1992           8.313  Lower............         104,198        7,559.28
                               ..............  ..............  Middle...........         131,118        9,512.28
                               ..............  ..............  Upper............         207,502       15,053.64
                                         1993           7.375  Lower............          92,655        6,143.52
                               ..............  ..............  Middle...........         118,911        7,884.36
                               ..............  ..............  Upper............         204,264       13,543.68
                                         1994           8.688  Lower............          90,963        6,831.24
                               ..............  ..............  Middle...........         167,349       12,567.72
                               ..............  ..............  Upper............         214,030       16,073.40
                                         1996           6.896  Lower............         109,369        6,912.12
                               ..............  ..............  Middle...........         222,845       14,083.80
                               ..............  ..............  Upper............         224,792       14,206.80
Washington, DC (VA)..........            1986          10.250  Lower............          70,857        6,095.52
                               ..............  ..............  Middle...........          79,954        6,878.16
                               ..............  ..............  Upper............         132,568       11,404.20
                                         1987          10.125  Lower............          76,526        6,515.04
                               ..............  ..............  Middle...........          86,350        7,351.44
                               ..............  ..............  Upper............         143,173       12,189.00
                                         1988          10.500  Lower............          83,413        7,324.92
                               ..............  ..............  Middle...........          94,122        8,265.36
                               ..............  ..............  Upper............         156,059       13,704.36
                                         1989           9.500  Lower............          90,086        7,271.88
                               ..............  ..............  Middle...........         101,652        8,205.60
                               ..............  ..............  Upper............         168,544       13,605.24
                                         1990          10.000  Lower............          97,293        8,196.60
                               ..............  ..............  Middle...........         109,784        9,249.00
                               ..............  ..............  Upper............         182,028       15,335.28
                                         1991           8.938  Lower............         103,462        7,947.48
                               ..............  ..............  Middle...........         117,650        9,037.44
                               ..............  ..............  Upper............         187,000       14,364.60
                                         1992           8.250  Lower............         100,103        7,219.56
                               ..............  ..............  Middle...........         126,315        9,110.04
                               ..............  ..............  Upper............         182,810       13,184.52
                                         1993           7.500  Lower............          94,905        6,370.44
                               ..............  ..............  Middle...........         126,874        8,516.40
                               ..............  ..............  Upper............         181,705       12,196.92
                                         1994           8.698  Lower............          99,657        7,490.88

[[Page 14248]]

                                                                                                                
                               ..............  ..............  Middle...........         167,876       12,618.72
                               ..............  ..............  Upper............         228,191       17,152.44
                                         1996           7.083  Lower............         108,327        6,976.80
                               ..............  ..............  Middle...........         169,472       10,914.84
                               ..............  ..............  Upper............         206,918       13,326.60
----------------------------------------------------------------------------------------------------------------
*Principal and interest assumes 80 financing.                                                                   


                                      Appendix 11.--Historical Housing Data                                     
----------------------------------------------------------------------------------------------------------------
                                             Lower                  Middle                   Upper              
            Year                Weights     amounts    Subtotal     amounts    Subtotal     amounts    Subtotal 
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                  
    1986....................        6.31    7,411.56      467.67    9,856.32      621.93   12,071.28      761.70
    1987....................        6.77    6,469.56      437.99    8,715.12      590.01   10,398.36      703.97
    1988....................        8.19    6,517.44      533.78    8,895.60      728.55   10,291.08      842.84
    1989....................        7.03    6,235.80      438.38    8,628.72      606.60   10,390.20      730.43
    1990....................        7.72    5,229.00      403.68    7,490.40      578.26    9,874.32      762.30
    1992....................        8.32    5,074.92      422.23    7,430.88      618.25   10,767.84      895.88
    1993....................       10.08    5,053.92      509.44    7,061.88      711.84    9,324.48      939.91
    1994....................       12.92    4,906.92      633.97    6,733.56      869.98    8,478.60    1,095.44
    1995....................       13.78    6,218.76      856.95    7,622.76    1,050.42   10,048.80    1,384.72
    1996....................       18.88    5,409.96    1,021.40    7,287.24    1,375.83    9,034.68    1,705.75
                             -------------                                                                      
      Totals................      100.00  ..........    5,725.49  ..........    7,751.67  ..........    9,822.94
                             =============                                                                      
Fairbanks, AK:                                                                                                  
    1986....................        6.31    6,654.00      419.87    8,654.40      546.09   11,811.36      745.30
    1987....................        6.77    5,736.24      388.34    7,821.72      529.53   10,526.64      712.65
    1988....................        8.19    5,681.28      465.30    8,183.52      670.23   10,842.24      887.98
    1989....................        7.03    5,313.96      373.57    8,164.32      573.95   10,627.44      747.11
    1990....................        7.72    4,353.24      336.07    7,193.40      555.33    9,217.08      711.56
    1992....................        8.32    5,472.84      455.34    7,832.52      651.67   10,582.44      880.46
    1993....................       10.08    4,953.84      499.35    7,233.36      729.12    8,253.24      831.93
    1994....................       12.92    5,184.60      669.85    7,649.64      988.33    8,685.72    1,122.20
    1995....................       13.78    5,186.76      714.74    6,337.80      873.35    8,157.48    1,124.10
    1996....................       18.88    4,716.12      890.40    5,990.76    1,131.06    7,493.16    1,414.71
                             -------------                                                                      
      Totals................      100.00  ..........    5,212.83  ..........    7,248.66  ..........    9,178.00
                             =============                                                                      
Juneau, AK:                                                                                                     
    1986....................        6.31    7,650.60      482.75    9,038.28      570.32   10,708.92      675.73
    1987....................        6.77    6,699.96      453.59    8,052.36      545.14    9,652.44      653.47
    1988....................        8.19    6,712.68      549.77    8,235.96      674.53    9,999.84      818.99
    1989....................        7.03    6,352.08      446.55    7,966.68      560.06    9,799.20      688.88
    1990....................        7.72    6,746.88      520.86    8,536.08      658.99   10,609.08      819.02
    1992....................        8.32    6,911.04      575.00    8,836.68      735.21   11,300.76      940.22
    1993....................       10.08    6,241.92      629.19    8,234.04      829.99    9,568.08      964.46
    1994....................       12.92    6,307.32      814.91    7,974.72    1,030.33    9,564.36    1,235.72
    1995....................       13.78    7,681.80    1,058.55   10,358.16    1,427.35   12,231.48    1,685.50
    1996....................       18.88    7,389.72    1,395.18    9,298.44    1,755.55   10,963.20    2,069.85
                             -------------                                                                      
      Totals................      100.00  ..........    6,926.35  ..........    8,787.47  ..........   10,551.84
                             =============                                                                      
Nome, AK:                                                                                                       
    1986....................        6.31    7,081.56      446.85    9,364.80      590.92   11,266.80      710.94
    1987....................        6.77    6,497.04      439.85    8,591.76      581.66   10,335.96      699.74
    1988....................        8.19    6,916.56      566.47    9,146.76      749.12   11,004.24      901.25
    1989....................        7.03    7,039.56      494.88    9,309.36      654.45   11,199.96      787.36
    1990....................        7.72    6,348.96      490.14    8,396.16      648.18   10,101.12      779.81
    1992....................        8.32    5,492.04      456.94    7,531.32      626.61    9,454.68      786.63
    1993....................       10.08    4,023.96      405.62    5,518.08      556.22    6,927.36      698.28
    1994....................       12.92    5,596.56      723.08    7,674.60      991.56    9,634.68    1,244.80
    1995....................       13.78    6,101.16      840.74    8,812.80    1,214.40   11,524.44    1,588.07
    1996....................       18.88    5,229.48      987.33    7,707.60    1,455.19    9,003.84    1,699.92
                             -------------                                                                      
      Totals................      100.00  ..........    5,851.90  ..........    8,068.31  ..........    9,896.80
                             =============                                                                      
Honolulu, HI:                                                                                                   
    1986....................        6.31    8,364.24      527.78   11,549.52      728.77   13,292.04      838.73
    1987....................        6.77    9,373.08      634.56   13,735.56      929.90   16,582.92    1,122.66

[[Page 14249]]

                                                                                                                
    1988....................        8.19   10,828.56      886.86   16,620.48    1,361.22   20,758.44    1,700.12
    1989....................        7.03   13,555.68      952.96   21,025.20    1,478.07   23,124.36    1,625.64
    1990....................        7.72   18,591.24    1,435.24   28,835.52    2,226.10   32,628.12    2,518.89
    1991....................        8.32   16,168.56    1,345.22   24,268.44    2,019.13   28,947.12    2,408.40
    1992....................       10.08   15,064.80    1,518.53   23,500.44    2,368.84   25,907.28    2,611.45
    1993....................       12.92   13,067.40    1,688.31   21,195.60    2,738.47   24,248.52    3,132.91
    1994....................       13.78   20,041.44    2,761.71   26,388.00    3,636.27   31,400.76    4,327.02
    1996....................       18.88   14,606.04    2,757.62   20,374.32    3,846.67   25,510.44    4,816.37
                             -------------                                                                      
      Totals................      100.00  ..........   14,508.79  ..........   21,333.44  ..........   25,102.19
                             =============                                                                      
Hilo, HI:                                                                                                       
    1986....................        6.31    4,340.76      273.90    6,193.44      390.81    8,411.88      530.79
    1987....................        6.77    5,166.00      349.74    7,143.24      483.60    9,221.88      624.32
    1988....................        8.19    6,254.28      512.23    8,444.88      691.64   10,459.92      856.67
    1989....................        7.03    6,795.60      477.73    9,006.24      633.14   10,777.32      757.65
    1990....................        7.72    5,825.16      449.70    9,361.44      722.70   14,132.52    1,091.03
    1991....................        8.32   10,474.44      871.47   14,114.28    1,174.31   15,934.20    1,325.73
    1992....................       10.08    9,319.32      939.39   11,611.68    1,170.46   14,103.60    1,421.64
    1993....................       12.92    8,269.20    1,068.38   11,195.28    1,446.43   13,065.96    1,688.12
    1994....................       13.78    9,124.68    1,257.38   12,927.72    1,781.44   15,604.32    2,150.28
    1996....................       18.88    7,392.84    1,395.77   10,519.92    1,986.16   11,741.76    2,216.84
                             -------------                                                                      
      Totals................      100.00  ..........    7,595.69  ..........   10,480.69  ..........   12,663.07
                             =============                                                                      
Kailua Kona, HI:                                                                                                
    1986....................        6.31    6,632.28      418.50    9,255.84      584.04   10,314.60      650.85
    1987....................        6.77    7,725.36      523.01   10,637.76      720.18   12,194.52      825.57
    1988....................        8.19    9,202.80      753.71   12,541.44    1,027.14   14,691.00    1,203.19
    1989....................        7.03    9,874.32      694.16   13,345.56      938.19   15,902.16    1,117.92
    1990....................        7.72   11,579.88      893.97   16,336.32    1,261.16   19,364.40    1,494.93
    1991....................        8.32   12,096.60    1,006.44   15,949.08    1,326.96   20,059.44    1,668.95
    1992....................       10.08   11,395.32    1,148.65   15,891.84    1,601.90   18,605.28    1,875.41
    1993....................       12.92    9,938.64    1,284.07   14,180.16    1,832.08   16,939.08    2,188.53
    1994....................       13.78   12,111.00    1,668.90   17,169.96    2,366.02   17,830.44    2,457.03
    1996....................       18.88    9,186.12    1,734.34   12,206.40    2,304.57   14,039.88    2,650.73
                             -------------                                                                      
      Totals................      100.00  ..........   10,125.75  ..........   13,962.24  ..........   16,133.11
                             =============                                                                      
Kauai, HI:                                                                                                      
    1986....................        6.31    5,858.76      369.69    7,572.96      477.85    9,075.24      572.65
    1987....................        6.77    6,829.80      462.38    9,238.92      625.47   10,544.88      713.89
    1988....................        8.19    8,323.68      681.71   11,387.28      932.62   13,309.44    1,090.04
    1989....................        7.03    9,090.24      639.04   12,541.56      881.67   15,622.32    1,098.25
    1990....................        7.72   15,256.80    1,177.82   20,116.80    1,553.02   25,451.04    1,964.82
    1991....................        8.32   13,617.12    1,132.94   17,957.16    1,494.04   22,714.08    1,889.81
    1992....................       10.08   12,245.28    1,234.32   15,797.28    1,592.37   19,524.96    1,968.12
    1993....................       12.92   11,122.08    1,436.97   14,349.12    1,853.91   17,734.08    2,291.24
    1994....................       13.78   12,995.64    1,790.80   17,677.20    2,435.92   20,287.08    2,795.56
    1996....................       18.88   11,251.32    2,124.25   14,510.28    2,739.54   16,859.40    3,183.05
                             -------------                                                                      
      Totals................      100.00  ..........   11,049.92  ..........   14,586.41  ..........   17,567.43
                             =============                                                                      
Maui, HI:                                                                                                       
    1986....................        6.31    7,892.64      498.03   10,472.52      660.82   13,169.76      831.01
    1987....................        6.77    8,717.40      590.17   11,639.40      787.99   14,637.24      990.94
    1988....................        8.19   11,071.92      906.79   14,691.00    1,203.19   18,474.84    1,513.09
    1989....................        7.03   13,293.84      934.56   17,639.04    1,240.02   22,182.12    1,559.40
    1990....................        7.72   14,976.36    1,156.17   19,871.64    1,534.09   24,989.64    1,929.20
    1991....................        8.32   16,453.68    1,368.95   21,831.36    1,816.37   27,454.80    2,284.24
    1992....................       10.08   14,820.00    1,493.86   19,667.88    1,982.52   24,728.76    2,492.66
    1993....................       12.92   11,648.28    1,504.96   16,523.40    2,134.82   20,104.56    2,597.51
    1994....................       13.78   14,320.32    1,973.34   19,936.08    2,747.19   22,152.12    3,052.56
    1996....................       18.88   12,299.64    2,322.17   16,643.88    3,142.36   18,083.76    3,414.21
                             -------------                                                                      
      Totals................      100.00  ..........   12,749.00  ..........   17,249.37  ..........   20,664.82
                             =============                                                                      
Guam:                                                                                                           
    1986....................        6.31    5,622.84      354.80    6,855.36      432.57   14,657.40      924.88
    1987....................        6.77    6,505.08      440.39    7,979.40      540.21   16,409.16    1,110.90
    1988....................        8.19    7,704.36      630.99    9,500.64      778.10   18,950.76    1,552.07
    1989....................        7.03    8,145.12      572.60   10,089.48      709.29   19,620.72    1,379.34

