[Federal Register Volume 65, Number 137 (Monday, July 17, 2000)]
[Notices]
[Pages 44103-44173]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 00-17570]



  Federal Register / Vol. 65, No. 137 / Monday, July 17, 2000 / 
Notices  

[[Page 44103]]


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OFFICE OF PERSONNEL MANAGEMENT

Report On 1998 Surveys Used to Determine


Cost-of-Living Allowances in Nonforeign Areas

AGENCY: Office of Personnel Management.

ACTION: Notice.

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SUMMARY: This notice publishes the ``Report on 1998 Surveys Used to 
Determine Cost-of-Living Allowances in Nonforeign Areas.'' The Federal 
Government uses the results of these surveys to set cost-of-living 
allowance (COLA) rates for 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. Based on the survey findings, the Office of Personnel 
Management is increasing the local retail COLA rate for the Guam and 
Commonwealth of the Northern Mariana Islands allowance area in an 
interim regulation published with this notice. This increase is a 
result of cost-of-living surveys conducted in October and November 1998 
using our current methodology for calculating COLA rates. A settlement 
agreement that is currently awaiting court approval calls for OPM to 
use a new methodology in conducting future surveys and in calculating 
future COLA rates. Therefore, the survey results reflected in this rule 
are not an indication of what survey results or COLA rates would be 
under the new methodology.

DATES: We must receive comments on or before November 14, 2000.

ADDRESSES: Send or deliver comments to Donald J. Winstead, Assistant 
Director for Compensation Administration, Workforce Compensation and 
Performance Service, Office of Personnel Management, Room 7H31, 1900 E 
Street NW., Washington, DC 20415-8200; fax: (202) 606-4264; or email: 
[email protected].

FOR FURTHER INFORMATION CONTACT: Donald L. Paquin, (202) 606-2838; fax: 
(202) 606-4264; or email: [email protected].

SUPPLEMENTARY INFORMATION: Section 591.206(c) of title 5, Code of 
Federal Regulations, requires the Office of Personnel Management (OPM) 
to publish nonforeign area cost-of-living allowance (COLA) survey 
summaries and calculations in the Federal Register. We are publishing 
the complete ``Report on 1998 Surveys Used to Determine Cost-of-Living 
Allowances in Nonforeign Areas'' with this notice. In the report, we 
explain the methodologies, calculations, and findings of the 1998 COLA 
surveys.

Results of Surveys

    Using an index scale with the living costs in the Washington, DC, 
area equal to 100, we computed index values of relative living costs in 
each of the allowance areas. (See the final cost comparison indexes in 
the Executive Summary of the report.) The results of the surveys show 
that the local retail COLA rate for the Guam and Commonwealth of the 
Northern Mariana Islands allowance area should increase from 22.5 
percent to 25 percent, the COLA rates for two other areas are currently 
at the appropriate level, and the COLA rates in eight areas are above 
the levels indicated 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, 2000. Therefore, the interim regulation contains no COLA 
rate reductions.

Corrections to the 1997 Report

    In preparing our report on the 1998 surveys, we discovered three 
errors in the 1997 survey report. We discuss these errors below, and we 
have corrected them in the 1998 analyses and report. We note that these 
corrections did not affect the COLA rates for any allowance area.
    Median values for housing. We further analyzed our data on 1997 
median housing values and discovered an error that resulted in our 
publishing incorrect values for Anchorage and Fairbanks in appendix 9. 
We made these corrections. Although these changes had no effect on the 
Anchorage index, the Fairbanks index decreased from 107.57 to 107.53. 
The original and corrected home sales values are as follows:

------------------------------------------------------------------------
                                                  Original    Corrected
------------------------------------------------------------------------
Anchorage:
  Lower.......................................      $86,859      $86,733
  Middle......................................      119,561      119,236
  Upper.......................................      149,073      149,124
Fairbanks:
  Lower.......................................       78,804       76,086
  Middle......................................       97,110    No change
  Upper.......................................      122,196      112,128
------------------------------------------------------------------------

    Guam indexes. We had inadvertently omitted cellular phone service 
when calculating telephone expenses for the homeowner and renter 
indexes in Guam. We had also used an incorrect value for the Guam 
personal insurance and pensions index. While correcting these increased 
the Guam local retail total comparative cost index to 122.63 and the 
Guam commissary and exchange index to 119.09, these increases did not 
increase the actual COLA rates for Guam.
    Renter characteristics and survey communities. In Table 4-2, 
Housing Profiles, we should have shown one bath instead of two for 
middle income renters. For upper income renters, we should have shown 
the rooms as 2-3 bedrooms and 4-5 rooms total. Also, in appendix 11, we 
should have noted in the footnotes that we relaxed the community 
specifications for the broker data. We have made these corrections in 
the 1998 survey report. None of these changes affected the indexes.

Comments on 1997 Survey Report

    OPM published the report on the 1997 surveys for comment in the 
Federal Register on October 21, 1998 (63 FR 56432). We received five 
written comments and additional oral comments.
    Generally, the commenters believed the surveys did not fully 
consider all expenses incurred in the allowance areas. Some commenters 
felt the surveys did not account for dissimilarities between the 
allowance areas and the Washington, DC, area, and that this affected 
the accuracy of the survey results.
    OPM recently participated in a major initiative under a memorandum 
of understanding with plaintiffs in certain COLA litigation. That 
initiative studied many of these issues. We also engaged in a 2-year 
partnership pilot project that looked into many of the same issues. We 
describe these two efforts below, then discuss the substantive comments 
we received in response to the 1997 survey report.

Memorandum of Understanding and Report to Congress

    In 1996, OPM entered into a memorandum of understanding (MOU) with 
litigants in the cases of Alaniz v. Office of Personnel Management and 
Karamatsu v. United States. The MOU committed OPM and the litigants 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 of the Safe Harbor process was to resolve long-
contested COLA issues and to assist OPM in preparing a report to 
Congress on the COLA program. This report, required by the Treasury, 
Postal Service, and General Government Appropriations Act, 1992 (Pub. 
L. 102-141), as amended, was due by March 1, 2000. However, the 
Government and

[[Page 44104]]

plaintiffs are currently negotiating to settle the contested issues. If 
the parties achieve settlement, OPM will make many substantive changes 
in the COLA methodology. Therefore, we have notified Congress that we 
will report after we conclude the settlement process.
    During the Safe Harbor process, we avoided making substantive 
policy changes in the COLA program. We made administrative changes as 
necessary and implemented other improvements in response to the 
comments we received. We list these changes in the survey report.

COLA Partnership

    In November 1996, we established a 2-year pilot project to involve 
agency and employee representatives in a partnership with OPM to help 
us administer the nonforeign area COLA program. Our goal was to 
introduce a cooperative effort to help us plan and conduct COLA 
surveys, explore ways to improve the COLA program, and help everyone, 
including OPM, better understand issues related to the compensation of 
Federal employees in the COLA areas.
    OPM worked with committees established under the pilot project to 
plan and conduct both the 1997 and 1998 living-cost surveys in the COLA 
areas. Although the pilot project expired in November 1998, OPM 
continued to work informally with interested committee members in the 
analysis of the 1998 survey results.

Goods and Services

    One commenter suggested that we survey costs for building materials 
such as plywood, framing lumber, cabinets, carpet, and roofing 
materials. The commenter noted that delivery of these materials to 
Juneau takes a minimum of 2 weeks, resulting in project delays and 
higher costs. We currently survey various building material items, 
including paint, electrical outlets, area rugs, and caulking. We also 
survey the cost for interior painting and an electrical project, which 
should reflect higher costs due to material supply delays. Based on 
this suggestion, we collected prices for plywood on a test basis during 
the 1998 surveys. We obtained usable data and included these prices in 
our analysis.
    The same commenter suggested that OPM consider surveying the cost 
of an oil change, appliance repair, and dry cleaning. In this and 
previous surveys, we surveyed both the cost of oil changes and dry 
cleaning. This year, we added appliance repair as a test item and found 
that we were able to collect comparable data across areas. Therefore, 
we used the results of this test item.
    The commenter also suggested that OPM survey landfill charges for 
trash and recyclable material disposal. Consumer trash removal is often 
a tax-supported service or is included in the water-sewer bill. We 
believe the extent to which consumers pay landfill fees in lieu of 
higher taxes or utility fees probably differs significantly by area, 
and we have no information that would allow us to take these 
differences into consideration. Therefore, we are not adopting this 
suggestion.
    One commenter suggested that OPM consider pricing both basic cable 
TV service and the next higher level of service, at least on a test 
basis. We adopted the change as a test item for the 1998 survey, but 
found we could not obtain comparable data across areas. Therefore, we 
did not use prices for level 1 cable TV service in any area.
    The same commenter noted that some hospitals in Hawaii have only 
private rooms, not semi-private rooms as OPM surveyed in 1997. The 
commenter suggested pricing both private and semi-private hospital 
rooms. We adopted this change for the 1998 survey.
    A commenter suggested surveying the price of specially formulated 
paints that inhibit mildew or pricing mildew additive. For the 1998 
survey, we priced mildew additive in each area and added it to the 
price of a gallon of paint.
    A commenter suggested OPM add personal computers to the survey. We 
researched this, but found that it was not feasible to survey 
comparable brands and models across areas. However, we plan to 
reconsider surveying this item, perhaps on a test basis, in future 
surveys.
    One commenter noted that sales taxes were increasing in Juneau to 
cover various new facilities and services. We include the local sales 
tax in the price of items we survey; therefore, the data we use in our 
price comparisons reflect sales tax increases.
    The same commenter remarked that the closing of a department store 
and a pharmacy in Juneau reduced the availability of certain items. The 
extent to which fewer goods or services leads to higher costs is 
reflected in the item prices we collect. The availability of goods and 
services in the allowance areas was one of the research topics under 
the MOU.
    One commenter remarked on the frequency of sales in the Washington, 
DC, area compared to Juneau. In the 1998 and previous surveys, we 
compared only non-sale prices of identical items from similar outlets. 
In future surveys, however, we plan to survey the price of the item at 
the time of the survey. If we adopt this change, we will collect both 
sale prices and regular prices, depending on whether the item is on 
sale at the time we visit the outlet.

Housing

    One commenter felt that the median price used by OPM for upper 
income house sales in Anchorage was too low to be an accurate 
reflection of prices for upper income homes. The commenter believed 
that the lower priced homes could not have been in liveable condition 
or in a safe neighborhood. We used data provided by an Anchorage real 
estate broker on homes that were sold during the period August 1, 1996, 
through July 31, 1997. We looked at over 750 upper income home sale 
prices in south Anchorage, and we believe these produced a 
representational median.
    The same commenter recommended that we examine earthquake and flood 
insurance needs by individual allowance area. In 1992, OPM's contractor 
for the cost-of-living surveys, Runzheimer International, investigated 
homeowner/renter insurance coverage for floods and earthquakes in each 
individual allowance area. Runzheimer found that less than 10 percent 
of the population in each of the allowance areas purchased these 
coverages. Because most homeowners and renters do not purchase an 
earthquake rider, we do not include it in our surveys. Furthermore, 
whether lenders require homeowners to buy flood insurance depends on 
where the property is located, and this can be an insurance requirement 
in any area, including for properties along the rivers and streams in 
the Washington, DC, area. We are not aware of any data source that 
would allow us to determine for each survey area the percent of 
properties in a flood zone.Therefore, we do not survey the cost of this 
type of coverage. However, we do survey the cost of hurricane and 
typhoon insurance in tropical COLA areas, where lenders typically 
require this coverage.
    Another commenter noted that housing costs are high in Juneau. Our 
survey of home sales data and other housing expenses in Juneau should 
capture these costs.
    A commenter from the Virgin Islands noted that many employees live 
on the island of St. John. Recognizing that it was not feasible to 
price all survey items on St. John, the commenter suggested that OPM 
survey home sales and rental prices and combine these data with the St. 
Thomas data. We adopted this change for the 1998 survey.

[[Page 44105]]

Transportation Component

    Two commenters suggested that OPM reconsider the models of 
automobiles it prices in the COLA surveys. One commenter suggested that 
OPM survey more sports utility vehicles. The other suggested that OPM 
survey a luxury brand, such as BMW. We did not adopt either of these 
suggestions. We survey three models--Honda Civic, Ford Taurus, and 
Chevrolet Blazer. These are popular brands and models, although their 
popularity differs from one area to the next. It was not feasible for 
us to vary the brands and models by area with the 1998 survey. However, 
it may be possible to do this in future surveys. As with all survey 
items, we will consider changing models and brands in future surveys in 
response to changes in consumer preferences.
    One commenter believed we should include the cost of windshield 
repairs in our survey of vehicle repair costs for Alaskans. In the 1997 
survey, we surveyed the frequency and cost of windshield replacement in 
all of the COLA areas and in the DC area. We found that frequency of 
windshield replacement was greater in Alaska than in the DC area, but 
that the frequency of windshield replacement in the other COLA areas 
was about the same as in the DC area. We also found that the cost of 
windshield replacement in Alaska was greater than the automobile 
insurance deductible priced in the COLA surveys. Since consumers pay 
only the deductible for these repairs, we do not need to survey this 
item. Instead, we add the cost of the deductible to the annual private 
transportation costs for the Alaska areas. This was done for both the 
1997 and 1998 surveys.
    One commenter suggested that we use the NADA or Kelly Blue Book for 
the Pacific region to determine the used car values we use in the COLA 
model. We use the residual value of a car after 4 years to calculate 
the annual depreciation expense associated with owning an automobile. 
We currently use books covering the Eastern region. We researched this 
issue and found that prices in the Pacific region books tend to be 
slightly higher than in the Eastern region books. However, for 
administrative simplicity, we did not adopt the proposal because using 
different residual values for some areas and not others would have 
significantly complicated the COLA model. The effect of retaining the 
current practice may slightly overstate living costs in the COLA areas.
    One commenter noted that airline competition decreased in Juneau. 
Our survey of airfare costs should capture any higher ticket prices 
that result from reduced competition.
    Another commenter suggested that OPM price the cost of an airline 
ticket purchased 2 weeks in advance. As used in the COLA model, 
airfares reflect the cost of vacation travel. We researched the 
availability and prices of airline tickets and found that generally the 
best deals were available if the ticket was purchased at least 3 weeks 
in advance and the traveler flew mid-week (i.e., Tuesday through 
Thursday). Therefore, for the 1998 surveys in both the COLA areas and 
the Washington, DC, area, we priced the lowest airfares available 3 
weeks in advance, departing on a Tuesday and returning on a Thursday, 
because this best reflects likely vacation travel.

Miscellaneous Component

    Medical care. One commenter felt that medical care in Juneau was 
limited, resulting in higher health care costs and inferior health 
care. The commenter said there was a need for costly travel outside the 
area to obtain some medical services. We currently price a range of 
medical services within each area, and the COLA model captures any 
higher local prices.
    Travel outside the area for medical service is another issue. Some 
travel may result from an employee's perceptions about the quality of 
local medical services. We know of no source that allows us to compare 
objectively the quality of medical services across areas. Therefore, we 
do not take into account the cost of unreimbursed travel for medical 
services or any differences in the quality of health care.
    A commenter from Puerto Rico believed that a major health benefits 
plan in that area provided a lower level of coverage than most plans in 
the DC area. The commenter also said the service covered was 
inconvenient because it required the employee to use preferred 
providers who often did not accept appointments. Employees had to show 
up and wait to be seen. The commenter suggested that OPM review and 
compare the various Federal health benefits plans. We were unable to do 
this because it would require us to make subjective decisions about 
what employees do. For example, if an employee chooses a plan that is 
less convenient or provides a lower level of coverage, the employee 
accepts inconvenience and lower coverage as a trade-off for the lower 
insurance premium, presumably with the expectation that the service/
coverage may not be necessary. It is a highly subjective decision that 
each employee makes. We know of no objective way to quantify this.
    Another commenter suggested that OPM price psychiatric counseling. 
We believe it might be feasible to collect prices for this service in 
each area, but under the current methodology, the weight we would 
assign it would be very small. (We discuss how we derive and assign 
weights in section 2.3 of the report.) Therefore, we did not add this 
item to the survey because it would have increased the administrative 
and public burden of the survey with little chance of affecting the 
results.