[[Page 14250]]

                                                                                                                
    1990....................        7.72    9,060.24      699.45   11,253.60      868.78   21,448.32    1,655.81
    1991....................        8.32    9,662.04      803.88   12,001.08      998.49   22,873.20    1,903.05
    1992....................       10.08   10,554.60    1,063.90   13,109.88    1,321.48   24,986.28    2,518.62
    1993....................       12.92    9,954.48    1,286.12   13,017.84    1,681.90   17,811.36    2,301.23
    1994....................       13.78   11,290.32    1,555.81   15,925.44    2,194.53   20,674.56    2,848.95
    1996....................       18.88    9,100.80    1,718.23   12,534.36    2,366.49   15,616.08    2,948.32
                             -------------                                                                      
      Totals................      100.00  ..........    9,126.17  ..........   11,891.84  ..........   19,143.17
                             =============                                                                      
Puerto Rico:                                                                                                    
    1986....................        6.31    4,845.24      305.73    5,934.84      374.49    8,590.32      542.05
    1987....................        6.77    5,346.36      361.95    6,548.64      443.34    9,478.80      641.71
    1988....................        8.19    5,837.04      478.05    7,149.48      585.54   10,348.44      847.54
    1989....................        7.03    6,165.48      433.43    7,551.84      530.89   10,632.72      747.48
    1990....................        7.72    6,782.04      523.57    8,307.00      641.30   11,696.04      902.93
    1991....................        8.32    6,324.48      526.20    7,657.68      637.12   10,777.44      896.68
    1992....................       10.08    4,438.68      447.42    6,038.88      608.72   10,830.72    1,091.74
    1993....................       12.92    3,970.44      512.98    5,438.28      702.63    9,822.96    1,269.13
    1994....................       13.78    5,048.16      695.64    7,720.92    1,063.94   10,847.64    1,494.80
    1996....................       18.88    4,813.92      908.87    7,413.96    1,399.76   11,627.40    2,195.25
                             -------------                                                                      
      Totals................      100.00  ..........    5,193.84  ..........    6,987.73  ..........   10,629.31
                             =============                                                                      
St. Croix, VI:                                                                                                  
    1986....................        6.31    4,214.88      265.96    5,461.80      344.64    9,267.60      584.79
    1987....................        6.77    5,346.12      361.93    6,927.72      469.01   11,754.96      795.81
    1988....................        8.19    6,522.36      534.18    8,451.96      692.22   14,341.08    1,174.53
    1989....................        7.03    6,272.52      440.96    8,128.20      571.41   13,791.84      969.57
    1990....................        7.72    7,544.28      582.42    9,776.28      754.73   16,588.32    1,280.62
    1991....................        8.32    7,336.32      610.38    9,505.80      790.88   16,129.80    1,342.00
    1992....................       10.08    8,365.68      843.26   12,258.96    1,235.70   15,178.68    1,530.01
    1993....................       12.92    8,242.44    1,064.92   12,708.00    1,641.87   14,155.92    1,828.94
    1994....................       13.78    6,024.00      830.11    9,966.84    1,373.43   16,344.96    2,252.34
    1996....................       18.88    6,691.32    1,263.32    9,680.88    1,827.75   14,017.44    2,646.49
                             -------------                                                                      
      Totals................      100.00  ..........    6,797.44  ..........    9,701.64  ..........   14,405.10
                             =============                                                                      
St. Thomas, VI:                                                                                                 
    1986....................        6.31    7,916.40      499.52   10,016.52      632.04   11,955.24      754.38
    1987....................        6.77   10,231.80      692.69   12,946.44      876.47   15,452.28    1,046.12
    1988....................        8.19   11,961.12      979.62   15,134.40    1,239.51   18,063.60    1,479.41
    1989....................        7.03   12,301.20      864.77   15,564.84    1,094.21   18,577.32    1,305.99
    1990....................        7.72   11,422.08      881.78   14,452.32    1,115.72   17,249.64    1,331.67
    1991....................        8.32   10,916.64      908.26   15,544.80    1,293.33   18,134.28    1,508.77
    1992....................       10.08    9,959.04    1,003.87   14,181.24    1,429.47   16,543.56    1,667.59
    1993....................       12.92   10,074.00    1,301.56   14,339.88    1,852.71   16,728.48    2,161.32
    1994....................       13.78    8,290.44    1,142.42   14,798.52    2,039.24   15,204.60    2,095.19
    1996....................       18.88    9,987.00    1,885.55   14,273.16    2,694.77   13,588.08    2,565.43
                             -------------                                                                      
      Totals................      100.00  ..........   10,160.04  ..........   14,267.47  ..........   15,915.87
                             =============                                                                      
Washington, DC (DC):                                                                                            
    1986....................        6.31    5,572.56      351.63    8,534.88      538.55   14,921.04      941.52
    1987....................        6.77    6,068.52      410.84    9,722.16      658.19   16,114.68    1,090.96
    1988....................        8.19    6,702.60      548.94   11,136.48      912.08   17,765.88    1,455.03
    1989....................        7.03    6,701.52      471.12   11,474.40      806.65   17,829.00    1,253.38
    1990....................        7.72    7,325.52      565.53   11,751.84      907.24   19,671.24    1,518.62
    1991....................        8.32    7,116.12      592.06   11,416.08      949.82   19,112.40    1,590.15
    1992....................       10.08    6,589.32      664.20    9,233.04      930.69   17,500.56    1,764.06
    1993....................       12.92    6,190.80      799.85    7,626.48      985.34   19,000.56    2,454.87
    1994....................       13.78    6,170.04      850.23    7,851.72    1,081.97   22,922.64    3,158.74
    1996....................       18.88    4,972.20      938.75    7,503.12    1,416.59   19,743.24    3,727.52
                             -------------                                                                      
      Totals................      100.00  ..........    6,193.15  ..........    9,187.12  ..........   18,954.85
                             =============                                                                      
Washington, DC (MD):                                                                                            
    1986....................        6.31    5,164.08      325.85    7,996.56      504.58    9,514.44      600.36
    1987....................        6.77    5,621.64      380.59    8,705.04      589.33   10,357.56      701.21
    1988....................        8.19    6,370.68      521.76    9,865.20      807.96   11,737.80      961.33
    1989....................        7.03    6,854.04      481.84   10,613.64      746.14   12,628.44      887.78
    1990....................        7.72    7,460.28      575.93   11,552.28      891.84   13,745.28    1,061.14
    1991....................        8.32    7,059.48      587.35   10,931.88      909.53   12,835.80    1,067.94

[[Page 14251]]

                                                                                                                
    1992....................       10.08    7,559.28      761.98    9,512.28      958.84   15,053.64    1,517.41
    1993....................       12.92    6,143.52      793.74    7,884.36    1,018.66   13,543.68    1,749.84
    1994....................       13.78    6,831.24      941.34   12,567.72    1,731.83   16,073.40    2,214.91
    1996....................       18.88    6,912.12    1,305.01   14,083.80    2,659.02   14,206.80    2,682.24
                             -------------                                                                      
      Totals................      100.00  ..........    6,675.39  ..........   10,817.73  ..........   13,444.16
                             =============                                                                      
Washington, DC (VA):                                                                                            
    1986....................        6.31    6,095.52      384.63    6,878.16      434.01   11,404.20      719.61
    1987....................        6.77    6,515.04      441.07    7,351.44      497.69   12,189.00      825.20
    1988....................        8.19    7,324.92      599.91    8,265.36      676.93   13,704.36    1,122.39
    1989....................        7.03    7,271.88      511.21    8,205.60      576.85   13,605.24      956.45
    1990....................        7.72    8,196.60      632.78    9,249.00      714.02   15,335.28    1,183.88
    1991....................        8.32    7,947.48      661.23    9,037.44      751.92   14,364.60    1,195.13
    1992....................       10.08    7,219.56      727.73    9,110.04      918.29   13,184.52    1,329.00
    1993....................       12.92    6,370.44      823.06    8,516.40    1,100.32   12,196.92    1,575.84
    1994....................       13.78    7,490.88    1,032.24   12,618.72    1,738.86   17,152.44    2,363.61
    1996....................       18.88    6,976.80    1,317.22   10,914.84    2,060.72   13,326.60    2,516.06
                             -------------                                                                      
      Totals................      100.00  ..........    7,131.08  ..........    9,469.61  ..........   13,787.17
----------------------------------------------------------------------------------------------------------------


                                                        Appendix 12.--Summary of Rental Analyses                                                        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                 1996 Data medians                                      
                                                         -----------------------------------------------------------------------------------------------
                                                                       B&NB                          Non-Brkr                         Broker            
                                                         -----------------------------------------------------------------------------------------------
                                                                 #               $               #               $               #               $      
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                                                          
    Low.................................................             126            $525             117            $550               9            $500
    Middle..............................................             216             650             207             650               9             650
    High................................................             143           1,013             113           1,000              30           1,025
Fairbanks, AK:                                                                                                                                          
    Low.................................................             106             531              98             525               8             537
    Middle..............................................             173             672             165             650               8             694
    High................................................             216             866             198             850              18             882
Juneau, AK:                                                                                                                                             
    Low.................................................              43             725              34             750               9             700
    Middle..............................................              58             875              49             900               9             850
    High................................................              83           1,238              65           1,250              18           1,225
Nome, AK:                                                                                                                                               
    Low.................................................               6             638               2             625               4             650
    Middle..............................................               8             869               4             875               4             863
    High................................................              10             994               4           1,000               6             988
Honolulu, HI:                                                                                                                                           
    Low.................................................             226             775             208             750              18             800
    Middle..............................................             125             948             107             895              18           1,000
    High................................................             333           1,263             297           1,150              36           1,375
Hilo, HI:                                                                                                                                               
    Low.................................................              40             463              31             400               9             525
    Middle..............................................              40             575              31             475               9             675
    High................................................             147             713             129             650              18             775
Kailua Kona, HI:                                                                                                                                        
    Low.................................................             125             664             116             625               9             703
    Middle..............................................             104             730              95             635               9             825
    High................................................             142           1,029             124             990              18           1,068
Kauai, HI:                                                                                                                                              
    Low.................................................              48             563              39             525               9             600
    Middle..............................................              30             688              21             625               9             750
    High................................................             392             881             374             800              18             963
Maui, HI:                                                                                                                                               
    Low.................................................             155             650             146             650               9             650
    Middle..............................................             134             763             125             725               9             800
    High................................................             555             950             537             900              18           1,000
Guam:                                                                                                                                                   
    Low.................................................              51             650              42             600               9             700
    Middle..............................................             103             888              94             750               9           1,025
    High................................................             153           1,075             135           1,000              18           1,150
Puerto Rico:                                                                                                                                            
    Low.................................................              30             593              12             499              18             688

[[Page 14252]]

                                                                                                                                                        
    Middle..............................................              40             966              22             808              18           1,125
    High................................................              53           1,525              19           1,550              34           1,500
St. Croix, VI:                                                                                                                                          
    Low.................................................              37             525              28             450               9             600
    Middle..............................................              36             700              27             600               9             800
    High................................................              47             925              29             650              18           1,200
St. Thomas, VI:                                                                                                                                         
    Low.................................................              39             775              30             700               9             850
    Middle..............................................              34             975              25             850               9           1,100
    High................................................              28           1,463              10           1,400              18           1,525
Washington, DC (DC)                                                                                                                                     
    Low.................................................             253             438             244             425               9             450
    Middle..............................................             186             573             177             595               9             550
    High................................................             140           1,275             122           1,000              18           1,550
Washington, DC (MD)                                                                                                                                     
    Low.................................................              77             545              68             540               9             550
    Middle..............................................             127             678             118             655               9             700
    High................................................             120           1,113             102           1,075              18           1,150
Washington, DC (VA)                                                                                                                                     
    Low.................................................              42             628              33             605               9             650
    Middle..............................................             226             862             217             823               9             900
    High................................................             157           1,188             139           1,125              18           1,250
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                                           Appendix 13--Housing Cost Analysis                                                           
                                                                      [1996 Survey]                                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs                                         
                                                         -----------------------------------------------------------------------------------------------
                                                                   Lower income                    Middle income                   Upper income         
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                                                          
    Maintenance.........................................            $317  ..............            $373  ..............            $429  ..............
    Insurance...........................................             286            $101             316            $101             359            $109
    Utilities...........................................           2,226           1,955           2,565           2,226           2,903           2,384
    Real estate taxes...................................           1,509  ..............           1,850  ..............           2,439  ..............
    Housing.............................................           5,725           6,300           7,752           7,800           9,823          12,156
                                                         -----------------                                                                              
        Total annual cost...............................          10,063           8,356          12,856          10,127          15,953          14,649
                                                         =================                                                                              
Fairbanks, AK:                                                                                                                                          
    Maintenance.........................................             375  ..............             442  ..............             508  ..............
    Insurance...........................................             260             120             282             120             306             131
    Utilities...........................................           2,651           2,325           3,057           2,651           3,464           2,840
    Real estate taxes...................................           1,110  ..............           1,398  ..............           1,854  ..............
    Housing.............................................           5,213           6,372           7,249           8,064           9,178          10,392
                                                         -----------------                                                                              
        Total annual cost...............................           9,609           8,817          12,428          10,835          15,310          13,363
                                                         =================                                                                              
Juneau, AK:                                                                                                                                             
    Maintenance.........................................             366  ..............             431  ..............             496  ..............
    Insurance...........................................             266             123             271             123             311             129
    Utilities...........................................           2,563           2,246           2,959           2,563           3,355           2,748
    Real estate taxes...................................           1,344  ..............           1,812  ..............           2,139  ..............
    Housing.............................................           6,926           8,700           8,787          10,500          10,552          14,856
                                                         -----------------                                                                              
        Total annual cost...............................          11,465          11,069          14,260          13,186          16,853          17,733
                                                         =================                                                                              
Nome, AK:                                                                                                                                               
    Maintenance.........................................             379  ..............             446  ..............             513  ..............
    Insurance...........................................             337             147             423             147             473             154
    Utilities...........................................           3,687           3,210           4,284           3,687           4,882           3,966
    Real estate taxes...................................             878  ..............           1,269  ..............           1,659  ..............
    Housing.............................................           5,852           7,656           8,068          10,428           9,897          11,928
                                                         -----------------                                                                              
        Total annual cost...............................          11,133          11,013          14,490          14,262          17,424          16,048
                                                         =================                                                                              

[[Page 14253]]

                                                                                                                                                        
Honolulu, HI:                                                                                                                                           
    Maintenance.........................................             422  ..............             497  ..............             571  ..............
    Insurance...........................................             694             397             971             399           1,325             466
    Utilities...........................................           1,768           1,576           2,008           1,768           2,247           1,880
    Real estate taxes...................................             678  ..............             974  ..............           1,222  ..............
    Housing.............................................          14,509           9,300          21,333          11,376          25,102          15,156
                                                         -----------------                                                                              
        Total annual cost...............................          18,071          11,273          25,783          13,543          30,467          17,502
                                                         =================                                                                              
Hilo, HI:                                                                                                                                               
    Maintenance.........................................             458  ..............             539  ..............             619  ..............
    Insurance...........................................             781             579             808             579             821             732
    Utilities...........................................           1,956           1,735           2,232           1,956           2,507           2,085
    Real estate taxes...................................             332  ..............             545  ..............             695  ..............
    Housing.............................................           7,596           5,556          10,481           6,900          12,663           8,556
                                                         -----------------                                                                              
        Total annual cost...............................          11,123           7,870          14,605           9,435          17,305          11,373
                                                         =================                                                                              
Kailua Kona, HI:                                                                                                                                        
    Maintenance.........................................             425  ..............             500  ..............             574  ..............
    Insurance...........................................             786             625             817             625             874             732
    Utilities...........................................           1,956           1,735           2,232           1,956           2,507           2,085
    Real estate taxes...................................             499  ..............             782  ..............             819  ..............
    Housing.............................................          10,126           7,968          13,962           8,760          16,133          12,348
                                                         -----------------                                                                              
        Total annual cost...............................          13,792          10,328          18,293          11,341          20,907          15,165
                                                         =================                                                                              
Kauai County, HI:                                                                                                                                       
    Maintenance.........................................             369  ..............             434  ..............             499  ..............
    Insurance...........................................             811             579           1,006             579           1,279             705
    Utilities...........................................           1,988           1,761           2,270           1,988           2,553           2,119
    Real estate taxes...................................             462  ..............             675  ..............             793  ..............
    Housing.............................................          11,050           6,756          14,586           8,256          17,567          10,572
                                                         -----------------                                                                              
        Total annual cost...............................          14,680           9,096          18,971          10,823          22,691          13,396
                                                         =================                                                                              
Maui County, HI:                                                                                                                                        
    Maintenance.........................................             463  ..............             544  ..............             626  ..............
    Insurance...........................................             597             610             778             610             854             732
    Utilities...........................................           1,671           1,489           1,898           1,671           2,124           1,777
    Real estate taxes...................................             490  ..............             737  ..............             835  ..............
    Housing.............................................          12,749           7,800          17,249           9,156          20,665          11,400
                                                         -----------------                                                                              
        Total annual cost...............................          15,970           9,899          21,206          11,437          25,104          13,909
                                                         =================                                                                              
Guam:                                                                                                                                                   
    Maintenance.........................................             553  ..............             650  ..............             748  ..............
    Insurance...........................................           1,398             388           1,930             386           2,320             459
    Utilities...........................................           1,962           1,785           2,184           1,962           2,406           2,066
    Real estate taxes...................................             391  ..............             527  ..............             741  ..............
    Housing.............................................           9,126           7,800          11,892          10,656          19,143          12,900
                                                         -----------------                                                                              
        Total annual cost...............................          13,430           9,973          17,183          13,004          25,358          15,425
                                                         =================                                                                              
Puerto Rico:                                                                                                                                            
    Maintenance.........................................             167  ..............             197  ..............             227  ..............
    Insurance...........................................             402             239             614             239           1,001             273
    Utilities...........................................           1,075             975           1,201           1,075           1,326           1,134
    Real estate taxes...................................               0  ..............               9  ..............             627  ..............
    Housing.............................................           5,194           7,116           6,988          11,592          10,629          18,300
                                                         -----------------                                                                              
        Total annual cost...............................           6,838           8,330           9,009          12,906          13,810          19,707
                                                         =================                                                                              
St. Croix, VI:                                                                                                                                          
    Maintenance.........................................             343  ..............             404  ..............             464  ..............
    Insurance...........................................           1,838             850           2,632             850           3,617           1,020
    Utilities...........................................           1,881           1,665           2,151           1,881           2,420           2,007
    Real estate taxes...................................             393  ..............             773  ..............           1,388  ..............

[[Page 14254]]

                                                                                                                                                        
    Housing.............................................           6,797           6,300           9,702           8,400          14,405          11,100
                                                         -----------------                                                                              
        Total annual cost...............................          11,252           8,815          15,662          11,131          22,294          14,127
                                                         =================                                                                              
St. Thomas, VI:                                                                                                                                         
    Maintenance.........................................             310  ..............             365  ..............             420  ..............
    Insurance...........................................           2,684             625           3,717             625           3,803           1,020
    Utilities...........................................           1,881           1,665           2,151           1,881           2,420           2,007
    Real estate taxes...................................             612  ..............           1,239  ..............           1,278  ..............
    Housing.............................................          10,160           9,300          14,267          11,700          15,916          17,556
                                                         -----------------                                                                              
        Total annual cost...............................          15,647          11,590          21,739          14,206          23,837          20,583
                                                         =================                                                                              
Washington, DC (DC):                                                                                                                                    
    Maintenance.........................................             329  ..............             387  ..............             445  ..............
    Insurance...........................................             199             107             274             107             685             125
    Utilities...........................................           2,037           1,795           2,341           2,037           2,644           2,179
    Real estate taxes...................................             474  ..............             722  ..............           2,851  ..............
    Housing.............................................           6,193           5,256           9,187           6,876          18,955          15,300
                                                         -----------------                                                                              
        Total annual cost...............................           9,232           7,158          12,911           9,020          25,580          17,604
                                                         =================                                                                              
Washington, DC (MD):                                                                                                                                    
    Maintenance.........................................             329  ..............             387  ..............             445  ..............
    Insurance...........................................             227              96             225              96             238             105
    Utilities...........................................           1,855           1,645           2,118           1,855           2,382           1,978
    Real estate taxes...................................           1,237  ..............           1,811  ..............           2,758  ..............
    Housing.............................................           6,675           6,540          10,818           8,136          13,444          13,356
                                                         -----------------                                                                              
        Total annual cost...............................          10,323           8,281          15,359          10,087          19,267          15,439
                                                         =================                                                                              
Washington, DC (VA):                                                                                                                                    
    Maintenance.........................................             329  ..............             387  ..............             445  ..............
    Insurance...........................................             175              92             202              91             228             104
    Utilities...........................................           2,062           1,821           2,363           2,062           2,664           2,202
    Real estate taxes...................................           1,369  ..............           1,964  ..............           2,718  ..............
    Housing.............................................           7,131           7,536           9,470          10,344          13,787          14,256
                                                         -----------------                                                                              
        Total annual cost...............................          11,066           9,449          14,386          12,497          19,842          16,562
--------------------------------------------------------------------------------------------------------------------------------------------------------


                                        Housing Cost Analysis--Composites                                       
                                                  [1996 Survey]                                                 
----------------------------------------------------------------------------------------------------------------
                                                                          Annual costs                          
                                               -----------------------------------------------------------------
              Location                Weights       Lower income          Middle income         Upper income    
                                               -----------------------------------------------------------------
                                                  Owner      Renter     Owner      Renter     Owner      Renter 
----------------------------------------------------------------------------------------------------------------
Hilo, HI...........................      82.88    $11,123     $7,870    $14,605     $9,435    $17,305    $11,373
Kailua Kona, HI....................      17.12     13,792     10,328     18,293     11,341     20,907     15,165
                                    ------------                                                                
    Total weight...................     100.00  .........  .........  .........  .........  .........  .........
                                    ------------                                                                
     Hawaii County, HI.............  .........     11,580      8,291     15,236      9,761     17,922     12,022
                                    ============                                                                
St. Croix, VI......................      46.42     11,252      8,815     15,662     11,131     22,294     14,127
St. Thomas, VI.....................      53.58     15,647     11,590     21,739     14,206     23,837     20,583
                                    ------------                                                                
    Total weight...................     100.00  .........  .........  .........  .........  .........  .........
                                    ------------                                                                
     Virgin Islands................  .........     13,607     10,302     18,918     12,779     23,121     17,586
                                    ============                                                                
Washington, DC, DC.................      33.34      9,232      7,158     12,911      9,020     25,580     17,604
Washington, DC, MD.................      33.33     10,323      8,281     15,359     10,087     19,267     15,439
Washington, DC, VA.................      33.33     11,066      9,449     14,386     12,497     19,842     16,562
                                    ------------                                                                

[[Page 14255]]

                                                                                                                
    Total weight...................     100.00  .........  .........  .........  .........  .........  .........
                                    ------------                                                                
     DC area.......................  .........     10,207      8,296     14,219     10,535     21,563     16,535
----------------------------------------------------------------------------------------------------------------