Other Comments

    Locality pay. One commenter noted that Federal employees in Juneau 
do not receive the locality pay increases received by employees in the 
Washington, DC, area. The locality pay law (5 U.S.C. 5304) prohibits 
the Government from providing locality pay to employees outside the 48 
States and the District of Columbia.
    Retirement. The same commenter was concerned that COLAs do not 
count for retirement purposes for employees in the allowance areas. 
Federal law excludes allowances (including COLAs) from basic pay in the 
computation of retirement annuities. (See 5 U.S.C. 8331(3) and 
8401(4).)

Office of Personnel Management.
Janice R. Lachance,
Director.

Report on 1998 Surveys Used to Determine Cost-of-Living Allowances 
in Nonforeign Areas

Table of Contents

Executive Summary
1. Introduction
    1.1  Report Objectives
    1.2  The COLA Partnership Pilot Project
    1.3  The Safe Harbor Process
    1.4  Changes in the 1998 Survey
    1.5  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
    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  Data Collection

[[Page 44106]]

    2.5.2  Inclusion of Sales and Excise Taxes
    2.5.3  Surveying the Washington, DC, Area
    2.6  Step 5: Analyzing Data and Computing Indexes
    2.6.1  Indexes
    2.6.2  Item Weights
    2.6.3  Category and Component Weights
    2.6.4  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
    4.3  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  Private Education (K-12) Category
    6.3.3  Contributions Category
    6.3.4  Personal Insurance and Retirement Category
    6.4  Miscellaneous Expense Analyses
7. Final Results
    7.1  Total Comparative Cost Indexes

List of Appendices

Appendix 1: Publication in the Federal Register of Prior Survey 
Results: 1990-1998
Appendix 2: Federal Employment Weights
Appendix 3: Consumer Expenditure Surveys
Appendix 4: CES Category and Component Expenditures
Appendix 5: Item Descriptions
Appendix 6: Principal Pricing Changes
Appendix 7: Consumption Goods and Services Analysis
Appendix 8: OPM Living Community List
Appendix 9: Historical Home Market Values and Interest Rates
Appendix 10: Historical Housing Data
Appendix 11: Summary of Rental Data Analyses
Appendix 12: Housing Cost Analysis
Appendix 13: Housing Analysis
Appendix 14: Private Transportation Cost Analysis
Appendix 15: Auto Insurance Calculation Worksheet Special Limits 
Adjustments
Appendix 16: Air Fares Cost Analysis
Appendix 17: Transportation Analysis
Appendix 18: Transportation Summary
Appendix 19: Miscellaneous Expense Analysis--Total Index Development
Appendix 20: Miscellaneous Expense Summary
Appendix 21: Component Expenditure Accounts
Appendix 22: Total Comparative Cost Indexes

Executive Summary

    The Government pays cost-of-living allowances (COLAs) to Federal 
employees in nonforeign areas in consideration of living costs higher 
than in the Washington, DC, area. The Office of Personnel Management 
(OPM) conducts living-cost surveys in order to set the COLA rates. This 
report provides the results of the 1998 living-cost surveys and 
compares living costs in the nonforeign COLA areas to those in the 
Washington, DC, area.
    We conducted surveys in Alaska, Hawaii, Guam, Puerto Rico, the U.S. 
Virgin Islands, and the Washington, DC, area. We then analyzed the 
survey data and produced this report. For the surveys, we contacted 
about 4,000 outlets and collected approximately 26,000 prices on about 
252 items representing typical consumer purchases. We then combined the 
data using consumer expenditure information developed by the Bureau of 
Labor Statistics. The final result is a series of living-cost indexes, 
shown in Table E-1, 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..........................................       105.65
Fairbanks, Alaska..........................................       109.19
Juneau, Alaska.............................................       110.46
The rest of the State of Alaska............................       131.58
City and County of Honolulu, Hawaii........................       124.51
Hawaii County, Hawaii......................................       110.89
Kauai County, Hawaii.......................................       117.19
Maui County, Hawaii........................................       120.32
Guam/CNMI*, Local Retail...................................       125.23
Guam/CNMI, Commissary/Exchange.............................       121.12
Puerto Rico................................................       105.93
U.S. Virgin Islands........................................      116.33
------------------------------------------------------------------------
*CNMI=Commonwealth of the Northern Mariana Islands

1. Introduction

1.1  Report Objectives
    This report provides the results of the 1998 surveys. Appendix 1 
lists previous survey reports and their publication dates. 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 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  The COLA Partnership Pilot Project
    In November 1996, OPM established the COLA Partnership Pilot 
Project, a 2-year pilot project designed to assist us in administering 
the COLA program. (See 61 FR 59173.) The pilot project established COLA 
Partnership Committees and Subcommittees in Alaska, Hawaii, Guam, 
Puerto Rico, and the U.S. Virgin Islands. Members of the committees and 
subcommittees included representatives from local area unions and 
agencies, as well as representatives from OPM.
    The Committees and Subcommittees worked with OPM in varying degrees 
to plan the COLA surveys, observe the data collection, and advise OPM 
on the COLA program and on compensation issues relating to the COLA 
areas. We have adopted a number of the changes recommended by the 
Committees and Subcommittees since the start of the project. However, 
OPM did not renew the COLA Partnership Pilot Project

[[Page 44107]]

when it expired because we were involved in discussing the nature of 
future employee involvement in the COLA program as part of the MOU 
process. The pilot project ended on November 23, 1998.
1.3  The Safe Harbor Process
    In 1996, we entered into a memorandum of understanding (MOU) with 
litigants in the cases of Alaniz v. Office of Personnel Management and 
Karamatsu v. United States. Under the MOU, we committed to a ``Safe 
Harbor'' process with the litigants to conduct studies relating to the 
COLA program and the compensation of Federal employees in the allowance 
areas. The Safe Harbor process had two primary goals: (1) To resolve 
long-contested issues in the COLA program and (2) to assist OPM in 
preparing a report to Congress on the COLA program.
    This report, required by the Treasury, Postal Service, and General 
Government Appropriations Act, 1992 (Pub. L. 102-141), as amended, was 
due by March 1, 2000. However, since the Government is currently 
negotiating to settle several pending court cases in the COLA areas, we 
will not report to Congress until after the Government concludes these 
negotiations.
1.4  Changes in the 1998 Survey
    During the course of the COLA Partnership Pilot Project and the 
Safe Harbor process, we generally avoided making substantive changes in 
the COLA program. As with previous surveys, we did make a few non-
substantive changes in the 1998 surveys. The majority of these changes 
related to items or outlets surveyed. (See Appendix 6.)
    One of the changes was in the Goods and Services Component that 
involved obtaining more price quotes for each item. In previous 
surveys, we attempted to get three price quotes (one for each item at 
three different suitable outlets) for most items in each survey area. 
In the 1998 survey, we attempted to obtain up to nine price quotes for 
many items. This significantly increased the number of price 
observations we used in this survey.
1.5  Pricing Period
    We traveled to the COLA areas in October and November 1998 to 
collect the living-cost data. During the same time frame, we collected 
data in the Washington, DC, area. We collected the prices of some 
items--those dependent upon the pricing of other items--later. Because 
we conducted the surveys in October and November, we were not able to 
collect prices for some winter items, such as downhill skiing.
    As in previous surveys, we priced some catalog items. We used only 
catalogs that sell merchandise in both the allowance areas and the 
Washington, DC, area. To ensure consistent catalog pricing, we used 
only current catalogs 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 typical items that people purchase in these locations,
--Calculating their respective cost differences, and
--Combining costs according to their relative 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 the target 
analysis (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 white-
collar Federal employees who have annual base salaries between 
approximately $13,000 and $94,300, the range of the 1998 General 
Schedule. Because living costs may vary depending on an employee's 
income level, we analyze living costs at three income levels.
2.2.1  Federal Salaries
    To determine the appropriate income levels, we--
    1. Analyzed the 1998 distribution of salaries for General Schedule 
employees in all of the allowance areas combined;
    2. Divided this distribution into three income groups of equal size 
and identified the minimum, maximum, and median salary in each group;
    3. Rounded the median values to the nearest $100 to produce the 
three representative income levels of $23,300, $35,300, and $52,700;
    4. 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; and
    5. 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
    We used the minimum and maximum values of each income group and the 
1998 distribution of General Schedule employees by salary in each 
allowance area to derive employment weights. We combined these with 
similar data from 1995 and 1996 to produce a moving average. (We use 
moving averages to lessen index changes caused by the introduction of 
new weights over time.) From these averages, we calculated the 
percentage of the General Schedule workforce in each income group in 
each area. These percentages became the weights we used to combine 
estimated expenditures to compute the final index. Appendix 2 shows the 
General Schedule employment distributions and how we derived the 
percentage weights. Appendix 21 shows how we used the weights in the 
final calculations.
2.3  Step 2: Estimating How People Spend Their Money
2.3.1  Consumer Expenditure Survey
    We base expenditure patterns used in the calculations on national 
data from the Consumer Expenditure Survey (CES). We obtained from the 
Bureau of Labor Statistics (BLS) ``prepublished'' CES results for 1994, 
1995, and 1997. BLS has advised us that ``prepublished'' CES data may 
not be statistically significant. To our knowledge, however, it is the 
only source of comprehensive consumer expenditure information by income 
level. Therefore, we use it in the model.
    We use CES data in two ways: (1) To identify appropriate items for 
the survey and (2) to derive item, category, and component weights. The 
item weights are not income-sensitive. We analyze aggregated CES data 
by income level to derive category and component weights. These weights 
are income-sensitive. Appendices 3 and 4 show the CES data we used in 
this study. As with the Federal employment weights, we combined the 3 
years of CES data to produce a moving average.
2.3.2  Expenditure Categories and Components
    BLS groups CES items into small, logical families. For example, BLS

[[Page 44108]]

groups CES pre-published data for beef into four subcategories: Ground 
beef, roast, steak, and other. BLS further separates the steak and 
roast groupings into smaller clusters of items (e.g., sirloin and round 
steak, chuck and round roast). We separated the CES items into the four 
main cost components specified in our regulations: Consumption Goods 
and Services, Transportation, Housing, and Miscellaneous Expenses. To 
develop weighting patterns for the three income levels, we 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. We converted these 
expenditures to percentages of total expenditures for the four 
components to produce the values shown in table 2-1. These were the 
weights we 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 1995. 
Therefore, for the purpose of these regressions, we adjusted Federal 
salaries to reflect 1995 pay rates. We used the pay increases for 
1996 (2.0%), 1997 (2.3%), and 1998 (2.3%) to deflate the 1998 
salaries. This produced adjusted Federal salaries of $21,826, 
$33,071, and $49,326 for use in the regression equations.

                                       TABLE 2-1.--Component Expenses Expressed as a Percentage of Total Expenses
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                         Goods and
                 1998 income level                    1995 adjusted      services          Housing      Transportation        Misc.            Total
                                                     income level*      (percent)        (percent)         (pecent)        (percent)        (percent)
--------------------------------------------------------------------------------------------------------------------------------------------------------
$23,300...........................................          $21,826            38.07            26.42            19.24            16.27           100.00
 35,300...........................................           33,071            37.48            25.00            19.12            18.40           100.00
52,700............................................           49,326            36.96            23.72            19.01            20.68          100.00
--------------------------------------------------------------------------------------------------------------------------------------------------------
 Note: Values may not total 100 because of rounding.
*Income levels are adjusted as described in footnote 1.

    We further separated Goods and Services Component items into 10 
categories and used linear regression techniques to estimate 
expenditures on these 10 categories by income level. Section 3.1 shows 
the weights for these categories. We also used the same technique to 
compute category weights for the Transportation and Miscellaneous 
Expense 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, we grouped CES items into ``clusters'' of expenses 
to determine which items to survey. We chose these clusters so that no 
market basket item would have an overwhelmingly large or an 
insignificantly small item weight.
    For each of these clusters, we identified a set of items to price. 
Collectively, we call these items a ``market basket.'' Because it would 
have been impractical to survey each of the thousands of items 
consumers might buy, the market basket contains representative items. 
For example, cheddar cheese represents itself and the many other 
cheeses and related products that consumers purchase. The market basket 
that we used had approximately 250 items ranging from table salt to new 
cars to home purchases.
    Whenever practical, we included in the item description the exact 
brand, model, type, and size, so that we could price exactly the same 
items in all areas if possible. For example, we selected a 10.5-ounce 
can of Campbell's vegetable soup for the survey because it is typical 
of canned soups, consumers commonly purchase it, and we find it in all 
areas. Appendix 5 lists the items we survey 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, we changed 
several of the items and descriptions. Appendix 6 lists the major 
changes and the reason for each.
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. 
On St. Thomas, for example, we survey essentially the whole island 
because the island is not that large, and Federal employees live 
throughout the island. For other areas, we had to identify specific 
communities. To do this, we relied mainly on the results of the 1992 
Federal Employee Housing and Living Patterns Survey. Among other 
things, that survey obtained information on where Federal employees 
lived. We used this information, in consultation with the COLA 
Partnership Committees and Subcommittees, to select the living 
communities for pricing housing costs. Again in consultation with the 
Committees and Subcommittees, we identified outlets within a normal 
shopping radius of these housing communities. We generally considered 
outlets within a living community or within an adjoining living 
community to be within a normal shopping radius.
2.4.2.2  Similarity of Outlets
    Whenever possible, we (and the Committees/Subcommittees) selected 
outlets that were popular with consumers and that were comparable to 
outlets in other areas. For example, we surveyed grocery items at 
supermarkets in all areas because most people purchase their groceries 
at such stores and because supermarkets exist in nearly all areas.\2\ 
The selection of comparable outlets is particularly important because 
of the significant price variations that may occur between dissimilar 
outlets (e.g., comparing supermarket prices with convenience store 
prices).
---------------------------------------------------------------------------

    \2\ We surveyed groceries at two kinds of supermarkets (i.e., 
full-service supermarkets and ``warehouse-type'' supermarkets) in 
areas where both types of supermarkets were common and within a 
normal shopping radius of the living communities surveyed. We note, 
however, that some areas do not have warehouse-type supermarkets. We 
did not survey mebership stores, such as Costco, in any area.
---------------------------------------------------------------------------

    Although major supermarkets, department stores, and discount stores 
represented a sizable portion of the survey, we also selected outlets 
to represent the diversity of consumer shopping options. For example, 
we could have used department stores for