                                                              Appendix 14--Housing Analysis                                                             
                                                                      [1996 Survey]                                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters                   
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual    Total cost DC                
                                                               cost            area            Index           cost            area            Index    
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                                                          
    Lower income........................................         $10,063         $10,207           98.59          $8,356          $8,296          100.72
    Middle income.......................................          12,856          14,219           90.41          10,127          10,535           96.13
    Upper income........................................          15,953          21,563           73.98          14,649          16,535           88.59
                                                         -----------------                                                                              
Fairbanks, AK:                                                                                                                                          
    Lower income........................................           9,609          10,207           94.14           8,817           8,296          106.28
    Middle income.......................................          12,428          14,219           87.40          10,835          10,535          102.85
    Upper income........................................          15,310          21,563           71.00          13,363          16,535           80.82
                                                         -----------------                                                                              
Juneau, AK:                                                                                                                                             
    Lower income........................................          11,465          10,207          112.32          11,069           8,296          133.43
    Middle income.......................................          14,260          14,219          100.29          13,186          10,535          125.16
    Upper income........................................          16,853          21,563           78.16          17,733          16,535          107.25
                                                         -----------------                                                                              
Nome, AK:                                                                                                                                               
    Lower income........................................          11,133          10,207          109.07          11,013           8,296          132.75
    Middle income.......................................          14,490          14,219          101.91          14,262          10,535          135.38
    Upper income........................................          17,424          21,563           80.81          16,048          16,535           97.05
                                                         -----------------                                                                              
Honolulu, HI:                                                                                                                                           
    Lower income........................................          18,071          10,207          177.05          11,273           8,296          135.88
    Middle income.......................................          25,783          14,219          181.33          13,543          10,535          128.55
    Upper income........................................          30,467          21,563          141.29          17,502          16,535          105.85
                                                         -----------------                                                                              
Hawaii County, HI:                                                                                                                                      
    Lower income........................................          11,580          10,207          113.45           8,291           8,296           99.94
    Middle income.......................................          15,236          14,219          107.15           9,761          10,535           92.65
    Upper income........................................          17,922          21,563           83.11          12,022          16,535           72.71
                                                         -----------------                                                                              
Kauai County, HI:                                                                                                                                       
    Lower income........................................          14,680          10,207          143.82           9,096           8,296          109.64
    Middle income.......................................          18,971          14,219          133.42          10,823          10,535          102.73
    Upper income........................................          22,691          21,563          105.23          13,396          16,535           81.02
                                                         -----------------                                                                              
Maui County, HI:                                                                                                                                        
    Lower income........................................          15,970          10,207          156.46           9,899           8,296          119.32
    Middle income.......................................          21,206          14,219          149.14          11,437          10,535          108.56
    Upper income........................................          25,104          21,563          116.42          13,909          16,535           84.12
                                                         -----------------                                                                              
Guam:                                                                                                                                                   
    Lower income........................................          13,430          10,207          131.58           9,973           8,296          120.21
    Middle income.......................................          17,183          14,219          120.85          13,004          10,535          123.44
    Upper income........................................          25,358          21,563          117.60          15,425          16,535           93.29
                                                         -----------------                                                                              
Puerto Rico:                                                                                                                                            
    Lower income........................................           6,838          10,207           66.99           8,330           8,296          100.41
    Middle income.......................................           9,009          14,219           63.36          12,906          10,535          122.51
    Upper income........................................          13,810          21,563           64.04          19,707          16,535          119.18
                                                         -----------------                                                                              
Virgin Islands:                                                                                                                                         
    Lower income........................................          13,607          10,207          133.31          10,302           8,296          124.18
    Middle income.......................................          18,918          14,219          133.05          12,779          10,535          121.30
    Upper income........................................          23,121          21,563          107.23          17,586          16,535          106.36
--------------------------------------------------------------------------------------------------------------------------------------------------------


[[Page 14256]]


                                Appendix 15--Private Transportation Cost Analysis                               
                                                  [1996 Survey]                                                 
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs                 
                                                                 -----------------------------------------------
                                                                    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 
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                  
    Fuel........................................................          $1,016          $1,524          $1,905
    Maintenance/oil.............................................             921             917             859
    Tires.......................................................              94             124             129
    License and registration....................................              38              38              38
    Miscellaneous tax...........................................              50              50              50
    Depreciation................................................           1,975           3,430           2,753
    Finance expense.............................................             614             845             934
    Insurance...................................................           1,401           1,146           1,349
                                                                 -----------------                              
        Total annual cost.......................................           6,109           8,074           8,017
                                                                 =================                              
Fairbanks, AK:                                                                                                  
    Fuel........................................................             971           1,456           1,820
    Maintenance/oil.............................................             817             760             797
    Tires.......................................................             103             135             139
    License and registration....................................              38              38              38
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,782           3,622           2,657
    Finance expense.............................................             787             936             962
    Insurance...................................................           1,307           1,103           1,461
                                                                 -----------------                              
        Total annual cost.......................................           6,805           8,050           7,874
                                                                 =================                              
Juneau, AK:                                                                                                     
    Fuel........................................................             926           1,388           1,735
    Maintenance/oil.............................................             850             786             827
    Tires.......................................................             106             138             131
    License and registration....................................              38              38              38
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,373           3,195           2,554
    Finance expense.............................................             695             830             927
    Insurance...................................................             831             730           1,056
                                                                 -----------------                              
        Total annual cost.......................................           5,819           7,105           7,268
                                                                 =================                              
Nome, AK:                                                                                                       
    Fuel........................................................           1,300           1,950           2,438
    Maintenance/oil.............................................             749             746             822
    Tires.......................................................             128             177             166
    License and registration....................................              38              38              38
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,710           4,242           3,736
    Finance expense.............................................             650             877             966
    Insurance...................................................           1,001             937           1,251
                                                                 -----------------                              
        Total annual cost.......................................           6,576           8,967           9,417
                                                                 =================                              
Honolulu, HI:                                                                                                   
    Fuel........................................................             805           1,208           1,510
    Maintenance/oil.............................................             413             447             475
    Tires.......................................................             111             134             164
    License and registration....................................              81              96             110
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,432           3,087           2,983
    Finance expense.............................................             792             913           1,121
    Insurance...................................................           2,100           2,150           2,608
                                                                 -----------------                              
        Total annual cost.......................................           6,734           8,035           8,971
                                                                 =================                              
Hilo, HI:                                                                                                       
    Fuel........................................................             846           1,269           1,586
    Maintenance/oil.............................................             470             473             509
    Tires.......................................................             109             156             128
    License and registration....................................              51              65              74
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,635           3,105           3,534
    Finance expense.............................................             823             909           1,212

[[Page 14257]]

                                                                                                                
    Insurance...................................................           2,349           2,064           2,410
                                                                 -----------------                              
        Total annual cost.......................................           7,283           8,041           9,453
                                                                 =================                              
Kailua Kona, HI:                                                                                                
    Fuel........................................................             925           1,387           1,734
    Maintenance/oil.............................................             498             449             477
    Tires.......................................................              86             164             105
    License and registration....................................              51              65              74
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,747           3,212           3,456
    Finance expense.............................................             900             992           1,279
    Insurance...................................................           2,348           2,064           2,421
                                                                 -----------------                              
        Total annual cost.......................................           7,555           8,333           9,546
                                                                 =================                              
Kauai, HI:                                                                                                      
    Fuel........................................................             856           1,284           1,606
    Maintenance/oil.............................................             524             491             519
    Tires.......................................................             104             155             159
    License and registration....................................              54              66              76
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,934           4,005           4,500
    Finance expense.............................................             914           1,118           1,446
    Insurance...................................................           2,278           2,165           2,116
                                                                 -----------------                              
        Total annual cost.......................................           7,664           9,284          10,422
                                                                 =================                              
Maui, HI:                                                                                                       
    Fuel........................................................             875           1,313           1,641
    Maintenance/oil.............................................             557             532             560
    Tires.......................................................             104             151             123
    License and registration....................................              64              75              86
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,155           3,241           3,863
    Finance expense.............................................             735             934           1,271
    Insurance...................................................           2,168           1,895           2,250
                                                                 -----------------                              
        Total annual cost.......................................           6,658           8,141           9,794
                                                                 =================                              
Guam:                                                                                                           
    Fuel........................................................             789           1,184           1,480
    Maintenance/oil.............................................             515             555             573
    Tires.......................................................              91             143             132
    License and registration....................................              24              28              30
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,979           4,435           3,694
    Finance expense.............................................             877           1,141           1,230
    Insurance...................................................           1,504           1,895           1,952
                                                                 -----------------                              
        Total annual cost.......................................           6,779           9,381           9,091
                                                                 =================                              
Puerto Rico:                                                                                                    
    Fuel........................................................             605             907           1,134
    Maintenance/oil.............................................             337             323             346
    Tires.......................................................              90             128             105
    License and registration....................................              88              88             100
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,680           3,891           3,406
    Finance expense.............................................           1,063           1,346           1,521
    Insurance...................................................           1,788           1,942           2,173
                                                                 -----------------                              
        Total annual cost.......................................           6,651           8,625           8,785
                                                                 =================                              
St. Croix, VI:                                                                                                  
    Fuel........................................................             553             830           1,037
    Maintenance/oil.............................................             366             396             444
    Tires.......................................................             128             191             177

[[Page 14258]]

                                                                                                                
    License and registration....................................              50              59              71
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,486           3,956           4,907
    Finance expense.............................................             904           1,209           1,661
    Insurance...................................................           1,943           2,854           3,473
                                                                 -----------------                              
        Total annual cost.......................................           6,430           9,495          11,770
                                                                 =================                              
St. Thomas, VI:                                                                                                 
    Fuel........................................................             777           1,165           1,457
    Maintenance/oil.............................................             430             457             497
    Tires.......................................................              85             127              97
    License and registration....................................              50              59              71
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,886           3,956           3,113
    Finance expense.............................................             846           1,036           1,106
    Insurance...................................................           1,565           2,451           2,511
                                                                 -----------------                              
        Total annual cost.......................................           6,639           9,251           8,852
                                                                 =================                              
Washington, DC (DC):                                                                                            
    Fuel........................................................             612             918           1,147
    Maintenance/oil.............................................             294             309             260
    Tires.......................................................              76              91             114
    License and registration....................................              74              74             107
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,452           3,163           3,166
    Finance expense.............................................             671             781             973
    Insurance...................................................           1,421           1,348           1,596
                                                                 -----------------                              
        Total annual cost.......................................           5,600           6,684           7,363
                                                                 =================                              
Washington, DC (MD):                                                                                            
    Fuel........................................................             614             922           1,152
    Maintenance/oil.............................................             286             253             257
    Tires.......................................................              78              86              98
    License and registration....................................              85              85             112
    Miscellaneous tax...........................................               0               0               0
    Depreciation................................................           2,106           3,127           2,773
    Finance expense.............................................             598             751             883
    Insurance...................................................           1,413           1,243           1,496
                                                                 -----------------                              
        Total annual cost.......................................           5,180           6,467           6,771
                                                                 =================                              
Washington, DC (VA):                                                                                            
    Fuel........................................................             568             852           1,065
    Maintenance/oil.............................................             302             309             288
    Tires.......................................................              76              92              98
    License and registration....................................              48              53              53
    Miscellaneous tax...........................................             391             419             609
    Depreciation................................................           2,216           3,159           2,485
    Finance expense.............................................             645             795             883
    Insurance...................................................             755             678             758
                                                                 -----------------                              
        Total annual cost.......................................           5,001           6,357           6,239
----------------------------------------------------------------------------------------------------------------


                                Private Transportation Cost Analysis--Composites                                
                                                  [1996 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........................................           82.88          $7,283          $8,041          $9,453

[[Page 14259]]

                                                                                                                
Kailua Kona, HI.................................           17.12           7,555           8,333           9,546
                                                 -----------------                                              
    Total weight................................          100.00  ..............  ..............  ..............
                                                 -----------------                                              
     Hawaii County, HI..........................  ..............           7,330           8,091           9,469
                                                 =================                                              
St. Croix, VI...................................           46.42           6,430           9,495          11,770
St. Thomas, VI..................................           53.58           6,639           9,251           8,852
                                                 -----------------                                              
    Total weight................................          100.00  ..............  ..............  ..............
                                                 -----------------                                              
     Virgin Islands.............................  ..............           6,542           9,364          10,207
                                                 =================                                              
Washington, DC, DC..............................           33.34           5,600           6,684           7,363
Washington, DC, MD..............................           33.33           5,180           6,467           6,771
Washington, DC, VA..............................           33.33           5,001           6,357           6,239
                                                 -----------------                                              
    Total weight................................          100.00  ..............  ..............  ..............
                                                 -----------------                                              
     DC area....................................  ..............           5,260           6,503           6,791
----------------------------------------------------------------------------------------------------------------


                                      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 100/300......................     121.50     121.50     121.50  BI 100/300.........     323.74     313.74     307.20                                 
PD 25...........................      81.00      81.00      81.00  PD 25..............     129.26     125.26     123.06  .........  .........  .........
Med/PIP.........................      25.00      25.00      25.00  Med/PIP............  .........  .........  .........  .........  .........  .........
UM 15/30........................       8.00       8.00       8.00  UM 100/300.........  .........  .........  .........  .........  .........  .........
CM 100..........................     375.00     489.50     515.00  CM 100.............     266.06     250.66     380.34  .........  .........  .........
CL 200..........................     793.50   1,024.50   1,076.50  CL 250.............     591.40     545.14     671.06  .........  .........  .........
                                 ---------------------------------                     ------------                                                     
      Totals*...................   1,371.00   1,716.50   1,794.00      Totals*........   1,310.46   1,234.80   1,481.66     104.62     139.01     121.08
                                                                            MD                                                                          
                                                                   BI 100/300.........     351.50     344.93     333.98                                 
                                                                   PD 25..............     135.60     133.44     128.72  .........  .........  .........
                                                                   Med/PIP............  .........  .........  .........  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     218.80     151.87     264.47  .........  .........  .........
                                                                   CL 250.............     458.63     355.60     469.46  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals*........   1,164.53     985.84   1,196.63     117.73     174.12     149.92
                                                                            VA                                                                          
                                                                   BI 100/300.........     210.58     211.92     199.12                                 
                                                                   PD 25..............      86.75      87.35      81.20  .........  .........  .........
                                                                   Med/PIP............  .........  .........  .........  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     115.07      82.87     151.60  .........  .........  .........
                                                                   CL 250.............     249.53     206.15     284.45  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals*........     661.93     588.29     716.37     207.12     291.78     250.43


--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     121.50     121.50     121.50  BI 100/300.........     323.74     313.74     307.20  .........  .........  .........
PD 25...........................      81.00      81.00      81.00  PD 25..............     129.26     125.26     123.06  .........  .........  .........
Med/PIP.........................      25.00      25.00      25.00  Med/PIP............      39.26      41.74      43.14  .........  .........  .........
UM 100/300......................     108.07     153.69     132.53  UM 100/300.........      71.14      71.14      71.14      74.43      98.89      86.14
CM 100..........................     375.00     489.50     515.00  CM 100.............     266.06     250.66     380.34  .........  .........  .........
CL 200..........................     793.50   1,024.50   1,076.50  CL 250.............     591.40     545.14     671.06  .........  .........  .........
                                 ---------------------------------                     ------------                                                     
      Totals**..................   1,504.07   1,895.19   1,951.53      Totals**.......   1,420.86   1,347.68   1,595.94  .........  .........  .........