[[Page 44109]]

pricing all clothing items. However, this would not have reflected the 
range of consumer choices. Therefore, we priced some clothing items in 
department stores, others in shoe stores, others in discount stores, 
and still others via mail order. For each item, we selected the same 
type of outlet (e.g., clothing store, discount store, department store) 
in each area whenever possible.
2.4.2.3  Catalog Pricing
    We collected 13 item prices by catalog in the survey to reflect 
this common purchasing option. Catalog pricing also allowed the 
comparison of items that we would have had difficulty pricing 
otherwise. We included in the catalog prices any charges for shipping 
and handling and all applicable taxes.
2.5  Step 4: Surveying Prices
    As noted earlier, we obtained approximately 26,000 prices on about 
250 items from about 4,000 outlets. The 26,000 price observations 
represents a significant increase over the 1997 survey. In prior 
surveys, we attempted to get three price quotes (one for each item at 
three different suitable outlets) for most items in each survey area. 
In the 1998 survey, we attempted to obtain up to nine price quotes for 
many items, although we frequently were not able to achieve this goal. 
Also, there were certain exceptions. For example, we obtained 
essentially all of the available home sales and rental data meeting the 
survey specifications. For other items, such as utilities and real 
estate tax rates, we obtained only one quote in each area because these 
items have uniform rates within an area. Because the Washington, DC, 
area has six survey areas, we attempted to get up to nine price quotes 
for many items in each survey area.
2.5.1  Data Collection
    To avoid possible conflicts of interest, OPM central office staff 
collected the price data in each area. In many of the COLA areas, data 
collection observers, usually designated by the local COLA Partnership 
Committee or Subcommittee, accompanied our staff. The observers advised 
and assisted us in contacting outlets, matching items, and selecting 
substitutes. The observers also advised us on living costs and related 
compensation issues in their areas. We found this to be a very 
informative process.
    We collected most data onsite in stores, repair shops, etc. 
However, we priced many items, such as insurance, home maintenance 
services, and private education expenses, by telephone. We collected 
some items, such as property tax rates, from websites on the Internet. 
We also purchased home sales and some rental data from various sources.
2.5.2  Inclusion of Sales and Excise Taxes
    For all items subject to sales and/or excise taxes, we added the 
appropriate amount of tax prior to analysis. We gathered applicable 
information on taxes by contacting appropriate sources of information 
in the allowance areas and the Washington, DC, area.
2.5.3  Surveying the Washington, DC, Area
    As noted above, we attempted 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, we divided the DC 
area into six survey areas: two in the District of Columbia, two in 
Maryland, and two in Virginia. We surveyed outlets within a normal 
shopping radius of the housing communities identified in Appendix 8. We 
combined survey data from each of the six DC survey areas using equal 
weights.
    As in the COLA areas, OPM central office staff collected data 
onsite and by phone in the DC area. Due to funding limitations, 
allowance area data collection observers did not travel to the DC area 
to observe and assist in data collection.
2.6  Step 5: Analyzing Data and Computing Indexes
2.6.1  Indexes
    We derive nonforeign area COLAs from living-cost indexes. These 
indexes are mathematical comparisons of living costs in the allowance 
areas to 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 green beans costs $1.00 in the allowance area and 
80 cents in the DC area, canned green beans are 25 percent more 
expensive in the allowance area than in DC. We can state that 
difference as a price index of 125.
2.6.2  Item Weights
    We computed indexes for hundreds of items. As briefly described in 
section 2.3, we 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 green 
beans has a lower weight than the price of a pound of apples because, 
according to the CES, people generally spend less on canned green beans 
than on apples. (People typically buy more apples than green beans.)
    The COLA model uses a fixed-weight indexing methodology. The model 
bases the weights used on the expenditure patterns of consumers 
nationwide as reported by the CES. This is the only source we are aware 
of that provides expenditure information by income level.
2.6.3  Category and Component Weights
    As described in section 2.3.2, we also computed income sensitive 
category and component weights. This allowed us to combine comparative 
price data in a manner that reflected the spending patterns of people 
at each income level. The way we combined data varied among the 
components.
    For the Goods and Services and Miscellaneous Expense Components, we 
combined indexes within each category using the CES weights to derive 
an overall index for the category. We then combined the category 
indexes into an overall component index using the income-sensitive 
category weights described above. For the Transportation and Housing 
Components, we used the same approach in combination with a cost-build-
up approach. For example, we computed the annual cost of owning and 
operating an automobile by taking individual prices (e.g., automobile 
financing, insurance, gas and oil, and maintenance) and computing an 
overall dollar cost for each area. We compared these costs with those 
in the DC area to compute the Private Transportation Category index. We 
then combined this index with the Other Transportation Category index 
using income sensitive category weights to compute an overall 
Transportation Component index for each area.
2.6.4  Computing the Overall Index
    We combined the item, category, and component indexes using the 
process prescribed in section 591.205(c) of title 5, Code of Federal 
Regulations. This is a five-step process that involves converting the 
indexes to dollar values, which we then weight, combine, and compare to 
compute a final weighted-average index. We describe the process in 
detail below.
    First, we 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 21. We derived the amounts by taking the 
component weights shown in Table 2-1 and multiplying them times the

[[Page 44110]]

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...........................................      $8,870      $6,156        $4,483        $3,791     $23,300
Middle..........................................      13,230       8,825         6,749         6,495      35,300
Upper...........................................      19,478      12,500        10,018        10,709     52,700
----------------------------------------------------------------------------------------------------------------
Note: Values may not total because of rounding here and in Table 2-1.

    Second, for each allowance area, we 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), we produced total relative costs separately for owners 
and renters.
    Third, for each allowance area and income level, we 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, we 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, we 
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. The last section of this report and Appendix 22 
show these indexes.

3. Consumption Goods and Services

3.1  Categories and Category Weights
    Based on the CES data, we identified 10 categories of expenses 
within the Goods and Services Component. Using linear regression 
analyses and the CES data, we identified the portion of total Goods and 
Services expenditures that the typical consumer spends in each category 
at various income levels. Table 3-1 shows the categories and the 
relative expenditures.

   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.....................        27.03        24.05        21.30
Food away from home..............        13.43        14.18        14.87
Tobacco..........................         2.82         2.34         1.90
Alcohol..........................         2.33         2.40         2.47
Furnishings & household                  15.36        16.64        17.82
 operations......................
Clothing.........................        13.02        13.50        13.94
Domestic service.................         1.73         1.95         2.15
Professional services............         7.09         6.82         6.57
Personal care....................         3.91         3.77         3.64
Recreation.......................        13.27        14.35        15.34
                                                                  √
                                  --------------------------------------
    Totals.......................       100.00       100.00      100.00
------------------------------------------------------------------------
Note: Values may not total 100 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. We aggregated the resulting price ratios into 
subcategory and then category indexes using the moving-average 
expenditure weights derived from the CES data.
    Appendix 7 shows for each allowance area 10 category indexes, the 
weights used at each of the 3 income levels, and the overall Goods and 
Services Component indexes. The appendix does not include the 
Washington, DC, area 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, some employees 
have such access, so we priced the same market basket of Goods and 
Services items at the commissaries and exchanges in Guam as we used for 
the local retail pricing. We obtained one price quote for each market 
basket item found in these facilities.
    Employees who have access to military facilities make some of their 
purchases in these facilities and make other purchases elsewhere. 
Therefore, we used the results of a survey of Federal employees to 
determine the percentage of purchases that families typically make in 
military facilities versus local outlets. For example, as Table 3-2 
shows, we estimated that employees with commissary/exchange

[[Page 44111]]

access in Guam purchase approximately 70 percent of their Food at Home 
items at a commissary and purchase the remaining 30 percent 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. oper...................................         64.5
Clothing...................................................         43.7
Domestic service...........................................          0.0
Professional services......................................          0.0
Personal care..............................................         49.3
Recreation.................................................         49.7
------------------------------------------------------------------------

    We used these percentages to aggregate the local retail and 
commissary/exchange prices into one set of appropriate, blended prices, 
which we refer to as the Commissary/PX prices. We compared the blended 
prices to the local retail prices in the Washington, DC, area to 
compute Commissary/PX Goods and Services Category indexes. We then 
combined these indexes 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, we combined the Guam 
Commissary/PX Goods and Services Component index 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, we measured the annual housing 
costs for homeowners and renters separately. We then combined the 
results using as weights the percentages of owners and renters reported 
by the CES.
4.2  Housing Model

4.2.1  Expenditure Research

    We used the CES 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, we calculated the owner and rental weights shown in Table 4-1 
and in Appendix 22. We excluded data for homeowning families without a 
mortgage because they were not typical of Federal homeowners in the 
base area or in the allowance areas.

                    Table 4-1.--Owner/Renter Weights
------------------------------------------------------------------------
                                               Income levels
                                  --------------------------------------
             Category                 Lower        Middle       Upper
                                    (percent)    (percent)    (percent)
------------------------------------------------------------------------
Homeowner with mortgage..........        37.96        47.26        60.70
Renter...........................        62.04        52.74        39.30
                                  --------------------------------------
    Totals.......................       100.00       100.00       100.00
------------------------------------------------------------------------

    We also used the CES data 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, we used six typical 
housing profiles--three for homeowners and three for renters. Table 4-2 
shows these profiles. We assigned one owner and one renter profile to 
each income level. We attempted to collect information on the living 
area, numbers and types of rooms, and other information that might 
influence home sale or rental prices. This information was rarely 
available for rental units, so we relied on bedroom count and living 
community to segregate rental prices by income level. We used the 
additional information shown in Table 4-2, however, during the 
interview of rental brokers to collect broker data.
    Information about characteristics of houses sold was also difficult 
to collect on a consistent basis across all areas. Although detailed 
information about the houses sold was available for many areas, it was 
not available for other areas, including the District of Columbia and 
the Maryland suburbs of the Washington, DC, area. The only housing 
characteristics that were consistently available across all areas were 
house type and size. We surveyed only the prices of single family 
detached houses in each area and relied mainly on house size and living 
community to segregate home sales by income level. As shown in Table 4-
2, these size ranges overlap. Therefore, when we priced housing in the 
same living community at two or more income levels, we used the 
additional information to separate home sales observations into the 
appropriate income level so that no single home sale observation 
appeared at more than one income level.

                                          Table 4-2.--Housing Profiles
----------------------------------------------------------------------------------------------------------------
                                                  Renters                                 Owners
                                 -------------------------------------------------------------------------------
          Income level                                    Additional                              Additional
                                  Key characteristic      information     Key characteristic      information
----------------------------------------------------------------------------------------------------------------
Lower...........................  1 bedroom           3 rooms total, 1    Detached house,     4 rooms total, 2
                                   apartment.          bath; reference     600 to 1,200 sq.    bedrooms, 1 bath;
                                                       size: 600 sq. ft.   ft.                 reference size:
                                                                                               900 sq. ft.
Middle..........................  2 bedroom           4 rooms total, 1    Detached house,     5 rooms total, 3
                                   apartment.          bath; reference     1,000 to 1,600      bedrooms, 1 bath;
                                                       size: 900 sq. ft.   sq. ft.             reference size:
                                                                                               1,300 sq. ft.

[[Page 44112]]

 
Upper...........................  2 bedroom           4 rooms total, 2    Detached house,     7 rooms total, 3
                                   townhouse or        baths; reference    1,400 to 2,300      bedrooms, 2
                                   detached house.     size: 1,100 sq.     sq. ft.             baths; reference
                                                       ft.                                     size: 1,700 sq.
                                                                                               ft.
----------------------------------------------------------------------------------------------------------------

    We use the reference sizes in Table 4-2 for the calculation of 
utility costs in the model. (See section 4.2.4.1.) As noted above, they 
are not the only sizes surveyed for each profile.
4.2.3  Living Community Selection
    As discussed briefly in section 2.4.2.1, we identified the living 
communities for the survey based on the results of the 1992 Federal 
Employee Housing and Living Patterns Survey and in consultation with 
the COLA Partnership Committees and Subcommittees. Appendix 8 
identifies the survey communities. As with previous surveys, we 
identified nine homeowner and nine renter communities for the 
Washington, DC, area--one for each income level in each of the three 
areas (DC, Maryland, and Virginia). In the allowance areas, we 
identified up to three homeowner and three renter communities--one for 
each income level.
    We could not achieve the three-community owner/renter goal in many 
of the allowance areas because of the relatively few home sales and 
rental opportunities or data availability in these areas. In such 
areas, we collected prices for the entire survey area or allowance area 
rather than in specific communities. We did this in Fairbanks, Juneau, 
Nome, Hilo, Kailua Kona, Kauai, Maui, Guam, St. Croix, and St. Thomas/
St. John. In these areas, we included all home sales and/or rental 
rates meeting the housing characteristics for the particular income 
group in the analysis.\3\
---------------------------------------------------------------------------

    \3\ In Puerto Rico we were able to obtain relatively few broker 
rental quotes for the communities identified in the survey 
specifications. Therefore, we relaxed the community specifications 
and used broker rental data for all communities in the greater San 
Juan metropolitan area.
---------------------------------------------------------------------------

    For most areas in which we identified discrete living communities, 
we used zip code boundaries. The exceptions were Anchorage and San 
Juan. In Anchorage, we used the multiple listing service location codes 
that realtors commonly use in that area. In San Juan, we used the name 
of the municipio or community.
4.2.4  Housing-Related Expenses
    Based on the CES data, we categorized housing-related expense items 
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, and water. Many 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, we needed a 
factor to derive the utility rates at each of the home profiles. Table 
4-3 shows the standard square foot sizes and utility factors used for 
each home profile. We calculated the factors by assuming that utility 
use increases or decreases at half the rate that square footage 
increases or decreases.

                                           Table 4-3.--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, we obtained the price of each of the types of 
utilities noted above. Where available, we also gathered from local 
utility companies information on average annual consumption data per 
household. We used the local rates and consumption information to 
compute average annual utility costs. We then used the above factors to 
adjust the total annual utility costs for each of the various housing 
profiles.
    In the DC area, we were unable to obtain estimates for electricity 
usage for houses heated by gas or oil. However, we were able to obtain 
kilowatt usage for all-electric houses. In order to avoid potential 
double counting of utility costs, we used the all-electric data for the 
DC area. Double counting utility costs 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. In the Alaska surveys, we price gas or oil in addition 
to electricity.
    Telephone. Telephone expenses consisted of local service charges, 
additional charges for local calls (if applicable), charges for long 
distance calls, and basic cellular phone service. To measure estimated 
expenses for local service and local calls, we surveyed the cost of 
touch-tone service with unlimited calling in each area. To estimate 
long distance charges in all areas, we priced from a major long 
distance provider the cost of three 10-minute direct dial calls per 
month to large U.S. mainland cities (Los Angeles, Chicago, and New 
York). As in previous surveys, we priced 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.
    We also priced the basic monthly plan for cellular phone service in 
each area. We derived weights from CES data to

[[Page 44113]]

account for the portion consumers spend on regular phone service and 
cellular phone service. We then used these weights to combine the 
prices of these two types of phone service.
4.2.4.2  Real Estate Taxes
    For this study, we contacted the local tax assessors or municipal 
websites on the Internet to obtain real estate tax information on the 
living communities surveyed. We applied these real estate tax formulas 
to the median home values for each income level to estimate annual real 
estate taxes.
4.2.4.3  Owners/Renters Insurance
    We gathered homeowners' insurance rates for each of the survey 
areas for both renter and owner profiles. For renters, we used the 
following estimated content values: $25,000 at the lower income level, 
$30,000 at the middle income level, and $35,000 at the upper income 
level. We raised the values for the middle and upper income levels this 
year after examining test data collected during the 1997 surveys at the 
request of the Guam COLA Partnership Committee.
    For homeowners, the cost of insurance was dependent on the median 
home values calculated as part of this survey. In most areas, we 
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, we used 50 percent.
    We priced hurricane insurance in all of the Hawaii allowance areas, 
Guam, Puerto Rico, and the U.S. Virgin Islands. In research previously 
conducted for OPM, the contractor found that homeowners and renters 
rarely purchased insurance coverage for other disasters, such as floods 
and earthquakes, in any of the allowance areas. (See section 4.2.4.3 of 
the Report to OPM on Living Costs in Selected Nonforeign Areas and in 
the Washington, DC, Area, December 10, 1992, at 57 FR 58556.) Insurers 
we contacted in the 1998 survey indicated that this is still the case. 
Therefore, we did not survey additional riders for flood or earthquake 
insurance.
4.2.4.4  Home Maintenance
    We computed estimated home maintenance expenses for each of the 
homeowner and renter profiles. We derived separate home maintenance 
expenditure amounts for both owners and renters from the CES. Not 
surprisingly, the CES indicates that renters spend relatively little on 
home maintenance compared with homeowners.
    As done in previous surveys, we 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, we did not price pest control 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 and renter 
profiles, we computed an index for each maintenance item by comparing 
the allowance area price to the DC area price. As with the Goods and 
Services Component items, we used the CES data to weight these 
maintenance indexes into an overall home maintenance index for each 
area.
    To combine the maintenance indexes with the other homeowner and 
renter costs, which were expressed in dollar amounts, we converted the 
indexes to dollars. We did this by multiplying the index for each area 
by the average maintenance expense reported in the CES for owners and 
renters. We assigned this cost to the middle-income homeowner and 
renter 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, we applied the same 
owner and renter multipliers used in the utilities model to recognize 
differences in maintenance costs due to house size at the various 
income levels.
4.3  Housing Data Collection Procedures
    We collected home sales information from multiple listing type 
services and rental information mainly from rental brokers and 
advertisements.
4.3.1  Homeowner Data Collection
    We obtained the selling prices of homes that matched the housing 
profiles in each living community for home sales that occurred roughly 
during the 12-month period preceding and including the survey month. 
The amount of data obtained depended on the number of home sales in the 
community and the availability of square footage and other information 
on housing characteristics. This in turn depended on the size of the 
community, economic conditions, the quality and quantity of realty data 
available, and the willingness and ability of local realty 
professionals to provide data.
    We obtained relatively large quantities of home sales data in all 
areas except Nome. In Nome, home sales were extremely limited because 
Nome is not very large. In previous surveys, we also obtained 
relatively little data in St. Thomas. This year, we obtained and used 
housing data for both St. Thomas and St. John. Also, with the 
assistance of the Virgin Islands Assessor's Office, we obtained 
significantly more data than we have been able to get in previous 
years. These data identified houses that had been significantly damaged 
by hurricanes or other factors, and we excluded these from our 
calculations.
    Identifying houses that were uninhabitable, severely damaged, or 
otherwise in need of significant repairs was impossible for most areas, 
given the limited amount of information available from the listing 
services. As discussed in section 4.4.1 below, we use the median rather 
than the average home value to compute housing costs. (The median is 
the middle value in a rank-ordered set of observations and tends to be 
less sensitive than the average to unusually low or high values at the 
ends of a range of data.) Nevertheless, in some of the databases we 
purchased, the quantity of exceptionally low priced homes had a 
significant effect on the median. Therefore, in all areas, we trimmed 
home sale prices that were less than $30,000, recognizing that $30,000 
was probably a conservative price threshold for most areas. We trimmed 
homes of $1,000,000 or more at the upper level. We also trimmed 
properties of 1 acre or larger.
4.3.2  Renter Data Collection
    We also obtained rental data 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. We discuss the 
methodology used to analyze these two data sets 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. For each income profile 
in each allowance area and the Washington, DC,

[[Page 44114]]

area, we computed price per square foot for each of the comparables and 
determined the median price per square foot. We use the median 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. We then multiplied the 
median price per square foot by the reference square footage for the 
income level to determine the home purchase price.
    As was done in the last survey, we also used historical housing 
data in addition to data collected in this survey. Appendix 9 shows 
these data. For all areas except Oahu, 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 (December 10, 1992) . All housing values are based on the 
community selections and analytical methodologies used at the time of 
each respective survey.
    For Oahu, we surveyed housing prices in new living communities 
beginning with the 1997 surveys. Because our historical data did not 
cover these communities, we obtained additional historical price data 
for use in our 1997 and subsequent survey analyses.
    The historical housing data used were estimated annual principal 
plus interest payments by income level in each area. To combine these 
data, we used weights that we 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. Appendix 10 shows the 
historical housing weights and analyses.
4.4.2  Rental Data Analysis
    We assigned each rental quote to a single income level based on the 
criteria shown in Table 4-2. As discussed earlier, we received rental 
data from both broker and non-broker sources. In each area, the 
quantity of data obtained from either source varied significantly. 
Therefore, we found that analyzing all of the rental data (both broker 
and non-broker) together for an area and income level was undesirable. 
Instead, we analyzed broker and non-broker data separately by income 
level.
    As with the housing data analyses, we used the median rental 
values. For each income level, we separately ranked rental rates from 
low to high for broker and non-broker data. We determined the median 
values for broker and non-broker data for each group and then averaged 
them to compute a single rental value for each income level. Because we 
have no information on how the Federal employees who rent generally 
secure their lodgings, we applied equal weights to the broker and non-
broker data to compute an overall average rental rate for the area and 
income level.
    Because there was insufficient non-broker data in the unfurnished 
rental units category, we used partly furnished and unfurnished units 
in the Hawaii areas. Similarly, we used apartment and furnished units 
in St. Croix at the middle and upper income levels because no other 
data were available.
    Appendix 11 shows the broker and non-broker medians and final 
results. As noted in the appendix, we found inexplicable rental price 
trends in some of the data, particularly in the broker data. Therefore, 
as we explain in the footnotes of the appendix, we adjusted the rental 
data to address these anomalies.
4.5  Housing Survey Results
    In the above sections, we described the processes used for 
determining the costs for maintenance, insurance, utilities, real 
estate taxes, rents, and homeowner mortgages. Appendix 12 shows the 
cost of each of these items for renters and homeowners in each 
allowance area and in the Washington, DC, area. Appendix 13 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 21 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 in previous surveys, we analyzed automobile transportation costs 
for three commonly purchased vehicles: A domestic auto, an import auto, 
and a utility vehicle. We used new car costs for these analyses because 
we believe pricing used vehicles of equivalent quality in each area 
would require value judgments that could introduce inconsistencies.
5.2.1  Vehicle Selection and Pricing
    We surveyed the same three models of automobiles in all areas--

--Domestic: Ford Taurus SE 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, we collected new vehicle prices at dealerships 
in each area. All vehicles had standard options, such as automatic 
transmission, AM/FM stereo radio, and air conditioning. In Alaska 
locations, we included special additional equipment (i.e., engine-block 
heaters and heavy-duty batteries) in new-vehicle prices. We also priced 
snow tires in Alaska. (See section 5.2.5.) In addition to the 
manufacturer's suggested retail price, the price included additional 
charges such as shipping, dealer preparation, additional dealer markup, 
excise tax, sales tax, documentation fees, and any other one-time taxes 
or charges.
    We encountered problems in obtaining comparable car sales data in 
each area because of survey timing. As stated in section 1.5, we 
conducted the survey in October and November 1998, when the dealers 
were just beginning to receive shipments of the new 1999 models. 
However, not all dealers had the models we were surveying. Therefore, 
we obtained the prices of both the 1998 and 1999 models (to the extent 
the 1999 prices were available). Not surprisingly, we discovered that 
many dealers were charging significant markups for the 1999 models and 
significantly reducing or eliminating markups on the 1998 models. We 
found this in many areas, including the Washington, DC, area. Because 
we had only 1998 model prices across all areas, we used the 1998 model 
prices instead of the 1999 model prices. To overcome the problem caused 
by the usual dealer markups, we used the dealer markup for the same 
brands surveyed in the 1997 survey on the premise that these markups, 
which were obtained in the summer of 1997, were more typical.
5.2.2  Vehicle Trade Cycle
    Calculating the cost of owning and operating a vehicle requires 
knowing the mileage and period of ownership. The automobile industry 
uses the term

[[Page 44115]]

``trade cycle'' to describe these two factors. The trade cycle is the 
length of time (in months or years) and the total number of miles 
driven in that time period. The OPM model uses this information to 
compute annual costs related to fuel, oil, tires, maintenance, and 
depreciation. As with the previous living-cost analyses, we used a 4-
year, 60,000-mile trade cycle in all areas.
5.2.3  Fuel Performance and Type
    All vehicles in the 1998 study used regular unleaded fuel. We 
collected self-service cash prices of unleaded regular gasoline at 
name-brand gas stations in the Washington, DC, area and in all 
allowance areas. In Alaska, we surveyed both self-serve and full-serve 
gas prices.
    To establish average fuel-performance ratings, the COLA model uses 
the ``city driving'' figures published by the U.S. Environmental 
Protection Agency (EPA). The model uses the ``city'' figures instead of 
``highway'' figures because all locations contained considerable stop-
and-go driving conditions or required cautious driving because of poor 
road conditions. As in previous COLA surveys, we included in our 
analysis the following fuel-performance factors: temperature, road 
surface, and gradient.
    OPM conducted previous research to determine these factors. We 
discuss this research and the factors below.
5.2.3.1  Impact of Temperature Upon Fuel Performance
    Temperature affects gas mileage. The lower the temperature, the 
fewer miles-per-gallon achieved, and vice versa. According to 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. We then average these 
factors to derive a single overall factor for each location. Table 5-1 
shows the results of these calculations.
5.2.3.2  Impact of Road Surface Upon Fuel Performance
    The model assumes 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, we collected the total mileage falling into 
either the Federal or local categories. 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.
    We applied the average low-load asphalt factor (which reflects dry, 
wet, and snowy conditions) to the local mileage percentage and the 
average concrete and/or high-load asphalt factor to the Federal mileage 
percentage. This produced two weighted average factors--one for the 
Alaska allowance areas and another for the other allowance areas. Table 
5-1 shows these factors. We assigned the Washington, DC, area a factor 
of 1.00 on the premise that the vast majority of traffic in that area 
travels on dry, high-load surfaces. Section 5.2.3.4 describes the 
application of these factors.
5.2.3.3  Impact of Gradient Upon Fuel Performance
    We also estimated the effect of gradient on gas mileage 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 percent (essentially 
flat) to greater than 6 percent (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, we computed a fuel-
performance factor of 0.98 for this type of driving.
    We assigned this factor to each allowance area. For the DC area, we 
used a factor of 1.00 on the premise that the vast majority of traffic 
in that area travels on major freeways and highways that are relatively 
flat. The next section describes the application of these factors.
5.2.3.4  Overall Impact Upon Fuel Performance
    We 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 Table 5-1, 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

[[Page 44116]]

 
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
    We surveyed the cost of 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
     Muffler/exhaust pipe replacement
     Constant velocity joint (CVJ) boot replacement
     Windshield replacement
    We used the automobile manufacturers' recommended mainte-nance 
schedules to determine the frequency of performing each of the first 
five maintenance jobs. Maintenance schedules vary, depending on the 
driving conditions typically encountered.
    Consistent with the assumptions used for fuel economy and tire 
mileage, we 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, we assumed that driving conditions 
are normal, and the maintenance schedules used for that area reflected 
that kind of driving.
    We combined the recommended frequency of performing each of these 
jobs with the prices charged by local dealers and service stations to 
compute an estimated annual maintenance expense. We collected the cost 
of the complete maintenance service or repair job for each vehicle. For 
example, we collected the cost of a complete oil change for each 
vehicle, including the total charge for parts and the total charge for 
labor.
    Previous research conducted for OPM revealed varying replacement 
cycles for constant velocity joint (CVJ) boots among the Alaska 
allowance areas and between the Alaska areas and the DC area. These 
were: 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). We used the 
Washington, DC, area frequency of repair for the other (i.e., non-
Alaska) COLA areas. In each area, we factored the cost of replacement 
for all three vehicle types into the indexes based upon the frequency 
of the replacement. In Fairbanks, for example, we included 100 percent 
of the cost because previous research indicated annual replacement was 
the norm.
    To determine the frequency of replacement of windshields, we 
contacted local dealers and automobile repair shops. Based on the 
information obtained, we determined that windshield replacement was 
much more frequent in Alaska than in the other allowance areas or the 
Washington, DC, area. Therefore, we assumed that windshields had to be 
replaced every 2 years in the Alaska areas but rarely (i.e., never) in 
the other areas or in the DC area during the 4-year trade cycle used in 
the COLA model. The owner's automotive insurance normally covers 
windshield replacement. Therefore, we used the deductible rather than 
the surveyed price of windshield replacement, since the deductible was 
always less than the replacement prices.
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.
    We priced the cost of a new set of tires, including mounting and 
balancing and all applicable taxes, in each area. We converted this 
cost 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 (but not in the DC area). Therefore, we surveyed the prices of 
studded snow tires for all vehicles in Anchorage, Fairbanks, Juneau, 
and Nome. We also priced the cost of rims and switching snow and street 
tires semi-annually in these Alaska areas.
5.2.6  License and Registration Fees and Miscellaneous Taxes
    We obtained information regarding license and registration fees, 
miscellaneous taxes, and personal property taxes (where applicable). We 
included license and registration fees as part of the annual cost of 
owning an automobile. We computed miscellaneous and personal-property 
taxes for each year of the vehicle's 4-year trade cycle using the 
vehicle's estimated used-car value for each year. We then averaged the 
resulting four personal property tax values and included that average 
as part of the annual cost of owning an automobile.
    As stated in section 5.2.1, we included sales and excise taxes in 
the purchase price of the vehicle and accounted for them under the 
annual vehicle purchase and finance costs. We also include vehicle 
inspection fees in any area that requires periodic vehicle inspections.
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. The COLA model calculates total depreciation by subtracting 
from the purchase price the estimated residual value (used car value) 4 
years later. The model then divides this value 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, documentation fees, excise tax, 
and sales tax. We based the used car value on information from sources 
such as the Kelly Blue Book. Although such sources track prices of 
vehicles sold only in the contiguous 48 States, previous research 
performed by a contractor for OPM 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, we 
used 90 percent of the projected residual values to reflect more severe 
conditions.
    We note that identical residual values did not result in identical 
depreciation

[[Page 44117]]

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 employees finance new car purchases. 
Therefore, we surveyed banks in all areas to obtain their auto-loan 
interest rates for a 48-month loan with 80 percent financing. We 
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
    We surveyed the cost of car insurance in each location using the 
following common coverages, limits, and deductibles:

Bodily Injury.......................  $100,000/$300,000.
Property Damage.....................  $25,000.
Medical.............................  $15,000.
Uninsured Motorist..................  $100,000/$300,000.
Comprehensive.......................  $100 Deductible.
Collision...........................  $250 Deductible.
 

For the 1998 surveys, we adjusted the limits for Property Damage and 
Medical based on recommendations from insurance carriers during the 
1997 surveys.
    In each survey area, we identified the common automobile insurance 
companies and attempted to obtain three insurance price quotes for each 
type of car surveyed. We averaged these quotes by type of car to 
produce estimated insurance costs for each area.
    As in previous surveys, we 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 Washington, DC, area costs, we 
surveyed the cost of insurance in the DC area with comparable offerings 
in the three allowance areas. We then compared the costs of these 
equivalent policies to derive adjustment factors that could be applied 
to the cost of the standard coverage shown above. By applying these 
factors to the DC area average price, we estimated the cost of 
equivalent coverage for these particular allowance areas. Appendix 15 
shows the factors and their derivation.
5.2.10  Overall Annual Costs
    As described above, we 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. We then summed these costs to determine 
the overall annual costs by area for owning and operating each type of 
automobile. Appendix 14 shows these costs for each area by type of 
vehicle.
5.3  Other Transportation Costs--Air Fares
    Air fare is the only item we price for the Other Transportation 
Costs Category. For this item, we surveyed the lowest priced round-trip 
air fare on a major carrier with a 3-week advance purchase, a 1-week 
stay over, and travel on Tuesdays and Thursdays. In the previous 
survey, we used Monday as the travel day. In this survey we used 
Tuesday (departure date) and Thursday (return date) to avoid peak 
business travel days and reflect choices consumers might make for 
recreational travel. While the selection of Tuesday and Thursday as 
travel days tended to reduce airfares for all areas, it greatly reduced 
airfares from the Washington, DC, area. This substantially raised the 
airfare index for each of the COLA areas.
    We priced trips from each allowance area and the Washington, DC, 
area to Chicago, Los Angeles, Miami, New York, Seattle, St. Louis, and 
Omaha. We selected these cities to represent a range of travel 
destinations coast-to-coast for COLA-area and DC-area Federal 
employees. To compute the category indexes, we averaged the costs of 
the trips from each allowance area and then compared these average 
costs with the average cost of the trips from the DC area. Appendix 16 
shows the fares.
5.4  Transportation Component Analyses
    We 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 Washington, DC, area. We express these comparisons as indexes 
and show them in Appendix 17. Likewise, we compared the cost of air 
fares for each area with those for the DC area and computed a cost 
index. Appendixes 16 and 18 show these indexes. We 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. We used these weights, which vary by income 
level, 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. Appendix 18 shows the weights, 
computations, and final Transportation Component indexes.