[[Page 14260]]

                                                                                                                                                        
                                                                            MD                                                                          
                                                                   BI 100/300.........     351.50     344.93     333.98  .........  .........  .........
                                                                   PD 25..............     135.60     133.44     128.72  .........  .........  .........
                                                                   Med/PIP............      94.71      97.24     124.94  .........  .........  .........
                                                                   UM 100/300.........     124.70     124.70     124.70     146.81     217.13     186.95
                                                                   CM 100.............     218.80     151.87     264.47  .........  .........  .........
                                                                   CL 250.............     458.63     355.60     469.46  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals**.......   1,383.94   1,207.78   1,446.27  .........  .........  .........
                                                                            VA                                                                          
                                                                   BI 100/300.........     210.58     211.92     199.12  .........  .........  .........
                                                                   PD 25..............      86.75      87.35      81.20  .........  .........  .........
                                                                   Med/PIP............      36.78      39.18      41.77  .........  .........  .........
                                                                   UM 100/300.........      49.71      49.71      49.71     102.96     145.04     124.49
                                                                   CM 100.............     115.07      82.87     151.60  .........  .........  .........
                                                                   CL 250.............     249.53     206.15     284.45  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals**.......     748.42     677.18     807.85  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and reference area, except for Uninsured Motorist (UM), for which equivalent coverage could   
  not be priced. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical or Personal Injury Protection and  
  Uninsured Motorist premiums where applicable) for each area were compared to derive indexes that were used to adjust reference area UM premiums for   
  each of the reference area survey locations. These values were then averaged and used as the adjusted allowance area UM premium.                      
*Less Med/PIP and UM                                                                                                                                    
**Including Med/PIP and UM                                                                                                                              


                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments                                            
                                                                 [Location: Puerto Rico]                                                                
--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--original values                              Reference area--special limits                         Indexes            
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     250.34     250.34     250.34  BI 100/300.........     323.74     313.74     307.20  .........  .........  .........
PD 25...........................     110.10     110.10     110.10  PD 25..............     129.26     125.26     123.06  .........  .........  .........
Med/PIP.........................       6.04       6.04       6.04  Med/PIP............  .........  .........  .........                                 
UM 100/300......................  .........  .........  .........  UM 100/300.........  .........  .........  .........  .........  .........  .........
CM 100..........................     915.84   1,017.77   1,213.20  CM 100.............     266.06     250.66     380.34  .........  .........  .........
CL 250..........................     375.68     398.54     443.86  CL 250.............     591.40     545.14     671.06  .........  .........  .........
                                 ---------------------------------                     ------------                                                     
      Totals*...................   1,651.96   1,776.75   2,017.50      Totals*........   1,310.46   1,234.80   1,481.66     126.06     143.89     136.16
                                                                            MD                                                                          
                                                                   BI 100/300.........     351.50     344.93     333.98  .........  .........  .........
                                                                   PD 25..............     135.60     133.44     128.72  .........  .........  .........
                                                                   Med/pip............  .........  .........  .........                                 
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     218.80     151.87     264.47  .........  .........  .........
                                                                   CL 250.............     458.63     355.60     469.46  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals*........   1,164.53     985.84   1,196.63     141.86     180.23     168.60
                                                                            VA                                                                          
                                                                   BI 100/300.........     210.58     211.92     199.12  .........  .........  .........
                                                                   PD 25..............      86.75      87.35      81.20  .........  .........  .........
                                                                   Med/PIP............  .........  .........  .........                                 
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     115.07      82.87     151.60  .........  .........  .........
                                                                   CL 250.............     249.53     206.15     284.45  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals*........     661.93     588.29     716.37     249.57     302.02     281.63


--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     250.34     250.34     250.34  BI 100/300.........     323.74     313.74     307.20  .........  .........  .........
PD 25...........................     110.10     110.10     110.10  PD 25..............     129.26     125.26     123.06  .........  .........  .........
Med/PIP.........................       6.04       6.04       6.04  Med/PIP............      39.26      41.74      43.14  .........  .........  .........
UM 100/300......................     130.21     159.08     149.03  UM 100/300.........      71.14      71.14      71.14      89.68     102.36      96.86
CM 100..........................     915.84   1,017.77   1,213.20  CM 100.............     266.06     250.66     380.34  .........  .........  .........
CL 250..........................     375.68     398.54     443.86  CL 250.............     591.40     545.14     671.06  .........  .........  .........
                                 ---------------------------------                     ------------                                                     
      Totals**..................   1,788.21   1,941.87   2,172.57      Totals**.......   1,420.86   1,347.68   1,595.94  .........  .........  .........

[[Page 14261]]

                                                                                                                                                        
                                                                            MD                                                                          
                                                                   BI 100/300.........     351.50     344.93     333.98  .........  .........  .........
                                                                   PD 25..............     135.60     133.44     128.72  .........  .........  .........
                                                                   Med/PIP............      94.71      97.24     124.94  .........  .........  .........
                                                                   UM 100/300.........     124.70     124.70     124.70     176.90     224.75     210.24
                                                                   CM 100.............     218.80     151.87     264.47  .........  .........  .........
                                                                   CL 250.............     458.63     355.60     469.46  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals**.......   1,383.94   1,207.78   1,446.27  .........  .........  .........
                                                                            VA                                                                          
                                                                   BI 100/300.........     210.58     211.92     199.12  .........  .........  .........
                                                                   PD 25..............      86.75      87.35      81.20  .........  .........  .........
                                                                   Med/PIP............      36.78      39.18      41.77  .........  .........  .........
                                                                   UM 100/300.........      49.71      49.71      49.71     124.06     150.13     140.00
                                                                   CM 100.............     115.07      82.87     151.60  .........  .........  .........
                                                                   CL 250.............     249.53     206.15     284.45  .........  .........  .........
                                                                                       ------------                                                     
                                                                       Totals**.......     748.42     677.18     807.85  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and reference area, except for Uninsured Motorist (UM), for which equivalent coverage could   
  not be priced. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical or Personal Injury Protection and  
  Uninsured Motorist premiums where applicable) for each area were compared to derive indexes that were used to adjust reference area UM premiums for   
  each of the reference area survey locations. These values were then averaged and used as the adjusted allowance area UM premium.                      
*Less Med/PIP and UM                                                                                                                                    
**Including Med/PIP and UM                                                                                                                              


                                            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........................     155.93     155.93     155.93  BI 25/50...........     246.40     239.74     234.40      63.28      65.04      66.52
PD 10...........................     160.96     160.96     160.96  PD 10..............     121.26     118.60     115.14     132.74     135.72     139.80
Med/PIP.........................      40.24      40.24      40.24  Med/PIP............  .........  .........  .........  .........  .........  .........
UM..............................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 250/500......................     349.59     483.89     641.83  CM 500.............     212.86     202.26     302.34     164.23     239.24     212.29
CL 500/1000.....................     736.90   1,256.49   1,661.41  CL 500.............     444.74     411.86     499.40     165.69     305.08     332.68
                                 ---------------------------------                     ------------                                                     
      Totals*...................   1,403.38   2,057.27   2,620.13      Totals*........   1,025.26     972.46   1,151.28     136.88     211.55     227.58
                                                                            MD                                                                          
                                                                   BI 25/40...........     260.66     254.47     251.56      59.82      61.28      61.99
                                                                   PD 10..............     134.08     131.43     129.01     120.05     122.47     124.77
                                                                   Med/PIP............  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     158.32     115.62     219.60     220.81     418.52     292.27
                                                                   CL 500.............     372.70     292.15     436.02     197.72     430.08     381.04
                                                                                       ------------                                                     
                                                                       Totals*........     925.76     793.67   1,036.19     151.59     259.21     252.86
                                                                            VA                                                                          
                                                                   BI 25/50...........     155.40     156.10     146.62     100.34      99.89     106.35
                                                                   PD 20..............      86.38      86.98      80.83     186.34     185.05     199.13
                                                                   Med/PIP............  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............      86.27      61.08     111.32     405.23     792.22     576.56
                                                                   CL 500.............     205.38     167.85     236.30     358.80     748.58     703.09
                                                                                       ------------                                                     
                                                                       Totals*........     533.43     472.01     575.07     263.09     435.85     455.62


--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     208.81     209.04     207.71  BI 100/300.........     323.74     313.74     307.20     204.86     204.06     204.35
PD 25...........................     165.34     165.02     164.78  PD 25..............     129.26     125.26     123.06     171.58     170.00     172.04
Med/PIP.........................      40.24      40.24      40.24  Med/PIP............      39.26      41.74      43.14  .........  .........  .........
UM 100/300......................     139.06     230.13     234.57  UM 100/300.........      71.14      71.14      71.14      97.38     150.50     161.90
CM 100..........................     462.13     630.60     818.15  CM 100.............     266.06     250.66     380.34     436.95     599.68     807.42
CL 250..........................     927.33   1,578.56   2,007.08  CL 250.............     591.40     545.14     671.06     979.89   1,663.11   2,232.48
                                 ---------------------------------                     ------------                                                     
      Totals**..................   1,942.91   2,853.59   3,472.53      Totals**.......   1,420.86   1,347.68   1,595.94   1,890.66   2,787.35   3,578.19

[[Page 14262]]

                                                                                                                                                        
                                                                            MD                                                                          
                                                                   BI 100/300.........     351.50     344.93     333.98     210.27     211.37     207.03
                                                                   PD 25..............     135.60     133.44     128.72     162.79     163.42     160.60
                                                                   Med/PIP............      94.71      97.24     124.94  .........  .........  .........
                                                                   UM 100/300.........     124.70     124.70     124.70     189.03     323.23     315.32
                                                                   CM 100.............     218.80     151.87     264.47     483.13     635.61     772.97
                                                                   CL 250.............     458.63     355.60     469.46     906.80   1,529.36   1,788.83
                                                                                       ------------                                                     
                                                                       Totals**.......   1,383.94   1,207.78   1,446.27   1,952.02   2,862.99   3,244.75
                                                                            VA                                                                          
                                                                   BI 100/300.........     210.58     211.92     199.12     211.30     211.69     211.76
                                                                   PD 25..............      86.75      87.35      81.20     161.65     161.64     161.69
                                                                   Med/PIP............      36.78      39.18      41.77  .........  .........  .........
                                                                   UM 100/300.........      49.71      49.71      49.71     130.78     216.66     226.49
                                                                   CM 100.............     115.07      82.87     151.60     466.30     656.51     874.06
                                                                   CL 250.............     249.53     206.15     284.45     895.31   1,543.20   1,999.94
                                                                                       ------------                                                     
                                                                       Totals**.......     748.42     677.18     807.85   1,865.34   2,789.70   3,473.94
--------------------------------------------------------------------------------------------------------------------------------------------------------
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 in each survey location and the results  
  averaged to estimate the cost of equivalent coverage in the allowance area. The exceptions are Uninsured Motorist (UM) premiums, which were adjusted  
  using the relative total cost of premiums (less Medical and Personal Injury Protection coverage where applicable), and Medical premiums, which were   
  not adjusted because they were comparable to reference area coverage.                                                                                 
*Less Med/PIP and UM                                                                                                                                    
**Including Med/PIP and UM                                                                                                                              


                                            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........................     138.33     138.33     138.33  BI 25/50...........     246.40     239.74     234.40      56.14      57.70      59.01
PD 10...........................     139.33     139.33     139.33  PD 10..............     121.26     118.60     115.14     114.90     117.48     121.01
Med/PIP.........................      38.23      38.23      38.23  Med................  .........  .........  .........  .........  .........  .........
UM..............................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 250/500......................     293.75     396.87     430.57  CM 500.............     212.86     202.26     302.34     138.00     196.22     142.41
CL 500/1000.....................     555.31   1,090.00   1,182.05  CL 500.............     444.74     411.86     499.40     124.86     264.65     236.69
                                 ---------------------------------                     ------------                                                     
      Totals*...................   1,126.72   1,764.53   1,890.28      Totals*........   1,025.26     972.46   1,151.28     109.90     181.45     164.19
                                                                            MD                                                                          
                                                                   BI 25/40...........     260.66     254.47     251.56      53.07      54.36      54.99
                                                                   PD 10..............     134.08     131.43     129.01     103.92     106.01     108.00
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     158.32     115.62     219.60     185.54     343.25     196.07
                                                                   CL 500.............     372.70     292.15     436.02     149.00     373.10     271.10
                                                                                       ------------                                                     
                                                                       Totals*........     925.76     793.67   1,036.19     121.71     222.33     182.43
                                                                            VA                                                                          
                                                                   BI 25/50...........     155.40     156.10     146.62      89.02      88.62      94.35
                                                                   PD 20..............      86.38      86.98      80.83     161.30     160.19     172.37
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............      86.27      61.08     111.32     340.50     649.75     386.79
                                                                   CL 500.............     205.38     167.85     236.30     270.38     649.39     500.23
                                                                                       ------------                                                     
                                                                       Totals*........     533.43     472.01     575.07     211.22     373.83     328.70