6. Miscellaneous Expenses

6.1   Component Overview
    The Miscellaneous Expense Component consists of four categories of 
expenses:
     Medical care.
     Private education (K-12).
     Contributions (including gifts to non-family members).
     Personal insurance and retirement contributions/
investments.
6.2  Component Weights
    We used CES data to determine the appropriate weights for each of 
the items and categories in the Miscellaneous Expense Component. We 
show the category weights in Table 6-1 and in Appendix 20. Appendix 19 
shows item weights.

        Table 6-1.--Miscellaneous Expense Categories and Weights
------------------------------------------------------------------------
                                                Income level
                                  --------------------------------------
            Categories                Lower        Middle       Upper
                                    (percent)    (percent)    (percent)
------------------------------------------------------------------------
Medical care.....................        40.96        31.24        24.27
Private education (K-12).........         0.98         1.26         1.45
Contributions....................        16.63        16.27        16.01
Personal insurance and retirement        41.44        51.24        58.27
 contributions...................
                                  --------------------------------------
    Totals.......................       100.00       100.00      100.00
------------------------------------------------------------------------
Note: Values may not total 100 because of rounding.


[[Page 44118]]

6.3  Component Categories
6.3.1  Medical Expense Category
    We surveyed the price of medical care items using essentially the 
same approach we used for the Goods and Services Component items. We 
priced the following medical care items in each allowance area and in 
the Washington, DC, area:
     Nonprescription pain reliever
     Prescription drugs
     Contact lenses
     Dental service
     Doctor visit
     Hospital room
     Federal health insurance
    In addition, we surveyed the price of hospital attendant services 
in Puerto Rico and air ambulance insurance in the U.S. Virgin Islands. 
We researched these services during the 1997 surveys, and we found that 
hospital attendant services were available only in Puerto Rico, where 
hospital services are significantly different from those in the 
Washington, DC, area. Therefore, we added the price of hospital 
attendant service to the price of a hospital room in Puerto Rico. We 
also found air ambulance insurance to be available only in the Virgin 
Islands, where on-island hospital services are limited. Therefore, we 
added the price of air ambulance insurance to the cost of health 
insurance in the Virgin Islands.
    We used Federal employee health benefit enrollment information from 
OPM's Central Personnel Data File along with Federal health benefit 
premiums to compute average health benefit expense by areas. These 
expenses varied by area, and we used these averages rather than 
assuming that costs were constant among areas.
    We surveyed the cost of the health care items in both the allowance 
areas and in the DC area. We 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.
6.3.2  Private Education (K-12) Category
    Since not everyone sends their children to private school, we 
derived use factors from the results of the 1992/93 Federal Employee 
Housing and Living Patterns Survey. Table 6-2 shows these factors and 
the resulting adjustment of price indexes by area. The factors reflect 
the relative extent to which Federal employees make use of private 
education in the COLA areas compared with the Washington, DC, area. For 
example, the table indicates a use factor of 4.1066 for Puerto Rico 
because about 54 percent of Federal employees with school age children 
there send at least one child to private school, compared with about 13 
percent for the DC area.

                        Table 6-2.--Summary of Private Education Use Factors and Indexes
----------------------------------------------------------------------------------------------------------------
                                                  Employees w/children in
                                                      private schools                                Price index
                    Location                    --------------------------  Use factor  Price index     w/use
                                                  Local area     DC area                                factor
----------------------------------------------------------------------------------------------------------------
Anchorage......................................        10.34        13.23       0.7816        55.53        43.40
Fairbanks......................................         8.56        13.23       0.6470        41.59        26.91
Juneau.........................................        12.43        13.23       0.9395        57.30        53.84
Nome...........................................         8.08        13.23       0.6107        38.42        23.46
Honolulu.......................................        26.86        13.23       2.0302       113.03       229.48
Hilo\*\........................................        18.94        13.23       1.4316        44.23        63.32
Kona\*\........................................        18.94        13.23       1.4316        87.03       124.59
Kauai..........................................        22.46        13.23       1.6977        95.72       162.50
Maui...........................................        20.39        13.23       1.5412        89.05       137.24
Guam...........................................        42.26        13.23       3.1943        90.95       290.52
Puerto Rico....................................        54.33        13.23       4.1066        66.85       274.52
St. Croix......................................        57.27        13.23       4.3288        90.26       390.72
St. Thomas.....................................        51.90        13.23       3.9229        95.78      375.74
----------------------------------------------------------------------------------------------------------------
* Use data available only for Hawaii County.

6.3.3  Contributions Category
    The index for the Contributions Category is the same as the Goods 
and Services Component index for the area. We use the Goods and 
Services index based on our assumption that the relative level of 
contributions is roughly equivalent to that reflected by the Goods and 
Services index.
6.3.4--Personal Insurance and Retirement Category
    We assume the index for personal insurance and retirement 
contributions and investments 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, we combined the indexes 
for each of the Miscellaneous Component categories using CES weights to 
produce component indexes by income level for each area. Appendix 20 
shows these indexes. Section 2.6 describes how we combine miscellaneous 
expense component indexes 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 in Table 7-1. Appendix 22 
shows how we derived each index from the component indexes.

                Table 7-1.--Final Cost Comparison Indexes
------------------------------------------------------------------------
                         Allowance area                           Index
------------------------------------------------------------------------
Anchorage, Alaska..............................................   105.65
Fairbanks, Alaska..............................................   109.19
Juneau, Alaska.................................................   110.46
The rest of the State of Alaska................................   131.58
City and County of Honolulu, Hawaii............................   124.51
Hawaii County, Hawaii..........................................   110.89
Kauai County, Hawaii...........................................   117.19
Maui County, Hawaii............................................   120.32
Guam/CNMI, Local Retail........................................   125.23
Guam/CNMI, Commissary/Exchange.................................   121.12

[[Page 44119]]

 
Puerto Rico....................................................   105.93
U.S. Virgin Islands............................................   116.33
------------------------------------------------------------------------

Appendix 1--Publication in the Federal Register of Prior Survey 
Results: 1990-1998

------------------------------------------------------------------------
        Citation                  Title                  Contents
------------------------------------------------------------------------
56 FR 7902.............  Cost-of-Living           Results of summer 1990
                          Allowances and Post      living-cost surveys
                          Differentials            conducted in Alaska,
                          (Nonforeign Areas).      Hawaii, Guam, Puerto
                                                   Rico, and the U.S.
                                                   Virgin Islands.
57 FR 58556............  Report on 1991/1992      Results of summer 1991
                          Surveys Used to          and winter 1992
                          Determine Cost-of-       living-cost surveys
                          Living Allowances in     conducted in Alaska,
                          Nonforeign Areas.        Hawaii, Guam, Puerto
                                                   Rico, and the U.S.
                                                   Virgin Islands.
58 FR 45558............  Report on 1992/1993      Results of summer 1992
                          Surveys Used to          and winter 1993
                          Determine Cost-of-       living-cost surveys
                          Living Allowances in     conducted in Alaska,
                          Nonforeign Areas.        Hawaii, Guam, Puerto
                                                   Rico, and the U.S.
                                                   Virgin Islands.
58 FR 27316............  Report on Summer 1993    Results of summer 1993
                          Surveys Used to          living-cost surveys
                          Determine Cost-of-       conducted in Hawaii,
                          Living Allowances in     Guam, Puerto Rico,
                          Nonforegin areas.        and the U.S. Virgin
                                                   Islands.
59 FR 45066............  Report on Winter 1994    Results of winter 1994
                          Surveys Used to          living-cost surveys
                          Determine Cost-of-       conducted in Alaska.
                          Living allowances in
                          Alaska..
                  60 FR  Report on Summer 1994    Results of summer 1994
                   6133   Surveys Used to          living-cost surveys
                   2.     Determine Cost-of-       conducted in Hawaii,
                          Living Allowances in     Guam, Puerto Rico,
                          Selected Nonforeign      and the U.S. Virgin
                          Areas.                   Islands.
                  61 FR  Report on Winter 1995    Results of winter 1995
                   4070.  Surveys Used to          living-cost surveys
                          Determine Cost-of-       conducted in Alaska.
                          Living Allowances in
                          Alaska.
                  61 FR  Report on 1996 Surveys   Results of 1996 living-
                   1419   Used to Determine Cost-  cost surveys
                   0.     of-Living Allowances     conducted in Alaska,
                          in Nonforeign Areas.     Hawaii, Guam, Puerto
                                                   Rico, and the U.S.
                                                   Virgin Islands.
                  63 FR  Report on 1997 Surveys   Results of 1997 living-
                   5643   Used to Determine Cost-  cost surveys
                   2.     of-Living Allowances     conducted in Hawaii,
                          in Nonforeign Areas.     Guam, Puerto Rico,
                                                   and the U.S. Virgin
                                                   Islands.
------------------------------------------------------------------------

Appendix 2.--Federal Employment Weights

                                       Multiple Income Levels: 1998 Survey
                        [Data from multiple income levels within a single allowance area]
----------------------------------------------------------------------------------------------------------------
           Location and income level                 1995         1996         1998       Average      Weights
----------------------------------------------------------------------------------------------------------------
Anchorage:
    Lower......................................        1,540        1,445        1,401        1,462        27.02
    Middle.....................................        1,754        1,719        1,500        1,658        30.64
    Upper......................................        2,522        2,448        1,903        2,291        42.34
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........        5,411       100.00
Fairbanks:
    Lower......................................          388          449          466          434        35.20
    Middle.....................................          446          456          386          429        34.79
    Upper......................................          405          397          308          370        30.01
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........        1,233       100.00
Juneau:
    Lower......................................          139          126          100          122        18.91
    Middle.....................................          203          199          174          192        29.77
    Upper......................................          341          346          306          331        51.32
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........          645       100.00
Rest of Alaska:
    Lower......................................          349          363          306          339        23.96
    Middle.....................................          703          687          543          644        45.51
    Upper......................................          481          462          352          432        30.53
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........        1,415       100.00
Honolulu:
    Lower......................................        4,140        4,453        3,919        4,171        33.01
    Middle.....................................        3,952        4,009        3,858        3,940        31.19
    Upper......................................        4,514        4,476        4,580        4,523        35.80
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........       12,634       100.00
Hawaii:
    Lower......................................          139          152          138          143        35.40
    Middle.....................................          164          163          160          162        40.10
    Upper......................................           98          101           99           99        24.50
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........          404       100.00
Kauai:

[[Page 44120]]

 
    Lower......................................           73           59           51           61        27.23
    Middle.....................................           76           80           64           73        32.59
    Upper......................................           97           92           80           90        40.18
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........          224       100.00
Maui:
    Lower......................................           35           35           23           31        22.79
    Middle.....................................           59           62           60           60        44.12
    Upper......................................           51           51           33           45        33.09
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........          136       100.00
Guam/CNMI:
    Lower......................................          947          873          763          861        45.15
    Middle.....................................          669          640          561          623        32.67
    Upper......................................          464          430          375          423        22.18
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........        1,907       100.00
Puerto Rico:
    Lower......................................        2,370        2,281        2,205        2,285        39.89
    Middle.....................................        2,166        2,177        2,073        2,139        37.34
    Upper......................................        1,303        1,286        1,322        1,304        22.77
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........        5,728       100.00
Virgin Islands:
    Lower......................................           98          123           88          103        32.49
    Middle.....................................          133          137          130          133        41.96
    Upper......................................           83           76           84           81        25.55
                                                ----------------------------------------------------------------
        Totals.................................  ...........  ...........  ...........          317       100.00
----------------------------------------------------------------------------------------------------------------


                                       Multiple Survey Areas: 1998 Survey
                         [Data from multiple survey areas within a single allowance area]
----------------------------------------------------------------------------------------------------------------
                    Location                         1995         1996         1998        Average      Weights
----------------------------------------------------------------------------------------------------------------
 Hawaii County:
     Hilo......................................          304          308          300          304        75.81
     Kona......................................           97           96           97           97        24.19
                                                ----------------------------------------------------------------
         Totals................................  ...........  ...........  ...........          401       100.00
                                                ================================================================
 Virgin Islands:
     St. Croix.................................          154          166          140          153        48.26
     St. Thomas/St. John.......................          160          170          162          164        51.74
                                                ----------------------------------------------------------------
         Totals................................  ...........  ...........  ...........           31       100.00
----------------------------------------------------------------------------------------------------------------

Appendix 3--Consumer Expenditure Surveys

                              Pre-published Data for All Consumer Units Nationwide*
----------------------------------------------------------------------------------------------------------------
                                                                            Total complete reporting
                                                             ---------------------------------------------------
                                                                  1994         1995         1997       Average
----------------------------------------------------------------------------------------------------------------
 Average before tax income..................................    36,838.00    36,948.00    39,926.00    37,904.00
 Average annual expenditures................................    32,762.99    33,610.38    36,145.95    34,173.11
     Food...................................................     4,526.94     4,690.51     4,902.06     4,706.50
     Food at home...........................................     2,764.21     2,885.98     2,970.28     2,873.49
         Cereals and bakery products........................       439.36       454.64       464.66       452.89
         Cereals and cereal products........................       166.94       169.16       165.56       167.22
         Flour..............................................         7.93         8.93         8.94         8.60
         Prepared flour mixes...............................        13.20        13.29        16.51        14.33
         Ready-to-eat and cooked cereals....................       102.02        99.83        92.76        98.20
         Rice...............................................        15.47        19.43        18.21        17.70
         Pasta, cornmeal and other cereal products..........        28.32        27.68        29.13        28.38
         Bakery products....................................       272.42       285.49       299.10       285.67
         Bread..............................................        77.20        78.18        86.16        80.51
         White bread........................................        38.02        38.37        42.35        39.58
         Bread, other than white............................        39.17        39.81        43.81        40.93

[[Page 44121]]

 
         Crackers and cookies...............................        64.36        70.09        70.06        68.17
         Cookies............................................        43.78        46.76        45.86        45.47
         Crackers...........................................        20.58        23.33        24.19        22.70
         Frozen and refrigerated bakery products............        22.16        22.42        23.43        22.67
         Other bakery products..............................       108.70       114.79       119.45       114.31
         Biscuits and rolls.................................        37.26        39.48        42.66        39.80
         Cakes and cupcakes.................................        31.12        36.15        34.41        33.89
         Bread and cracker products.........................         4.68         4.45         4.68         4.60
         Sweetrolls, coffee cakes, doughnuts................        23.08        21.57        23.58        22.74
         Pies, tarts, turnovers.............................        12.55        13.14        14.11        13.27
         Meats, poultry, fish, and eggs.....................       728.89       758.30       756.18       747.79
         Beef...............................................       226.73       232.15       226.37       228.42
         Ground beef........................................        89.79        87.81        84.79        87.46
         Roast..............................................        37.79        40.70        40.06        39.52
         Chuck roast........................................        12.10        12.54        13.59        12.74
         Round roast........................................        14.18        13.55        12.01        13.25
         Other roast........................................        11.51        14.62        14.46        13.53
         Steak..............................................        85.81        87.57        89.04        87.47
         Round steak........................................        16.44        18.92        17.82        17.73
         Sirloin steak......................................        24.09        22.70        23.86        23.55
         Other steak........................................        45.28        45.95        47.36        46.20
         Other beef.........................................        13.34        16.06        12.48        13.96
         Pork...............................................       154.66       157.51       161.13       157.77
         Bacon..............................................        23.01        20.26        26.23        23.17
         Pork chops.........................................        37.47        39.03        39.60        38.70
         Ham................................................        36.74        38.51        38.45        37.90
         Ham, not canned....................................        33.91        36.23        36.03        35.39
         Canned ham.........................................         2.84         2.28         2.43         2.52
         Sausage............................................        22.63        21.35        25.09        23.02
         Other pork.........................................        34.80        38.36        31.75        34.97
         Other meats........................................        94.34       105.31        98.81        99.49
         Frankfurters.......................................        19.13        22.78        23.52        21.81
         Lunch meats (cold cuts)............................        65.67        71.55        67.48        68.23
         Bologna, liverwurst, salami........................        23.25        25.15        23.88        24.09
         Other lunch meats..................................        42.41        46.40        43.60        44.14
         Lamb, organ meats and others.......................         9.54        10.98         7.80         9.44
         Lamb and organ meats...............................         9.31         8.92         7.10         8.44
         Mutton, goat and game..............................         0.24         2.06         0.70         1.00
         Poultry............................................       135.32       136.43       145.61       139.12
         Fresh and frozen chickens..........................       107.49       105.79       114.50       109.26
         Fresh whole chicken................................           NA           NA           NA           NA
         Fresh and frozen whole chicken.....................        29.05        28.37        29.94        19.44
         Fresh and frozen chicken parts.....................        78.44        77.43        84.56        80.14
         Other poultry, incl. whole frozen chickens.........           NA           NA           NA           NA
         Other poultry......................................        27.83        30.64        31.11        20.58
         Fish and seafood...................................        87.13        95.34        90.67        91.05
         Canned fish and seafood............................        15.60        17.95        14.42        15.99
         Fresh and frozen shellfish.........................           NA           NA           NA           NA
         Fresh and frozen finfish...........................           NA           NA           NA           NA
         Fresh fish and shellfish...........................        48.29        50.11        51.69        50.90
         Frozen fish and shellfish..........................        23.23        27.28        24.55        25.92
         Eggs...............................................        30.72        31.55        33.59        31.95
         Dairy products.....................................       297.87       311.48       328.97       312.77
         Fresh milk and cream...............................       131.98       129.41       134.35       131.91
         Whole milk.........................................           NA           NA           NA           NA
         Other milk and cream...............................           NA           NA           NA           NA
         Fresh milk, all types..............................       123.44       119.84       124.37       122.10
        Cream...............................................         8.55         9.56         9.97         9.76
        Other dairy products................................       165.88       182.07       194.62       180.86
        Butter..............................................        11.78        13.03        15.08        13.30
        Cheese..............................................        84.78        93.13        99.99        92.63
        Ice cream and related products......................        48.15        53.06        54.45        51.89
        Miscellaneous dairy products........................        21.17        22.85        25.11        23.04
        Fruits and vegetables...............................       446.10       467.45       485.34       466.30
        Fresh fruits........................................       135.12       148.22       154.00       145.78
        Apples..............................................        25.34        29.98        28.67        28.00
        Bananas.............................................        30.25        31.09        32.54        31.29
        Oranges.............................................        16.05        16.21        18.05        16.77
        Other fresh fruits..................................        63.49        70.94        74.73        69.72
        Fresh vegetables....................................       138.99       140.83       145.02       141.61

[[Page 44122]]

 
        Potatoes............................................        28.24        28.75        26.24        27.74
        Lettuce.............................................        17.65        18.31        19.04        18.33
        Tomatoes............................................        21.59        21.89        24.47        22.65
        Other fresh vegetables..............................        71.52        71.89        75.27        72.89
        Processed fruits....................................        95.31        96.98       104.68        98.99
        Frozen fruits and fruit juices......................        16.38        17.35        15.49        16.41
        Frozen orange juice.................................         9.57         9.19         8.56         9.11
        Other frozen fruits and juices......................         6.81         8.15         6.93         7.30
        Canned and dried fruits.............................        21.11        20.11        20.50        20.57
        Fresh, canned or bottled fruit juices...............        57.83        59.52        68.69        62.01
        Processed vegetables................................        76.68        81.42        81.65        79.92
        Frozen vegetables...................................        24.78        29.55        27.14        27.16
        Canned and dried vegetables and juices..............        51.90        51.88        54.51        52.76
        Canned beans........................................        10.61        11.26        11.95        11.27
        Canned corn.........................................         6.99         6.80         7.38         7.06
        Other canned and dried veg. and juices..............        34.30        33.80        35.17        34.42
    Other food at home......................................       851.99       894.10       935.13       893.74
        Sugar and other sweets..............................       110.67       119.49       118.31       116.16
        Candy and chewing gum...............................        66.52        73.02        71.95        70.50
        Sugar...............................................        18.30        17.88        19.59        18.59
        Artificial sweeteners...............................         3.57         4.56         3.45         3.86
        Jams, preserves, other sweets.......................        22.28        24.02        23.32        23.21
        Fats and oils.......................................        80.76        83.63        83.38        82.59
        Margarine...........................................        14.68        13.13        12.25        13.35
        Other fats, oils, and salad dressing................        47.48        51.88        51.07        50.14
        Nondairy cream and imitation milk...................         6.71         6.96         8.56         7.41
        Peanut butter.......................................        11.89        11.66        11.50        11.68
        Miscellaneous foods.................................       369.77       394.39       424.58       396.25
        Frozen prepared foods...............................        65.79        69.94        82.25        72.66
        Frozen meals........................................        20.54        21.71        21.74        21.33
        Other frozen prepared foods.........................        45.25        48.22        60.51        51.33
        Canned and packaged soups...........................        30.21        31.92        33.24        31.79
        Potato chips, nuts, and other snacks................        75.91        84.32        88.63        82.95
        Potato chips and other snacks.......................        59.81        65.63        70.36        65.27
        Nuts................................................        16.10        18.69        18.27        17.69
        Condiments and seasonings...........................        82.47        89.18        91.74        87.80
        Salt, spices, other seasonings......................        19.68        20.55        20.23        20.15
        Olives, pickles, relishes...........................        10.76        10.13        11.26        10.72
        Sauces and gravies..................................        38.05        41.78        43.18        41.00
        Baking needs and misc. products.....................        13.98        16.71        17.07        15.92
        Other canned and packaged prepared foods............       115.39       119.03       128.73       121.05
        Salads and desserts.................................        19.30        23.19        25.84        22.78
        Baby food...........................................        27.68        25.42        28.65        27.25
        Miscellaneous prepared foods........................        68.41        70.42        74.24        71.02
        Nonalcoholic beverages..............................       241.81       250.31       254.04       248.72
        Cola................................................        93.27        94.76        94.27        94.10
        Other carbonated drinks.............................        40.20        43.28        45.17        42.88
        Coffee..............................................        43.29        47.76        49.87        46.97
        Roasted coffee......................................        29.20        32.11        33.41        31.57
        Instant and freeze dried coffee.....................        14.09        15.65        16.47        15.40
        Noncarbonated fruit flavored drinks.................           NA           NA           NA           NA
        Noncarb. fruit flavored drinks, inc. non-frozen             23.02        25.18        19.81        15.00
         lemonade...........................................
        Tea.................................................        16.75        16.01        15.22        15.99
        Nonalcoholic beer...................................         0.76         1.17         0.33         0.75
        Other nonalcoholic beverages........................        24.52        22.13        29.37        25.34
        Food prepared by consumer unit on out-of-town trips.        48.98        46.29        54.82        50.03
    Food away from home.....................................     1,762.72     1,804.53     1,931.78     1,833.01
        Meals at restaurants, carry-outs and other..........     1,363.26     1,426.22     1,516.51     1,435.33
        Lunch...............................................       475.88       499.50       517.92       497.77
        Dinner..............................................       668.88       691.44       753.30       704.54
        Snacks and nonalcoholic beverages...................       110.46       126.30       128.93       121.90
        Breakfast and brunch................................       108.05       108.98       116.35       111.13
        Board (including at school).........................        50.40        58.40        49.67        52.82
        Catered affairs.....................................        55.38        37.05        40.15        44.19
        Food on out-of-town trips...........................       213.45       204.85       235.69       218.00
        School lunches......................................        54.93        49.47        55.88        53.43
        Meals as pay........................................        25.30        28.53        33.87        29.23
    Alcoholic beverages.....................................       296.57       301.83       330.23       309.54
    At home.................................................       175.40       179.33       190.83       181.85
        Beer and ale........................................       108.74        94.20        98.68       100.54

[[Page 44123]]

 
        Whiskey.............................................        14.25        12.83        14.43        13.84
        Wine................................................        36.06        54.77        54.55        48.46
        Other alcoholic beverages...........................        16.36        17.53        23.17        19.02
    Away from home..........................................       121.17       122.51       139.40       127.69
        Beer and ale........................................        42.50        36.61        43.35        40.82
        Wine................................................        16.74        22.55        26.02        21.77
        Other alcoholic beverages...........................        30.22        33.33        35.10        32.88
        Alcoholic beverages purchased on trips..............        31.71        30.02        34.93        32.22
    Housing.................................................    10,189.41    10,576.98    11,348.00    10,704.80
    Shelter.................................................      5695.83      5912.61      6339.07      5982.50
        Owned dwellings.....................................      3464.04      3750.08      3933.15      3715.76
        Mortgage interest and charges.......................      1925.26      2120.77      2235.07      2093.70
        Mortgage interest...................................      1825.30      1997.99      2114.98      1979.42
        Interest paid, home equity loan.....................        44.67        56.26        60.52        53.82
        Interest paid, home equity line of credit...........        54.73        66.06        59.38        60.06
        Prepayment penalty charges..........................         0.56         0.46         0.19         0.40
        Property taxes......................................       879.41       909.28       946.59       911.76
        Maintenance, repairs, insurance, other expenses.....       659.37       720.02       751.49       710.29
        Homeowners and related insurance....................       209.07       224.86       233.28       222.40
        Fire and extended coverage..........................         6.34         7.31         8.19         7.28
        Homeowners insurance................................       202.73       217.55       225.09       215.12
        Ground rent.........................................        40.26        33.61        37.61        37.16
        Maintenance and repair services.....................       312.65       366.16       369.97       349.59
        Painting and papering...............................        43.27        38.26        38.94        40.16
        Plumbing and water heating..........................        36.45        32.01        35.81        34.76
        Heat, a/c, electrical work..........................        55.08        75.83        62.71        64.54
        Roofing and gutters.................................        48.91        66.13        81.75        65.60
        Other repair and maintenance services (old).........           NA           NA           NA           NA
        Other repair and maintenance services...............       112.39       136.51       128.52        88.34
        Repair and replacement of hard surface flooring.....        14.76        15.56        20.35        16.89
        Repair of built in appliances.......................         1.78         1.86         1.89         1.84
        Maintenance and repair commodities..................        75.59        70.72        88.29        78.20
        Paints, wallpaper and supplies......................        18.95        19.73        19.34        19.34
        Tools and equipment for painting and wallpapering...         2.04         2.12         2.08         2.08
        Plumbing supplies and equipment.....................         8.57         7.42         6.15         7.38
        Electrical supplies, heating and cooling equipment..         5.86         4.97         4.16         5.00
        Materials for hard surface flooring, repair/replace.         5.08         3.33         7.78         5.40
        Materials and equipment for roof and gutters........         5.94         4.96         8.88         6.59
        Materials for plaster, paneling, siding, doors, etc.        12.78        10.72        16.64        13.38
        Materials for patio, walk, fence, driveway, etc.....         0.52         0.59         0.72         0.61
        Materials for landscaping maintenance...............         1.48         1.66         4.99         2.71
        Miscellaneous supplies and equipment................        14.37        15.22        17.55        15.71
        Material for insulation, other maint., and repair...        10.19        11.05        10.06        10.43
        Materials to finish basements, remodeling, etc......         4.18         4.17         7.49         5.28
        Property management and security....................        21.59        24.67        20.87        22.38
        Property management.................................        12.78        18.44        17.75        16.32
        Management and upkeep services for security.........         8.81         6.22         3.12         6.05
        Parking.............................................         0.21         0.00         1.47         0.74
        Rented dwellings....................................     1,828.52     1,786.70     1,979.74     1,864.99
        Rent................................................     1,755.05     1,716.57     1,867.90     1,779.84
        Rent as pay.........................................        42.31        48.19        75.65        55.38
        Maintenance, insurance and other expenses...........        31.16        21.94        36.18        29.76
        Tenant's insurance..................................         9.65         7.50        10.07         9.07
        Maintenance and repair services.....................        11.56         5.29        18.06        11.64
        Repair or maintenance services (old)................           NA           NA           NA           NA
        Repair or maintenance services......................        10.37         4.97        16.63         7.20
        Repair and replacement of hard surface flooring.....         1.05         0.25         1.40         0.90
        Repair of built-in appliances.......................         0.13         0.07         0.04         0.08
        Maintenance and repair commodities..................         9.95         9.15         8.05         9.05
        Paint, wallpaper, and supplies......................         2.09         1.62         1.57         1.76
        Tools and equipment for painting and wallpapering...         0.22         0.17         0.17         0.19
        Materials for plastering, panels, roofing, gutters,          1.23         0.87         1.10         1.07
         etc................................................
        Materials for patio, walk, fence, driveway, etc.....         0.09         0.04         0.00         0.04
        Plumbing supplies and equipment.....................         0.70         1.35         0.40         0.82
        Electrical supplies, heating and cooling equipment..         1.36         0.37         0.09         0.61
        Miscellaneous supplies and equipment................         3.41         4.00         3.30         3.57
        Material for insulation, other maint. and repair....         1.13         1.51         1.10         1.25
        Termite and pest control (capital improvement)......           NA           NA           NA           NA
        Materials for additions, finishing basements, etc...         1.67         2.44         1.88         2.00

[[Page 44124]]