--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values        
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC                                                                          
BI 100/300......................     185.25     185.44     184.27  BI 100/300.........     323.74     313.74     307.20     181.75     181.03     181.28
PD 25...........................     143.12     142.85     142.63  PD 25..............     129.26     125.26     123.06     148.52     147.16     148.91
Med/PIP.........................      38.23      38.23      38.23  Med/PIP............      39.26      41.74      43.14  .........  .........  .........
UM 100/300......................     111.65     197.39     169.23  UM 100/300.........      71.14      71.14      71.14      78.18     129.08     116.80
CM 100..........................     388.31     517.20     548.85  CM 100.............     266.06     250.66     380.34     367.16     491.85     541.64
CL 250..........................     698.82   1,369.39   1,427.98  CL 250.............     591.40     545.14     671.06     738.42   1,442.71   1,588.33
                                 ---------------------------------                     ------------                                                     
      Totals**..................   1,565.38   2,450.50   2,511.19      Totals**.......   1,420.86   1,347.68   1,595.94   1,514.03   2,391.83   2,576.96

[[Page 14263]]

                                                                                                                                                        
                                                                            MD                                                                          
                                                                   BI 100/300.........     351.50     344.93     333.98     186.54     187.50     183.66
                                                                   PD 25..............     135.60     133.44     128.72     140.92     141.46     139.02
                                                                   Med/PIP............      94.71      97.24     124.94  .........  .........  .........
                                                                   UM 100/300.........     124.70     124.70     124.70     151.77     277.25     227.49
                                                                   CM 100.............     218.80     151.87     264.47     405.96     521.29     518.55
                                                                   CL 250.............     458.63     355.60     469.46     683.36   1,326.74   1,272.71
                                                                                       ------------                                                     
                                                                       Totals**.......   1,383.94   1,207.78   1,446.27   1,568.55   2,454.24   2,341.43
                                                                            VA                                                                          
                                                                   BI 100/300.........     210.58     211.92     199.12     187.46     187.80     187.87
                                                                   PD 25..............      86.75      87.35      81.20     139.93     139.93     139.96
                                                                   Med/PIP............      36.78      39.18      41.77  .........  .........  .........
                                                                   UM 100/300.........      49.71      49.71      49.71     105.00     185.83     163.40
                                                                   CM 100.............     115.07      82.87     151.60     391.81     538.45     586.37
                                                                   CL 250.............     249.53     206.15     284.45     674.68   1,338.72   1,422.90
                                                                                       ------------                                                     
                                                                       Totals**.......     748.42     677.18     807.85   1,498.88   2,390.73   2,500.50
--------------------------------------------------------------------------------------------------------------------------------------------------------
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 in each survey location and the results  
  averaged to estimate the cost of equivalent coverage in the allowance area. The exceptions are Uninsured Motorist (UM) premiums, which were adjusted  
  using the relative total cost of premiums (less Medical and Personal Injury Protection coverage where applicable), and Medical premiums, which were   
  not adjusted because they were comparable to reference area coverage.                                                                                 
*Less Med/PIP and UM                                                                                                                                    
**Including Med/PIP and UM                                                                                                                              


                                      Appendix 17--Air Fares Cost Analysis                                      
                                                  [1996 Survey]                                                 
----------------------------------------------------------------------------------------------------------------
                                                                      Average                                   
                            Location                              allowance area    Average DC         Index    
                                                                     air fares    area air fares                
----------------------------------------------------------------------------------------------------------------
Anchorage, AK...................................................            $673            $334          201.50
Fairbanks, AK...................................................             768             334          229.94
Juneau, AK......................................................             708             334          211.98
Nome, AK........................................................           1,337             334          400.30
Honolulu, HI....................................................             586             334          175.45
Hawaii County, HI...............................................             733             334          219.46
Kauai, HI.......................................................             741             334          221.86
Maui, HI........................................................             741             334          221.86
Guam............................................................           1,267             334          379.34
Puerto Rico.....................................................             435             334          130.24
Virgin Islands..................................................             561             334          167.96
----------------------------------------------------------------------------------------------------------------


                          Air Fares--Composites                         
                              [1996 Survey]                             
------------------------------------------------------------------------
                Location                      Weights          Costs    
------------------------------------------------------------------------
Hilo, HI................................           82.88            $731
Kailua Kona, HI.........................           17.12             741
                                         -----------------              
    Total...............................          100.00  ..............
                                         -----------------              
    Hawaii County, HI cost..............  ..............             733
                                         =================              
St. Croix, VI...........................           46.42             572
St. Thomas, VI..........................           53.58             552
                                         -----------------              
    Total...............................          100.00  ..............
                                         -----------------              
    Virgin Islands cost.................  ..............             561
------------------------------------------------------------------------


                                      Appendix 18--Transportation Analysis                                      
                                                  [1996 Survey]                                                 
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC                
                                                                       cost            area            Index    
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                  
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................          $6,109          $5,316          114.92
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           8,074           6,560          123.08

[[Page 14264]]

                                                                                                                
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           8,017           6,863          116.81
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          118.27
                                                                 =================                              
Fairbanks, AK:                                                                                                  
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           6,805           5,316          128.01
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           8,050           6,560          122.71
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           7,874           6,863          114.73
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          121.82
                                                                 =================                              
Juneau, AK:                                                                                                     
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           5,819           5,316          109.46
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           7,105           6,560          108.31
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           7,268           6,863          105.90
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          107.89
                                                                 =================                              
Nome, AK:                                                                                                       
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           6,576           5,316          123.70
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           8,967           6,560          136.69
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           9,417           6,863          137.21
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          132.53
                                                                 =================                              
Honolulu, HI:                                                                                                   
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           6,734           5,260          128.02
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           8,035           6,503          123.56
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           8,971           6,791          132.10
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          127.89
                                                                 =================                              
Hawaii County, HI:                                                                                              
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           7,330           5,260          139.35
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           8,091           6,503          124.42
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           9,469           6,791          139.43
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          134.40
                                                                 =================                              
Kauai County, HI:                                                                                               
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           7,664           5,260          145.70
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           9,284           6,503          142.76
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................          10,422           6,791          153.47
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          147.31
                                                                 =================                              
Maui County, HI:                                                                                                
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           6,658           5,260          126.58
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           8,141           6,503          125.19
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           9,794           6,791          144.22
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          132.00
                                                                 =================                              
Guam:                                                                                                           
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           6,779           5,260          128.88
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           9,381           6,503          144.26
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           9,091           6,791          133.87
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          135.67
                                                                 =================                              
Puerto Rico:                                                                                                    
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           6,651           5,260          126.44
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           8,625           6,503          132.63
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................           8,785           6,791          129.36
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          129.48
                                                                 =================                              
Virgin Islands:                                                                                                 
    1. Honda Civic DX 4 dr sdn 1.5L 4 cyl.......................           6,542           5,260          124.37
    2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.....................           9,364           6,503          144.00

[[Page 14265]]

                                                                                                                
    3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.....................          10,207           6,791          150.30
                                                                 -----------------                              
        Average index...........................................  ..............  ..............          139.56
----------------------------------------------------------------------------------------------------------------


                                       Appendix 19--Transportation Summary                                      
                                                  [1996 Survey]                                                 
----------------------------------------------------------------------------------------------------------------
                                                    Lower income          Middle income         Upper income    
                                      Category -----------------------------------------------------------------
                                      indexes    Weights    Subtotal   Weights    Subtotal   Weights    Subtotal
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                  
    Private transportation.........     118.27      95.23     112.63      94.58     111.86      93.96     111.13
    Air fares and other                                                                                         
     transportation expenses.......     201.50       4.77       9.61       5.42      10.92       6.04      12.17
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     122.24  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     122.78  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     123.30
                                    ============                                                                
Fairbanks, AK:                                                                                                  
    Private transportation.........     121.82      95.23     116.01      94.58     115.22      93.96     114.46
    Air fares and other                                                                                         
     transportation expenses.......     229.94       4.77      10.97       5.42      12.46       6.04      13.89
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     126.98  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     127.68  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     128.35
                                    ============                                                                
Juneau, AK:                                                                                                     
    Private transportation.........     107.89      95.23     102.74      94.58     102.04      93.96     101.37
    Air fares and other                                                                                         
     transportation expenses.......     211.98       4.77      10.11       5.42      11.49       6.04      12.80
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     112.85  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     113.53  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     114.17
                                    ============                                                                
Nome, AK:                                                                                                       
    Private transportation.........     132.53      95.23     126.21      94.58     125.35      93.96     124.53
    Air fares and other                                                                                         
     transportation expenses.......     400.30       4.77      19.09       5.42      21.70       6.04      24.18
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     145.30  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     147.05  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     148.71
                                    ============                                                                
Honolulu, HI:                                                                                                   
    Private transportation.........     127.89      95.23     121.79      94.58     120.96      93.96     120.17
    Air fares and other                                                                                         
     transportation expenses.......     175.45       4.77       8.37       5.42       9.51       6.04      10.60
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     130.16  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     130.47  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     130.77
                                    ============                                                                
Hawaii County, HI:                                                                                              
    Private transportation.........     134.40      95.23     127.99      94.58     127.12      93.96     126.28
    Air fares and other                                                                                         
     transportation expenses.......     219.46       4.77      10.47       5.42      11.89       6.04      13.26
                                    ------------                                                                

[[Page 14266]]

                                                                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     138.46  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     139.01  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     139.54
                                    ============                                                                
Kauai County, HI:                                                                                               
    Private transportation.........     147.31      95.23     140.28      94.58     139.33      93.96     138.41
    Air fares and other                                                                                         
     transportation expenses.......     221.86       4.77      10.58       5.42      12.02       6.04      13.40
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     150.86  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     151.35  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     151.81
                                    ============                                                                
Maui County, HI:                                                                                                
    Private transportation.........     132.00      95.23     125.70      94.58     124.85      93.96     124.03
    Air fares and other                                                                                         
     transportation expenses.......     221.86       4.77      10.58       5.42      12.02       6.04      13.40
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     136.28  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     136.87  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     137.43
                                    ============                                                                
Guam:                                                                                                           
    Private transportation.........     135.67      95.23     129.20      94.58     128.32      93.96     127.48
    Air fares and other                                                                                         
     transportation expenses.......     379.34       4.77      18.09       5.42      20.56       6.04      22.91
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     147.29  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     148.88  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     150.39
                                    ============                                                                
Puerto Rico:                                                                                                    
    Private transportation.........     129.48      95.23     123.30      94.58     122.46      93.96     121.66
    Air fares and other                                                                                         
     transportation expenses.......     130.24       4.77       6.21       5.42       7.06       6.04       7.87
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     129.51  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     129.52  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     129.53
                                    ============                                                                
Virgin Islands:                                                                                                 
    Private transportation.........     139.56      95.23     132.90      94.58     132.00      93.96     131.13
    Air fares and other                                                                                         
     transportation expenses.......     167.96       4.77       8.01       5.42       9.10       6.04      10.14
                                    ------------                                                                
        Total weights..............  .........     100.00  .........     100.00  .........     100.00  .........
                                    ------------                                                                
        Total indexes:                                                                                          
          Lower....................  .........  .........     140.91  .........  .........  .........  .........
          Middle...................  .........  .........  .........  .........     141.10  .........  .........
          Upper....................  .........  .........  .........  .........  .........  .........     141.27
----------------------------------------------------------------------------------------------------------------


                     Appendix 20--Miscellaneous Expense Analysis--Category Index Development                    
                                                  [1996 Survey]                                                 
----------------------------------------------------------------------------------------------------------------
                                                   Price DC                                                     
                                       Price         area        Ratio       Weights      Subtotal      Index   
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                  

[[Page 14267]]