 
        Construction materials for jobs not started.........         0.61         0.04         0.31         0.32
        Material for hard surface flooring..................         0.54         0.27         0.92         0.58
        Material for landscape maintenance..................         0.31         0.47         0.49         0.42
    Other lodging...........................................
        Owned vacation homes................................       122.14       110.00       135.60       122.58
        Mortgage interest and charges.......................        43.30        38.31        59.25        46.95
        Mortgage interest...................................        39.56        36.36        57.41        44.44
        Interest paid, home equity loan.....................         0.43         0.15         0.72         0.43
        Interest paid, home equity line of credit...........         3.31         1.80         1.11         2.07
        Prepayment penalty charge...........................           NA           NA           NA           NA
        Property taxes......................................        51.02        48.11        54.07        51.07
        Maintenance, insurance, and other expenses..........        27.82        23.58        22.28        24.56
        Homeowners and related insurance....................         7.66         5.66         4.66         5.99
        Homeowners insurance................................         7.35         5.53         4.25         5.71
        Fire and extended coverage..........................         0.31         0.14         0.41         0.29
        Ground rent.........................................         3.62         2.15         1.10         2.29
        Maintenance and repair services.....................        11.87        11.13        11.54        11.51
        Repair and remodeling services (old)................           NA           NA           NA           NA
        Repair and remodeling services......................        11.40        11.07        11.35         7.47
        Repair and replacement of surface flooring..........         0.47         0.06         0.19         0.24
        Maintenance and repair commodities..................         1.35         2.35         0.98         1.56
        Paints, wallpaper, supplies.........................         0.16         0.58         0.37         0.37
        Tools and equip. for painting and wallpapering......         0.02         0.06         0.04         0.04
        Materials for plaster., panel., roof., gutters, etc.         0.10         0.51         0.35         0.32
        Material for patio, walk, fence, drive, masonry, etc           NA           NA           NA           NA
        Plumbing supplies and equipment.....................         0.05         0.07         0.08         0.07
        Electrical supplies, heating and cooling equipment..           NA           NA           NA           NA
        Miscellaneous supplies and equipment................         0.99         0.29         0.14         0.47
        Material for insulation, other maint. and repair....         0.99         0.29         0.13         0.47
        Material for finishing basements & remodeling rooms.           NA           NA         0.00         0.00
        Materials for hard surface flooring.................         0.03         0.84         0.00         0.42
        Materials for landscaping maintenance...............           NA           NA           NA           NA
        Property management and security....................         3.27         2.28         3.67         3.07
        Property management.................................         2.36         1.51         3.24         2.37
        Management and upkeep services for security.........         0.91         0.77         0.43         0.70
        Parking.............................................         0.06         0.00         0.33         0.13
    Housing while attending school..........................        59.54        56.69        57.09        57.77
    Lodging on out-of-town trips............................       221.60       209.14       233.48       221.41
    Utilities, fuels, and public services...................     2,170.32     2,180.19     2,407.84     2,252.78
        Natural gas.........................................       280.09       268.59       298.08       282.25
        Utility--natural gas (renter).......................        60.54        60.43        60.79        60.59
        Utility--natural gas (owned home)...................       216.97       206.77       235.78       219.84
        Utility--natural gas (owned vacation)...............         2.53         1.25         1.35         1.71
        Utility--natural gas (rented vacation)..............         0.05         0.14         0.17         0.12
        Electricity.........................................       846.21       854.21       899.68       866.70
        Electricity (renter)................................       207.80       201.80       211.65       207.08
        Electricity (owned home)............................       630.39       643.72       679.66       651.26
        Electricity (owned vacation)........................         7.36         7.78         7.45         7.53
        Electricity (rented vacation).......................         0.65         0.92         0.92         0.83
        Fuel oil and other fuels............................        98.11        85.56       109.11        97.59
        Fuel oil............................................        59.27        48.19        54.87        54.11
        Fuel oil (renter)...................................         6.49         3.92         5.14         5.18
        Fuel oil (owned home)...............................        52.38        43.76        49.16        48.43
        Fuel oil (owned vacation)...........................         0.40         0.47         0.54         0.47
        Fuel oil (rented vacation)..........................           NA         0.04         0.04         0.03
        Coal................................................         1.66         2.47         0.94         1.69
        Coal (renter).......................................         0.55         0.10         0.02         0.22
        Coal (owned home)...................................         1.12         2.37         0.92         1.47
        Coal (owned vacation)...............................           NA           NA           NA           NA
        Coal (rented vacation)..............................           NA           NA           NA           NA
        Bottled gas.........................................        30.68        28.71        45.55        34.98
        Gas, btld/tank (renter).............................         4.19         4.12         5.18         4.50
        Gas, btld/tank (owned home).........................        23.43        21.80        37.31        27.51
        Gas, btld/tank (owned vacation).....................         3.03         2.78         3.04         2.95
        Gas, btld/tank (rented vacation)....................         0.04         0.02         0.02         0.02
        Wood and other fuels................................         6.49         6.19         7.75         6.81
        Wood/other fuels (renter)...........................         0.61         0.80         1.66         1.02
        Wood/other fuels (owned home).......................         5.81         5.36         5.99         5.72
        Wood/other fuels (owned vacation)...................         0.06         0.04         0.09         0.06
        Wood/other fuels (rented vacation)..................           NA           NA         0.01         0.00

[[Page 44125]]

 
    Telephone services......................................       688.52       709.69       809.32       735.84
        Telephone (old).....................................           NA           NA           NA           NA
        Telephone services in home city, excluding car             674.31       683.24       755.32       704.29
         phones.............................................
        Telephone services for mobile car phone.............        14.21        26.45        54.00        40.22
        Water and other public services.....................       257.41       262.14       291.65       270.40
        Water and sewerage maintenance......................       182.67       188.59       210.76       194.01
        Water/sewer maint. (renter).........................        26.75        26.25        28.93        27.31
        Water/sewer maint. (owned home).....................       154.37       160.72       179.88       164.99
        Water/sewer maint. (owned vacation).................         1.50         1.47         1.79         1.59
        Water/sewer maint. (rented vacation)................         0.04         0.16         0.16         0.12
        Trash and garbage collection........................        73.48        71.56        78.22        74.42
        Trash/garb. coll. (renter)..........................         9.37         8.40         9.16         8.98
        Trash/garb. coll. (owned home)......................        62.61        62.16        67.47        64.08
        Trash/garb. coll. (owned vacation)..................         1.45         0.96         1.52         1.31
        Trash/garb. coll. (rented vacation).................         0.04         0.05         0.08         0.06
        Septic tank cleaning................................         1.26         1.99         2.68         1.98
        Septic tank clean. (renter).........................         0.01         0.02         0.17         0.07
        Septic tank clean. (owned home).....................         1.23         1.88         2.49         1.87
        Septic tank clean. (owned vacation).................           NA         0.08         0.01         0.03
        Septic tank clean. (rented vacation)................         0.01         0.00         0.00         0.00
    Household operations....................................       499.86       517.87       561.77       526.50
        Personal services...................................       240.70       263.71       272.92       259.11
        Babysitting.........................................        81.17        78.64        76.94        78.92
        Care for elderly, invalids, handicapped, etc........        19.24        32.74        24.69        25.56
        Day-care centers, nursery, and preschools...........       140.29       152.33       171.29       154.64
        Other household expenses............................       259.16       254.16       288.84       267.39
        Housekeeping services...............................        82.83        86.51        76.51        81.95
        Gardening, lawn care service........................        69.73        63.82        73.37        68.97
        Water softening service.............................         2.65         3.12         5.11         3.63
        Household laundry, dry cleaning, sent out                    1.79         1.78        10.34         4.64
         (nonclothing)......................................
        Coin-operated laundry and dry cleaning (nonclothing)         5.40         4.72         4.74         4.95
        Services for termite/pest control maintenance.......         7.46        12.01        11.71        11.86
        Other home services.................................        20.11        16.38        16.58        17.69
        Termite/pest control products.......................         0.29         0.13         0.15         0.19
        Moving, storage, freight express....................        27.54        27.59        32.44        29.19
        Appliance repair, including service center..........        15.24        15.45        13.77        14.82
        Reupholstering, furniture repair....................        11.03        11.54        11.78        11.45
        Repair/rental of lawn/garden equipment, tools, etc..         9.20         5.85         5.47         6.84
        Appliance rental....................................         1.55         1.76         1.10         1.47
        Rental of office equipment for nonbusiness use......         0.31         0.35         0.46         0.37
        Repair of misc. household equipment and furnishings.         2.46         1.98         1.25         1.90
        Repair of computer systems for nonbusiness use......         1.57         1.18         2.70         1.82
        Computer information services.......................           NA           NA        21.35         7.12
    Housekeeping supplies...................................       424.30       465.39       484.90       458.20
        Laundry and cleaning supplies.......................       117.94       117.93       124.91       120.26
        Soaps and detergents................................        66.49        66.92        69.41        67.61
        Other laundry cleaning products.....................        51.45        51.00        55.50        52.65
        Other household products............................       187.75       207.85       222.40       206.00
        Cleansing and toilet tissue, paper towels and               60.17        65.62        69.32        65.04
         napkins............................................
        Miscellaneous household products....................        80.66        74.41        94.06        83.04
        Lawn and garden supplies............................        46.92        67.82        59.02        57.92
        Postage and stationery..............................       118.61       139.62       137.60       131.94
        Stationery, stationery supplies, giftwraps..........        62.86        68.49        67.06        66.14
        Postage.............................................        55.74        71.12        70.54        65.80
    Household furnishings and equipment.....................      1399.10      1500.92      1554.42      1484.81
    Household textiles......................................       106.15       107.85        81.91        98.64
        Bathroom linens.....................................        13.89        17.82        12.07        14.59
        Bedroom linens......................................        52.67        47.70        35.52        45.30
        Kitchen and dining room linens......................         7.27         9.73         2.39         6.46
        Curtains and draperies..............................        19.08        18.51        16.52        18.04
        Slipcovers, decorative pillows......................         2.08         1.38         2.40         1.95
        Sewing material for slipcovers, curtains, etc.......        10.11        11.54        11.73        11.13
        Other linens........................................         1.04         1.18         1.28         1.17
    Furniture...............................................       323.70       320.03       380.46       341.40
        Mattress and springs................................        44.00        41.99        45.54        43.84
        Other bedroom furniture.............................        53.64        52.39        60.38        55.47
        Sofas...............................................        76.89        69.70        89.42        78.67
        Living room chairs..................................        34.47        35.69        51.17        40.44
        Living room tables..................................        14.27        17.12        21.35        17.58
        Kitchen, dining room furniture......................        49.61        48.99        46.41        48.34

[[Page 44126]]

 
        Infants' furniture..................................         6.04         6.46        11.19         7.90
        Outdoor furniture...................................        12.29        10.46        12.33        11.69
        Occasional furniture................................        32.50        37.23        42.67        37.47
    Floor coverings.........................................       131.65       211.89        82.77       142.10
        Wall-to-wall carpeting (renter).....................         2.50         4.40         1.92         2.94
        Wall-to-wall carpet, installed (renter).............         2.12         3.79         1.49         2.47
        Wall-to-wall carpet, not installed carpet squares            0.38         0.61         0.43         0.47
         (renter)...........................................
        Wall-to-wall carpet (replacement) (owned home)......        34.44        33.43        35.44        34.44
        Wall-to-wall carpet, not installed, carpet squares           1.81         2.20         2.72         2.24
         (owner)............................................
        Wall-to-wall carpet, installed (replacement) (owner)        32.63        31.24        32.72        32.20
        Room size rugs and other floor covering,                    94.72       174.05        45.41       104.73
         nonpermanent.......................................
    Major appliances........................................       152.32       155.56       174.03       160.64
         Dishwashers (built-in), garbage disposals, etc.             0.75         1.00         0.89         0.88
         (renter)...........................................
         Dishwashers (built-in), garbage disposals, etc.            10.97         9.72        11.18        10.62
         (owner)............................................
         Refrigerators, freezers (renter)...................         6.90         6.34        10.51         7.92
         Refrigerators, freezers (owned home)...............        38.91        41.01        49.16        43.03
         Washing machines (renter)..........................         6.05         4.51         5.51         5.36
         Washing machines (owned home)......................        14.39        15.37        17.52        15.76
         Clothes dryers (renter)............................         4.04         2.99         4.64         3.89
         Clothes dryers (owned home)........................         9.31        11.07        12.07        10.82
         Cooking stoves, ovens (renter).....................         2.42         2.79         2.87         2.69
         Cooking stoves, ovens (owned home).................        22.97        18.73        18.99        20.23
         Microwave ovens (renter)...........................         3.35         3.29         3.15         3.26
         Microwave ovens (owned home).......................         6.48         5.74         6.97         6.40
         Portable dishwasher (renter).......................         0.08         0.21         0.51         0.27
         Portable dishwasher (owned home)...................         0.49         0.64         0.23         0.45
         Window air conditioners (renter)...................         2.83         3.08         2.04         2.65
         Window air conditioners (owned home)...............         3.93         9.56         3.78         5.76
         Electric floor cleaning equipment..................        13.92        13.86        16.13        14.64
         Sewing machines....................................         2.92         4.88         3.49         3.76
         Miscellaneous household appliances.................         1.61         0.75         4.38         2.25
         Small appliances, miscellaneous housewares.........        85.73        90.94       100.26        92.31
         Housewares.........................................        60.60        67.05        72.38        66.68
         Plastic dinnerware.................................         1.60         1.69         1.89         1.73
         China and other dinnerware.........................        11.63        12.23         9.65        11.17
         Flatware...........................................         5.16         4.46         4.42         4.68
         Glassware..........................................         8.14         7.26         8.60         8.00
         Silver serving pieces..............................         1.31         2.20         2.69         2.07
         Other serving pieces...............................         1.63         1.26         1.92         1.60
         Nonelectric cookware...............................        15.22        16.70        16.34        16.09
         Tableware, nonelectric kitchenware.................        15.92        21.25        26.86        21.34
         Small appliances...................................        25.13        23.90        27.88        25.64
         Small electric kitchen appliances..................        18.19        16.55        17.50        17.41
         Portable heating and cooling equipment.............         6.94         7.34        10.38         8.22
         Miscellaneous household equipment..................       599.55       614.64       734.99       649.73
         Window coverings...................................        14.48        11.21        11.69        12.46
         Infants' equipment.................................         7.46         8.08         8.25         7.93
         Laundry and cleaning equip.........................        11.25        12.49        14.51        12.75
         Outdoor equipment..................................         5.48         4.61        15.99         8.69
         Clocks.............................................         5.32         3.28         5.03         4.54
         Lamps and lighting fixtures........................        36.98        33.94        13.73        28.22
         Other household decorative items...................       119.06       158.39       134.65       137.37
         Telephones and accessories.........................        38.10        16.02       103.30        52.47
         Lawn and garden equipment..........................        53.17        44.68        40.53        46.13
         Power tools........................................        13.51        16.39        17.48        15.79
         Small miscellaneous furnishings....................         1.88         2.64         0.00         1.51
         Office furniture for home use......................         0.00         0.00        12.79         4.26
         Hand tools.........................................         9.88        11.98         9.99        10.62
         Indoor plants, fresh flowers.......................        52.70        49.20        53.57        51.82
         Closet and storage items...........................         8.33         8.09         9.57         8.66
         Rental of furniture................................         4.53         3.62         3.50         3.88
         Luggage............................................         8.00        10.25        10.01         9.42
         Computers and computer hardware nonbusiness use....       115.01       145.69       169.01       143.24
         Computer software/accessories for nonbusiness use..        20.05        19.51        26.83        22.13
         Telephone answering devices........................         3.95         3.74         3.52         3.74
         Calculators........................................         2.35         2.10         2.10         2.18
         Business equipment for home use....................         4.75         4.63         2.54         3.97
         Other hardware.....................................        25.27        16.69        26.24        22.73
         Smoke alarms (owned home)..........................         0.86         1.32         0.94         1.04
         Smoke alarms (renter)..............................         0.15         0.18         0.18         0.17

[[Page 44127]]