                                                                                                                
    Medical care..................  ...........  ...........  ...........  ...........  ...........       112.24
    Non-aspirin pain reliever.....        $5.79        $6.11         0.95         4.78         4.53  ...........
    Tetracycline..................         7.96         6.20         1.28        12.02        15.42  ...........
    Dentist clean/check...........       149.33       103.28         1.45        15.65        22.63  ...........
    Doctor office visit...........        61.00        53.11         1.15        14.56        16.72  ...........
    Hospital room.................       684.00       506.97         1.35         3.39         4.57  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       166.00       213.83         0.78         5.51         4.28  ...........
                                   --------------                                                               
Fairbanks, AK:                                                                                                  
    Medical care..................  ...........  ...........  ...........  ...........  ...........       114.72
    Non-aspirin pain reliever.....         5.75         6.11         0.94         4.78         4.50  ...........
    Tetracycline..................         6.97         6.20         1.12        12.02        13.50  ...........
    Dentist clean/check...........       172.33       103.28         1.67        15.65        26.11  ...........
    Doctor office visit...........        65.00        53.11         1.22        14.56        17.82  ...........
    Hospital room.................       503.00       506.97         0.99         3.39         3.36  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       206.67       213.83         0.97         5.51         5.33  ...........
                                   --------------                                                               
Juneau, AK:                                                                                                     
    Medical care..................  ...........  ...........  ...........  ...........  ...........       112.95
    Non-aspirin pain reliever.....         6.94         6.11         1.14         4.78         5.43  ...........
    Tetracycline..................         8.73         6.20         1.41        12.02        16.91  ...........
    Dentist clean/check...........       151.67       103.28         1.47        15.65        22.98  ...........
    Doctor office visit...........        52.67        53.11         0.99        14.56        14.44  ...........
    Hospital room.................       600.00       506.97         1.18         3.39         4.01  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       197.33       213.83         0.92         5.51         5.08  ...........
                                   --------------                                                               
Nome, AK:                                                                                                       
    Medical care..................  ...........  ...........  ...........  ...........  ...........       132.83
    Non-aspirin pain reliever.....         6.94         6.11         1.14         4.78         5.43  ...........
    Tetracycline..................        14.75         6.20         2.38        12.02        28.58  ...........
    Dentist clean/check...........       176.50       103.28         1.71        15.65        26.75  ...........
    Doctor office visit...........        65.00        53.11         1.22        14.56        17.82  ...........
    Hospital room.................       653.00       506.97         1.29         3.39         4.37  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       225.00       213.83         1.05         5.51         5.80  ...........
                                   --------------                                                               
Honolulu, HI:                                                                                                   
    Medical care..................  ...........  ...........  ...........  ...........  ...........       104.83
    Non-aspirin pain reliever.....         6.72         6.11         1.10         4.78         5.26  ...........
    Tetracycline..................         5.95         6.20         0.96        12.02        11.53  ...........
    Dentist clean/check...........       143.05       103.28         1.39        15.65        21.68  ...........
    Doctor office visit...........        47.73        53.11         0.90        14.56        13.08  ...........
    Hospital room.................       623.61       506.97         1.23         3.39         4.17  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       194.67       213.83         0.91         5.51         5.02  ...........
                                   --------------                                                               
Hilo, HI:                                                                                                       
    Medical care..................  ...........  ...........  ...........  ...........  ...........       101.13
    Non-aspirin pain reliever.....         7.10         6.11         1.16         4.78         5.56  ...........
    Tetracycline..................         6.46         6.20         1.04        12.02        12.51  ...........
    Dentist clean/check...........       112.77       103.28         1.09        15.65        17.09  ...........
    Doctor office visit...........        48.79        53.11         0.92        14.56        13.38  ...........
    Hospital room.................       551.00       506.97         1.09         3.39         3.68  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       187.17       213.83         0.88         5.51         4.82  ...........
                                   --------------                                                               
Kailua Kona, HI:                                                                                                
    Medical care..................  ...........  ...........  ...........  ...........  ...........       112.85
    Non-aspirin pain reliever.....         6.73         6.11         1.10         4.78         5.27  ...........
    Tetracycline..................         5.56         6.20         0.90        12.02        10.77  ...........
    Dentist clean/check...........       173.96       103.28         1.68        15.65        26.36  ...........
    Doctor office visit...........        64.41        53.11         1.21        14.56        17.66  ...........
    Hospital room.................       512.00       506.97         1.01         3.39         3.42  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       205.33       213.83         0.96         5.51         5.29  ...........
                                   --------------                                                               
Kauai County, HI:                                                                                               

[[Page 14268]]

                                                                                                                
    Medical care..................  ...........  ...........  ...........  ...........  ...........       111.44
    Non-aspirin pain reliever.....         9.05         6.11         1.48         4.78         7.08  ...........
    Tetracycline..................         6.95         6.20         1.12        12.02        13.47  ...........
    Dentist clean/check...........       157.98       103.28         1.53        15.65        23.94  ...........
    Doctor office visit...........        49.82        53.11         0.94        14.56        13.66  ...........
    Hospital room.................       611.83       506.97         1.21         3.39         4.09  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       198.34       213.83         0.93         5.51         5.11  ...........
                                   --------------                                                               
Maui County, HI:                                                                                                
    Medical care..................  ...........  ...........  ...........  ...........  ...........       109.52
    Non-aspirin pain reliever.....         6.86         6.11         1.12         4.78         5.37  ...........
    Tetracycline..................         5.85         6.20         0.94        12.02        11.33  ...........
    Dentist clean/check...........       162.98       103.28         1.58        15.65        24.70  ...........
    Doctor office visit...........        60.85        53.11         1.15        14.56        16.68  ...........
    Hospital room.................       375.50       506.97         0.74         3.39         2.51  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       187.93       213.83         0.88         5.51         4.84  ...........
                                   --------------                                                               
Guam:                                                                                                           
    Medical care..................  ...........  ...........  ...........  ...........  ...........       119.30
    Non-aspirin pain reliever.....         8.64         6.11         1.41         4.78         6.76  ...........
    Tetracycline..................         4.58         6.20         0.74        12.02         8.88  ...........
    Dentist clean/check...........       192.33       103.28         1.86        15.65        29.14  ...........
    Doctor office visit...........        63.33        53.11         1.19        14.56        17.36  ...........
    Hospital room.................       259.00       506.97         0.51         3.39         1.73  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       440.00       213.83         2.06         5.51        11.34  ...........
                                   --------------                                                               
Puerto Rico:                                                                                                    
    Medical care..................  ...........  ...........  ...........  ...........  ...........        79.42
    Non-aspirin pain reliever.....         5.79         6.11         0.95         4.78         4.53  ...........
    Tetracycline..................         3.92         6.20         0.63        12.02         7.59  ...........
    Dentist clean/check...........        73.33       103.28         0.71        15.65        11.11  ...........
    Doctor office visit...........        26.67        53.11         0.50        14.56         7.31  ...........
    Hospital room.................       173.33       506.97         0.34         3.39         1.16  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       140.83       213.83         0.66         5.51         3.63  ...........
                                   --------------                                                               
St. Croix, VI:                                                                                                  
    Medical care..................  ...........  ...........  ...........  ...........  ...........        91.44
    Non-aspirin pain reliever.....         7.66         6.11         1.25         4.78         5.99  ...........
    Tetracycline..................         5.65         6.20         0.91        12.02        10.95  ...........
    Dentist clean/check...........        68.33       103.28         0.66        15.65        10.35  ...........
    Doctor office visit...........        38.33        53.11         0.72        14.56        10.51  ...........
    Hospital room.................       550.00       506.97         1.08         3.39         3.68  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       227.59       213.83         1.06         5.51         5.86  ...........
                                   --------------                                                               
St. Thomas, VI:                                                                                                 
    Medical care..................  ...........  ...........  ...........  ...........  ...........       115.61
    Non-aspirin pain reliever.....         7.99         6.11         1.31         4.78         6.25  ...........
    Tetracycline..................        14.62         6.20         2.36        12.02        28.33  ...........
    Dentist clean/check...........        82.75       103.28         0.80        15.65        12.54  ...........
    Doctor office visit...........        61.25        53.11         1.15        14.56        16.79  ...........
    Hospital room.................       345.00       506.97         0.68         3.39         2.31  ...........
    Health Insurance..............       100.00       100.00         1.00        44.10        44.10  ...........
    Contact Lenses................       206.00       213.83         0.96         5.51         5.31  ...........
----------------------------------------------------------------------------------------------------------------


                                          Appendix 21--Miscellaneous Expense Analysis--Total Index Development                                          
                                                                      [1996 Survey]                                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income      
                                                                 Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights*     Subtotal     Weights*     Subtotal     Weights*     Subtotal 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:                                                                                                                                          
    1. Medical care..........................................       112.24        41.36        46.42        31.40        35.24        24.04        26.98

[[Page 14269]]

                                                                                                                                                        
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       107.71        16.52        17.79  ...........  ...........  ...........  ...........
        Middle income........................................       107.53  ...........  ...........        17.18        18.47  ...........  ...........
        Upper income.........................................       107.36  ...........  ...........  ...........  ...........        17.67        18.97
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       106.32  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       105.13  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       104.24
                                                              ==============                                                                            
Fairbanks, AK:                                                                                                                                          
    1. Medical care..........................................       114.72        41.36        47.45        31.40        36.02        24.04        27.58
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       115.93        16.52        19.15  ...........  ...........  ...........  ...........
        Middle income........................................       116.29  ...........  ...........        17.18        19.98  ...........  ...........
        Upper income.........................................       116.66  ...........  ...........  ...........  ...........        17.67        20.61
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       108.71  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       107.42  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       106.48
                                                              ==============                                                                            
Juneau, AK:                                                                                                                                             
    1. Medical care..........................................       112.95        41.36        46.72        31.40        35.47        24.04        27.15
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       117.12        16.52        19.35  ...........  ...........  ...........  ...........
        Middle income........................................       117.31  ...........  ...........        17.18        20.15  ...........  ...........
        Upper income.........................................       117.50  ...........  ...........  ...........  ...........        17.67        20.76
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       108.18  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       107.04  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       106.20
                                                              ==============                                                                            
Nome, AK:                                                                                                                                               
    1. Medical care..........................................       132.83        41.36        54.94        31.40        41.71        24.04        31.93
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       140.72        16.52        23.25  ...........  ...........  ...........  ...........
        Middle income........................................       140.34  ...........  ...........        17.18        24.11  ...........  ...........
        Upper income.........................................       139.98  ...........  ...........  ...........  ...........        17.67        24.73
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       120.30  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       117.24  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       114.95
                                                              ==============                                                                            
Honolulu, HI:                                                                                                                                           
    1. Medical care..........................................       104.83        41.36        43.36        31.40        32.92        24.04        25.20
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       115.53        16.52        19.09  ...........  ...........  ...........  ...........
        Middle income........................................       114.71  ...........  ...........        17.18        19.71  ...........  ...........
        Upper income.........................................       113.97  ...........  ...........  ...........  ...........        17.67        20.14
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       104.56  ...........  ...........  ...........  ...........

[[Page 14270]]

                                                                                                                                                        
              Middle.........................................  ...........  ...........  ...........  ...........       104.05  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       103.63
                                                              ==============                                                                            
Hilo, HI:                                                                                                                                               
    1. Medical care..........................................       101.13        41.36        41.83        31.40        31.75        24.04        24.31
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       115.10        16.52        19.01  ...........  ...........  ...........  ...........
        Middle income........................................       114.16  ...........  ...........        17.18        19.61  ...........  ...........
        Upper income.........................................       113.26  ...........  ...........  ...........  ...........        17.67        20.01
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       102.95  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       102.78  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       102.61
                                                              ==============                                                                            
Kailua Kona, HI:                                                                                                                                        
    1. Medical care..........................................       112.85        41.36        46.67        31.40        35.43        24.04        27.13
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       117.01        16.52        19.33  ...........  ...........  ...........  ...........
        Middle income........................................       116.56  ...........  ...........        17.18        20.03  ...........  ...........
        Upper income.........................................       116.15  ...........  ...........  ...........  ...........        17.67        20.52
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       108.11  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       106.88  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       105.94
                                                              ==============                                                                            
Kauai County, HI:                                                                                                                                       
    1. Medical care..........................................       111.44        41.36        46.09        31.40        34.99        24.04        26.79
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       123.73        16.52        20.44  ...........  ...........  ...........  ...........
        Middle income........................................       122.78  ...........  ...........        17.18        21.09  ...........  ...........
        Upper income.........................................       121.89  ...........  ...........  ...........  ...........        17.67        21.54
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       108.64  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       107.50  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       106.62
                                                              ==============                                                                            
Maui County, HI:                                                                                                                                        
    1. Medical care..........................................       109.52        41.36        45.30        31.40        34.39        24.04        26.33
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       120.09        16.52        19.84  ...........  ...........  ...........  ...........
        Middle income........................................       119.45  ...........  ...........        17.18        20.52  ...........  ...........
        Upper income.........................................       118.87  ...........  ...........  ...........  ...........        17.67        21.00
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       107.25  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       106.33  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       105.62
                                                              ==============                                                                            
Guam:                                                                                                                                                   
    1. Medical care..........................................       119.30        41.36        49.34        31.40        37.46        24.04        28.68
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       117.57        16.52        19.42  ...........  ...........  ...........  ...........
        Middle income........................................       117.46  ...........  ...........        17.18        20.18  ...........  ...........
        Upper income.........................................       117.37  ...........  ...........  ...........  ...........        17.67        20.74

[[Page 14271]]

                                                                                                                                                        
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       110.87  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       109.06  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       107.71
                                                              ==============                                                                            
Puerto Rico:                                                                                                                                            
    1. Medical care..........................................        79.42        41.36        32.85        31.40        24.94        24.04        19.09
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       100.79        16.52        16.65  ...........  ...........  ...........  ...........
        Middle income........................................       100.79  ...........  ...........        17.18        17.32  ...........  ...........
        Upper income.........................................       100.80  ...........  ...........  ...........  ...........        17.67        17.81
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........        91.61  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........        93.68  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........        95.19
                                                              ==============                                                                            
St. Croix, VI:                                                                                                                                          
    1. Medical care..........................................        91.44        41.36        37.82        31.40        28.71        24.04        21.98
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       113.10        16.52        18.68  ...........  ...........  ...........  ...........
        Middle income........................................       113.17  ...........  ...........        17.18        19.44  ...........  ...........
        Upper income.........................................       113.26  ...........  ...........  ...........  ...........        17.67        20.01
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........        98.61  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........        99.57  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       100.28
                                                              ==============                                                                            
St. Thomas, VI:                                                                                                                                         
    1. Medical care..........................................       115.61        41.36        47.82        31.40        36.30        24.04        27.79
    2. Cash contributions:                                                                                                                              
        Lower income.........................................       118.11        16.52        19.51  ...........  ...........  ...........  ...........
        Middle income........................................       117.95  ...........  ...........        17.18        20.26  ...........  ...........
        Upper income.........................................       117.84  ...........  ...........  ...........  ...........        17.67        20.82
    3. Personal insurance/pensions...........................       100.00        42.11        42.11        51.42        51.42        58.29        58.29
                                                              --------------                                                                            
            Total weights....................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              --------------                                                                            
            Total indexes:                                                                                                                              
              Lower..........................................  ...........  ...........       109.44  ...........  ...........  ...........  ...........
              Middle.........................................  ...........  ...........  ...........  ...........       107.98  ...........  ...........
              Upper..........................................  ...........  ...........  ...........  ...........  ...........  ...........       106.90
--------------------------------------------------------------------------------------------------------------------------------------------------------
*Numbers might not add to 100 due to rounding.                                                                                                          


               Miscellaneous Expense Analysis--Composites               
                              [1996 Survey]                             
------------------------------------------------------------------------
                                                  Total indexes         
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper  
                                           income     income     income 
------------------------------------------------------------------------
Hilo, HI....................      82.88     102.95     102.78     102.61
Kailua Kona, HI.............      17.12     108.11     106.88     105.94
                             ------------                               
    Total weight............     100.00  .........  .........  .........
                             ------------                               

[[Page 14272]]

                                                                        
     Hawaii County, HI......  .........     103.83     103.48     103.18
                             ============                               
St. Croix, VI...............      46.42      98.61      99.57     100.28
St. Thomas, VI..............      53.58     109.44     107.98     106.90
                             ------------                               
    Total weight............     100.00  .........  .........  .........
                             ------------                               
     Virgin Islands.........  .........     104.41     104.08     103.83
------------------------------------------------------------------------


                                                       Appendix 22--Component Expenditure Amounts                                                       
                                                                      [1996 Survey]                                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Indexes                                      Amounts                  
                                               Incomes         -----------------------------------------------------------------------------------------
                                                                  CG&S     Own      Rent     Trn      Misc     CG&S     Own      Rent     Trn      Misc 
--------------------------------------------------------------------------------------------------------------------------------------------------------
Reference Wts/Amts                     21,600.................    39.62    25.72    25.72    18.48    16.18   $8,558   $5,556   $5,556   $3,992   $3,495
                                       32,900.................    38.97    24.46    24.46    18.22    18.35   12,821    8,047    8,047    5,994    6,037
                                       50,300.................    38.37    23.28    23.28    17.98    20.37   19,300   11,710   11,710    9,044   10,246
                                      ==========================                                                                                        
Anchorage, AK........................  Lower..................   107.71    98.59   100.72   122.24   106.32    9,218    5,478    5,596    4,880    3,716
                                       Middle.................   107.53    90.41    96.13   122.78   105.13   13,786    7,275    7,736    7,359    6,347
                                       Upper..................   107.36    73.98    88.59   123.30   104.24   20,720    8,663   10,374   11,151   10,680
                                      --------------------------                                                                                        
Fairbanks, AK........................  Lower..................   115.93    94.14   106.28   126.98   108.71    9,921    5,230    5,905    5,069    3,799
                                       Middle.................   116.29    87.40   102.85   127.68   107.42   14,910    7,033    8,276    7,653    6,485
                                       Upper..................   116.66    71.00    80.82   128.35   106.48   22,515    8,314    9,464   11,608   10,910
                                      --------------------------                                                                                        
Juneau, AK...........................  Lower..................   117.12   112.32   133.43   112.85   108.18   10,023    6,240    7,413    4,505    3,781
                                       Middle.................   117.31   100.29   125.16   113.53   107.04   15,040    8,070   10,072    6,805    6,462
                                       Upper..................   117.50    78.16   107.25   114.17   106.20   22,678    9,153   12,559   10,326   10,881
                                      --------------------------                                                                                        
Nome, AK.............................  Lower..................   140.72   109.07   132.75   145.30   120.30   12,043    6,060    7,376    5,800    4,204
                                       Middle.................   140.34   101.91   135.38   147.05   117.24   17,993    8,201   10,894    8,814    7,078
                                       Upper..................   139.98    80.81    97.05   148.71   114.95   27,016    9,463   11,365   13,449   11,778
                                      --------------------------                                                                                        
Honolulu, HI.........................  Lower..................   116.08   177.05   135.88   130.16   104.65    9,934    9,837    7,549    5,196    3,658
                                       Middle.................   115.26   181.33   128.55   130.47   104.14   14,777   14,592   10,344    7,820    6,287
                                       Upper..................   114.51   141.29   105.85   130.77   103.72   22,100   16,545   12,395   11,827   10,627
                                      --------------------------                                                                                        
Hawaii County, HI....................  Lower..................   115.43   113.45    99.94   138.46   103.83    9,878    6,303    5,553    5,527    3,629
                                       Middle.................   114.57   107.15    92.65   139.01   103.48   14,689    8,622    7,456    8,332    6,247
                                       Upper..................   113.75    83.11    72.71   139.54   103.18   21,954    9,732    8,514   12,620   10,572
                                      --------------------------                                                                                        
Kauai County, HI.....................  Lower..................   123.73   143.82   109.64   150.86   108.64   10,589    7,991    6,092    6,022    3,797
                                       Middle.................   122.78   133.42   102.73   151.35   107.50   15,742   10,736    8,267    9,072    6,490
                                       Upper..................   121.89   105.23    81.02   151.81   106.62   23,525   12,322    9,487   13,730   10,924
                                      --------------------------                                                                                        
Maui County, HI......................  Lower..................   120.09   156.46   119.32   136.28   107.25   10,277    8,693    6,629    5,440    3,748
                                       Middle.................   119.45   149.14   108.56   136.87   106.33   15,315   12,001    8,736    8,204    6,419
                                       Upper..................   118.87   116.42    84.12   137.43   105.62   22,942   13,633    9,850   12,429   10,822
                                      --------------------------                                                                                        
Guam (Local Retail)..................  Lower..................   117.57   131.58   120.21   147.29   110.87   10,062    7,311    6,679    5,880    3,875
                                       Middle.................   117.46   120.85   123.44   148.88   109.06   15,060    9,725    9,933    8,924    6,584
                                       Upper..................   117.37   117.60    93.29   150.39   107.71   22,652   13,771   10,924   13,601   11,036
                                      --------------------------                                                                                        
Guam (Comm.&Exch.)...................  Lower..................   101.65   131.58   120.21   147.29   110.87    8,699    7,311    6,679    5,880    3,875
                                       Middle.................   102.51   120.85   123.44   148.88   109.06   13,143    9,725    9,933    8,924    6,584
                                       Upper..................   103.39   117.60    93.29   150.39   107.71   19,954   13,771   10,924   13,601   11,036
                                      --------------------------                                                                                        
Puerto Rico..........................  Lower..................   100.79    66.99   100.41   129.51    91.61    8,626    3,722    5,579    5,170    3,202
                                       Middle.................   100.79    63.36   122.51   129.52    93.68   12,922    5,099    9,858    7,763    5,655
                                       Upper..................   100.80    64.04   119.18   129.53    95.19   19,454    7,499   13,956   11,715    9,753
                                      --------------------------                                                                                        
Virgin Islands.......................  Lower..................   115.78   133.31   124.18   140.91   104.41    9,908    7,407    6,899    5,625    3,649
                                       Middle.................   115.73   133.05   121.30   141.10   104.08   14,838   10,707    9,761    8,458    6,283
                                       Upper..................   115.71   107.23   106.36   141.27   103.83   22,332   12,557   12,455   12,776   10,638
--------------------------------------------------------------------------------------------------------------------------------------------------------


[[Page 14273]]


                                                       Appendix 23--Total Comparative Cost Indexes                                                      
                                                                      [1996 Survey]                                                                     
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                    Income                                                              
                                                             Income                 Weights       Own        Rent        Total        WDC        Index  
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                Lower...........................      21,600       37.97       62.03  ..........  ..........  ..........
                                                Middle..........................      32,900       47.13       52.87  ..........  ..........  ..........
                                                Upper...........................      50,300       61.21       38.79  ..........  ..........  ..........
                                               ===================================                                                                      
Anchorage, AK.................................  Lower...........................       26.44     $23,292     $23,410     $23,365     $21,600  ..........
                                                Middle..........................       32.11      34,767      35,228      35,011      32,900  ..........
                                                Upper...........................       41.45      51,214      52,925      51,878      50,300  ..........
                                                ................................      100.00  ..........  ..........      38,923      37,125      104.84
                                               -----------------------------------                                                                      
Fairbanks, AK.................................  Lower...........................       33.28      24,019      24,694      24,438      21,600  ..........
                                                Middle..........................       36.60      36,081      37,324      36,738      32,900  ..........
                                                Upper...........................       30.12      53,347      54,497      53,793      50,300  ..........
                                                ................................      100.00  ..........  ..........      37,782      34,380      109.90
                                               -----------------------------------                                                                      
Juneau, AK....................................  Lower...........................       19.89      24,549      25,722      25,277      21,600  ..........
                                                Middle..........................       31.45      36,377      38,379      37,435      32,900  ..........
                                                Upper...........................       48.66      53,038      56,444      54,359      50,300  ..........
                                                ................................      100.00  ..........  ..........      43,252      39,119      110.57
                                               -----------------------------------                                                                      
Nome, AK......................................  Lower...........................       25.62      28,107      29,423      28,923      21,600  ..........
                                                Middle..........................       46.40      42,086      44,779      43,510      32,900  ..........
                                                Upper...........................       27.98      61,706      63,608      62,444      50,300  ..........
                                                ................................      100.00  ..........  ..........      45,071      34,873      129.24
                                               -----------------------------------                                                                      
Honolulu, HI..................................  Lower...........................       32.68      28,625      26,337      27,206      21,600  ..........
                                                Middle..........................       32.52      43,476      39,228      41,230      32,900  ..........
                                                Upper...........................       34.80      61,099      56,949      59,489      50,300  ..........
                                                ................................      100.00  ..........  ..........      43,001      35,262      121.95
                                               -----------------------------------                                                                      
Hawaii County, HI.............................  Lower...........................       36.69      25,337      24,587      24,872      21,600  ..........
                                                Middle..........................       39.79      37,890      36,724      37,274      32,900  ..........
                                                Upper...........................       23.52      54,878      53,660      54,406      50,300  ..........
                                                ................................      100.00  ..........  ..........      36,753      32,847      111.89
                                               -----------------------------------                                                                      
Kauai County, HI..............................  Lower...........................       30.24      28,399      26,500      27,221      21,600  ..........
                                                Middle..........................       34.28      42,040      39,571      40,735      32,900  ..........
                                                Upper...........................       35.48      60,501      57,666      59,401      50,300  ..........
                                                ................................      100.00  ..........  ..........      43,271      35,656      121.36
                                               -----------------------------------                                                                      
Maui County, HI...............................  Lower...........................       25.52      28,158      26,094      26,878      21,600  ..........
                                                Middle..........................       39.31      41,939      38,674      40,213      32,900  ..........
                                                Upper...........................       35.17      59,826      56,043      58,359      50,300  ..........
                                                ................................      100.00  ..........  ..........      43,192      36,136      119.53
                                               -----------------------------------                                                                      
Guam (Local Retail)...........................  Lower...........................       47.12      27,128      26,496      26,736      21,600  ..........
                                                Middle..........................       31.41      40,293      40,501      40,403      32,900  ..........
                                                Upper...........................       21.47      61,060      58,213      59,956      50,300  ..........
                                                ................................      100.00  ..........  ..........      38,161      31,311      121.88
                                               -----------------------------------                                                                      
Guam (Comm.&Exch.)............................  Lower...........................       47.12      25,765      25,133      25,373      21,600  ..........
                                                Middle..........................       31.41      38,376      38,584      38,486      32,900  ..........
                                                Upper...........................       21.47      58,362      55,515      57,258      50,300  ..........
                                                ................................      100.00  ..........  ..........      36,338      31,311      116.06
                                               -----------------------------------                                                                      
Puerto Rico...................................  Lower...........................       40.66      20,720      22,577      21,872      21,600  ..........
                                                Middle..........................       37.86      31,439      36,198      33,955      32,900  ..........
                                                Upper...........................       21.48      48,421      54,878      50,926      50,300  ..........
                                                ................................      100.00  ..........  ..........      32,687      32,043      102.01
                                               -----------------------------------                                                                      
Virgin Islands................................  Lower...........................       35.31      26,589      26,081      26,274      21,600  ..........
                                                Middle..........................       40.94      40,286      39,340      39,786      32,900  ..........
                                                Upper...........................       23.75      58,303      58,201      58,263      50,300  ..........
                                                ................................      100.00  ..........  ..........      39,403      33,042      119.25
--------------------------------------------------------------------------------------------------------------------------------------------------------

[FR Doc. 97-7362 Filed 3-24-97; 8:45 am]
BILLING CODE 6325-01-F