 
         Smoke alarms (owned vacation)......................           NA           NA           NA           NA
         Other household appliances (owned home)............         6.69         4.94         8.05         6.56
         Other household appliances (renter)................         1.36         1.10         1.61         1.36
         Miscellaneous household equipment and parts........        28.95        19.90        29.39        26.08
     Apparel and services...................................      1688.22      1770.53      1786.46      1748.40
     Men and boys...........................................       418.74       437.23       422.86       426.28
         Men, 16 and over...................................       320.76       339.22       337.81       332.60
         Men's suits........................................        32.42        33.44        34.72        33.53
         Men's sportcoats, tailored jackets.................        13.87        13.43        14.51        13.94
         Men's coats and jackets............................        29.56        31.87        32.90        31.44
         Men's underwear....................................        12.90        19.04        13.47        15.14
         Men's hosiery......................................        10.30        14.66        10.13        11.70
         Men's nightwear....................................         2.73         3.93         2.74         3.13
         Men's accessories..................................        29.43        32.09        32.41        31.31
         Men's sweaters and vests...........................        14.23        12.51        15.51        14.08
         Men's active sportswear............................        11.96        10.37        11.60        11.31
         Men's shirts.......................................        79.19        78.33        81.15        79.56
         Men's pants........................................        62.55        65.60        68.67        65.61
        Men's shorts, shorts sets...........................        15.91        18.79        15.16        16.62
        Men's uniforms......................................         3.35         4.01         2.13         3.16
        Men's costumes......................................         2.34         1.14         2.70         2.06
        Boys, 2 to 15.......................................        97.98        98.01        85.05        93.68
        Boys' coats and jackets.............................         6.61        11.14         8.48         8.74
        Boys' sweaters......................................         2.76         1.94         2.87         2.52
        Boys' shirts........................................        21.53        21.66        17.77        20.32
        Boys' underwear.....................................         4.57         5.52         3.22         4.44
        Boys' nightwear.....................................         2.13         0.81         2.05         1.66
        Boys' hosiery.......................................         3.75         4.69         2.99         3.81
        Boys' accessories...................................         7.57         5.72         4.53         5.94
        Boys' suits, sportcoats, vests......................         6.10         3.30         3.04         4.15
        Boys' pants.........................................        21.77        23.82        22.80        22.80
        Boys' shorts, shorts sets...........................        12.15        12.16         8.92        11.08
        Boys' uniforms, active sportswear...................         7.76         6.45         7.16         7.12
        Boys' costumes......................................         1.30         0.81         1.22         1.11
    Women and girls.........................................       653.73       694.23       699.25       682.40
        Women, 16 and over..................................       552.35       591.01       591.18       578.18
        Women's coats and jackets...........................        49.54        45.93        44.40        46.62
        Women's dresses.....................................        81.37        93.51        86.35        87.08
        Women's sportcoats, tailored jackets................         4.15         4.49         3.39         4.01
        Women's vests and sweaters..........................        32.73        31.47        40.33        34.84
        Women's shirts, tops, blouses.......................        96.49       106.16        99.89       100.85
        Women's skirts......................................        19.13        22.83        20.99        20.98
        Women's pants.......................................        58.46        72.07        74.88        68.47
        Women's shorts, shorts sets.........................        23.01        25.21        22.75        23.66
        Women's active sportswear...........................        24.30        29.46        29.78        27.85
        Women's sleepwear...................................        24.72        22.66        24.69        24.02
        Women's undergarments...............................        24.46        31.17        31.74        29.12
        Women's hosiery.....................................        25.02        21.93        24.03        23.66
        Women's suits.......................................        37.27        33.78        36.91        35.99
        Women's accessories.................................        49.54        46.86        46.34        47.58
        Women's uniforms....................................         0.42         2.00         2.40         1.61
        Women's costumes....................................         1.73         1.48         2.30         1.84
        Girls, 2 to 15......................................       101.38       103.22       108.07       104.22
        Girls' coats and jackets............................         7.23         6.84         6.87         6.98
        Girls' dresses, suits...............................        13.99        13.73        13.78        13.83
        Girls' shirts, blouses, sweaters....................        25.48        20.64        25.29        23.80
        Girls' skirts and pants.............................        16.06        17.94        20.22        18.07
        Girls' shorts, shorts sets..........................         9.07         9.98         9.57         9.54
        Girls' active sportswear............................         6.56        12.65         7.61         8.94
        Girls' underwear and sleepwear......................         7.49         7.67         6.85         7.34
        Girls' hosiery......................................         5.82         4.87         5.30         5.33
        Girls' accessories..................................         4.55         4.61         5.78         4.98
        Girls' uniforms.....................................         2.15         1.94         3.49         2.53
        Girls' costumes.....................................         2.98         2.35         3.31         2.88
        Children under 2....................................        83.32        83.72        83.64        83.56
        Infant coat, jacket, snowsuit.......................         2.69         3.30         3.19         3.06
        Infant dresses, outerwear...........................        22.30        23.32        15.99        20.54
        Infant underwear....................................        49.15        48.46        48.36        48.66
        Infant nightwear, loungewear........................         3.94         3.78         4.65         4.12
        Infant accessories..................................         5.23         4.86        11.46         7.18

[[Page 44128]]

 
        Infant hosiery......................................           NA           NA           NA           NA
        Footwear............................................       258.43       287.27       325.60       290.43
        Men's footwear......................................        84.05       103.76       102.71        96.84
        Boys' footwear......................................        34.18        28.94        30.90        31.34
        Women's footwear....................................       113.26       121.72       160.65       131.88
        Girls' footwear.....................................        26.94        32.85        31.34        30.38
    Other apparel products and services.....................       274.00       268.09       255.13       265.74
        Material for making clothes.........................         7.24         5.46         4.55         5.75
        Sewing patterns and notions.........................         2.57         2.13         5.49         3.40
        Watches.............................................        24.45        20.37        30.26        25.03
        Jewelry.............................................       108.96       109.19       144.54       120.90
        Shoe repair and other shoe service..................         3.16         2.88         2.47         2.84
        Coin-operated apparel laundry and dry cleaning......        37.33        40.94        20.94        33.07
        Apparel alteration and repair.......................         6.90         5.90         6.41         6.40
        Clothing rental.....................................         3.75         3.46         4.00         3.74
        Watch and jewelry repair............................         5.99         5.41         5.54         5.65
        Apparel laundry and dry cleaning not coin operated..        73.18        71.82        30.57        58.52
        Clothing storage....................................         0.47         0.52         0.35         0.45
    Transportation..........................................      6075.53      6123.07      6669.29      6289.30
    Vehicle purchases (net outlay)..........................      2703.01      2677.81      2856.48      2745.77
        Cars and trucks, new................................      1333.33      1188.62      1310.11      1277.35
        New cars............................................       727.70       688.75       748.92       721.79
        New trucks..........................................       605.63       499.87       561.19       555.56
        Cars and trucks, used...............................      1320.82      1456.39      1499.72      1425.64
        Used cars...........................................       866.68       963.07       935.75       921.83
        Used trucks.........................................       454.14       493.32       563.97       503.81
        Other vehicles......................................        48.85        32.80        46.64        42.76
        New motorcycles.....................................        25.77        17.64        26.57        23.33
        New aircraft........................................           NA           NA           NA           NA
        Used motorcycles....................................        23.09        15.16        18.52        18.92
        Used aircraft.......................................           NA           NA         1.55         0.52
        Gasoline and motor oil..............................       989.97      1014.48      1110.22      1038.22
        Gasoline............................................       877.48       904.95       990.79       924.41
        Diesel fuel.........................................         9.16        10.91        10.97        10.35
        Gasoline on out-of-town trips.......................        90.64        86.11        94.78        90.51
        Gasohol.............................................         0.18         0.00         0.00         0.06
        Motor oil...........................................        11.60        11.64        12.73        11.99
        Motor oil on out-of-town trips......................         0.92         0.87         0.96         0.92
        Other vehicle expenses..............................      1989.07      2064.09      2312.48      2121.88
        Vehicle finance charges.............................       238.49       267.24       304.80       270.18
        Automobile finance charges..........................       139.82       154.84       166.22       153.63
        Truck finance charges...............................        86.72        99.05       122.32       102.70
        Motorcycle and plane finance charges................         1.05         1.36         1.64         1.35
        Other vehicle finance charges.......................        10.90        11.98        14.63        12.50
        Maintenance and repairs.............................       700.79       675.26       719.82       698.62
        Coolant, additives, brake, transmission fluids......         6.32         5.79         6.21         6.11
        Tires--purchased, replaced, installed...............        89.79        90.02        91.83        90.55
        Parts, equipment, and accessories...................       111.43        64.20        55.56        77.06
        Vehicle audio equipment, excluding labor............         5.45        10.74         2.59         6.66
        Vehicle products....................................         5.28         3.89         8.44         6.16
        Misc. auto repair, servicing........................        33.34        36.88        62.12        44.11
        Body work and painting..............................        36.88        32.55        34.22        34.55
        Clutch, transmission repair.........................        46.56        45.07        44.96        45.53
        Drive shaft and rear-end repair.....................         5.94         6.61         4.90         5.82
        Brake work..........................................        43.70        48.70        59.86        50.75
        Repair to steering or front-end.....................        18.42        20.05        17.55        18.67
        Repair to engine cooling system.....................        22.60        24.32        20.86        22.59
        Motor tune-up.......................................        42.86        43.84        47.84        44.85
        Lube, oil change, and oil filters...................        39.86        44.30        56.59        46.92
        Front-end alignment, wheel balance..................           NA           NA           NA           NA
        Front-end alignment, wheel balance and rotation.....         9.78        11.19        12.81         8.00
        Shock absorber replacement..........................         7.04         6.98         5.46         6.49
        Brake adjustment....................................         3.89         3.18         0.00         2.36
        Gas tank repair, replacement........................         2.52         1.73         1.50         1.92
        Repair tires and other repair work..................        27.94        34.28        30.50        30.91
        Vehicle air conditioning repair.....................        14.87        15.01        19.49        17.25
        Exhaust system repair...............................        20.56        20.98        19.73        20.42
        Electrical system repair............................        31.39        30.57        30.71        30.89
        Motor repair, replacement...........................        69.19        68.10        78.68        71.99
        Auto repair service policy..........................         5.17         6.27         7.41         6.28

[[Page 44129]]

 
    Vehicle insurance.......................................       698.00       726.03       779.47       734.50
    Vehicle rental, leases, licenses, other charges.........       351.79       395.56       508.38       418.58
        Leased and rented vehicles..........................       196.83       230.89       325.60       251.11
        Rented vehicles.....................................        39.82        38.99        41.38        40.06
        Auto rental.........................................         6.03         7.41         7.28         6.91
        Auto rental, out-of-town trips......................        26.09        26.90        27.04        26.68
        Truck rental........................................         1.68         1.13         2.20         1.67
        Truck rental, out-of-town trips.....................         4.61         3.35         4.43         4.13
        Motorcycle rental...................................           NA           NA           NA           NA
        Aircraft rental.....................................         0.16         0.00         0.12         0.08
        Motorcycle rental, out-of-town trips................         0.09         0.12         0.07         0.09
        Aircraft rental, out-of-town trips..................         1.16         0.09         0.24         0.50
        Leased vehicles.....................................       157.01       191.89       284.22       211.04
        Car lease payments..................................       104.24       125.21       157.26       128.90
        Cash downpayment (car lease)........................         9.84        12.91        12.37        11.71
        Termination fee (car lease).........................         0.44         0.28         1.88         0.87
        Truck lease payments................................        38.15        51.07        99.28        62.83
        Cash downpayment (truck lease)......................         4.30         2.13        12.66         6.36
        Termination fee (truck lease).......................         0.03         0.29         0.78         0.37
        State and local registration........................        82.74        89.55       102.43        91.57
        Driver's license....................................         7.34         7.34         7.75         7.48
        Vehicle inspection..................................         8.78         9.52         9.42         9.24
        Parking fees........................................        27.47        27.86        30.22        28.52
        Parking fees (old)..................................           NA           NA           NA           NA
        Parking fees in home city, excluding residence......        24.17        24.09        26.27        24.84
        Parking fees, out-of-town trips.....................         3.30         3.77         3.95         3.67
        Tolls...............................................        10.47        12.04        14.49        12.33
        Tolls on out-of-town trips..........................         4.69         4.76         4.53         4.66
        Towing charges......................................         5.37         5.11         5.24         5.24
        Automobile service clubs............................         8.10         8.49         8.68         8.42
    Public transportation...................................       393.48       366.69       390.11       383.43
        Airline fares.......................................       253.06       234.86       253.59       247.17
        Intercity bus fares.................................        11.57        14.61        11.46        12.55
        Intracity mass transit fares........................        49.28        49.60        54.55        51.14
        Local trans. on out-of-town trips...................        10.19         9.25        12.23        10.56
        Taxi fares on trips.................................         5.99         5.43         7.18         6.20
        Taxi fares..........................................         8.23         7.61         9.81         8.55
        Intercity train fares...............................        17.13        19.01        21.26        19.13
        Ship fares..........................................        36.91        25.86        18.98        27.25
        School bus..........................................         1.12         0.47         1.05         0.88
    Health care.............................................      1768.03      1746.75      1897.69      1804.16
        Health insurance....................................       818.43       864.44       899.75       860.87
        Commercial health insurance.........................       251.06       234.49       202.04       229.20
        Blue Cross, Blue Shield.............................       159.34       170.15       196.27       175.25
        Health maintenance plans (HMO's)....................       127.97       150.70       232.26       170.31
        Medicare payments...................................       157.72       175.97       166.85       166.85
        Commercial medicare supplements.....................       122.35       133.13       102.33       119.27
        Medical services....................................       567.28       501.51       543.63       537.47
        Physician's services................................       159.89       140.03       137.85       145.92
        Dental services.....................................       194.50       192.07       209.60       198.72
        Eyecare services....................................        29.81        29.82        27.68        29.10
        Service by professionals other than physician.......        32.95        38.29        40.94        37.39
        Lab tests, x-rays...................................        25.73        22.15        24.56        24.15
        Hospital room.......................................        44.70        32.45        33.78        36.98
        Hospital service other than room....................        54.60        28.76        50.70        44.69
        Medical care in retirement community................           NA           NA           NA           NA
        Care in convalescent or nursing home................        13.21         8.79        12.24        11.41
        Repair of medical equipment.........................           NA           NA         0.31         0.10
        Other medical care services.........................        11.88         9.16         5.98         9.01
        Drugs...............................................       294.24       293.39       341.61       309.75
        Nonprescription drugs...............................        84.17        86.92       117.91        96.33
        Prescription drugs..................................       210.08       206.47       223.69       213.41
        Medical supplies....................................        88.07        87.41       112.71        96.06
        Eyeglasses and contact lenses.......................        54.20        55.05        61.25        56.83
        Hearing aids........................................         0.94         0.00        12.21         0.47
        Topicals and dressings..............................        24.55        23.49        31.34        26.46
        Medical equipment for general use...................         2.41         2.90         2.67         2.66
        Supportive and convalescent medical equipment.......         3.82         4.61         2.87         3.77
        Rental of medical equipment.........................         0.72         0.34         0.44         0.50
        Rental of supportive, convalescent medical equipment         1.43         1.02         1.92         1.46

[[Page 44130]]

 
    Entertainment...........................................      1619.28      1687.41      1867.58      1724.76
        Fees and admissions.................................       451.13       447.26       490.22       462.87
        Recreation expenses, out-of-town trips..............        22.00        22.61        26.13        23.58
        Social, recreation, civic club membership...........        87.17        80.62        78.75        82.18
        Fees for participant sports.........................        73.87        69.49        76.71        73.36
        Participant sports, out-of-town trips...............        27.40        27.94        30.43        28.59
        Movie, theater, opera, ballet.......................        78.89        75.36        89.89        81.38
        Movie, other admissions, out-of-town trips..........        37.79        42.78        44.47        41.68
        Admission to sporting events........................        32.52        31.57        35.80        33.30
        Admission to sports events, out-of-town trips.......        12.59        14.26        14.82        13.89
        Fees for recreational lessons.......................        56.90        60.02        67.09        61.34
        Other entertainment services, out-of-town trips.....        22.00        22.61        26.13        23.58
        Television, radios, sound equipment.................       545.23       560.84       596.05       567.37
        Televisions.........................................       376.08       376.88       411.26       388.07
        Community antenna or cable tv.......................       209.78       220.04       265.14       231.65
        Black and white tv..................................         2.23         2.51         0.75         1.83
        Color tv--console...................................        25.51        27.65        24.22        25.79
        Color tv--portable, table model.....................        54.63        47.71        41.13        47.82
        VCR's and video disc players........................        32.98        29.11        28.25        30.11
        Video cassettes, tapes, and discs...................        22.55        25.44        23.81        23.93
        Video game hardware and software....................        19.24        15.27        20.40        18.30
        Repair of tv, radio, and sound equipment............         8.79         7.99         7.31         8.03
        Rental of televisions...............................         0.36         1.16         0.26         0.59
        Radios, sound equipment.............................       169.15       183.96       184.79       179.30
        Radios..............................................         9.05        12.59        13.28        11.64
        Phonographs.........................................           NA           NA           NA           NA
        Tape recorders and players..........................         5.86        12.77         7.72         8.78
        Sound components and component systems..............        31.51        33.69        31.48        32.23
        Miscellaneous sound equipment.......................         1.51         0.64         0.77         0.97
        Sound equipment accessories.........................         4.83         4.82         5.84         5.16
        Satellite dishes....................................           NA           NA         2.98         0.99
        Compact disc, tape, record and video mail order             13.11        13.35        11.02        12.49
         clubs..............................................
        Records, CDs, audio tapes, needles..................        37.80        40.00        41.96        39.92
        Rental of VCR, radio, and sound equipment...........         0.35         0.28         0.46         0.36
        Musical instruments and accessories.................        17.62        20.47        24.88        20.99
        Rental and repair of musical instruments............         2.06         1.86         1.78         1.90
        Rental of video cassettes, tapes, films, and discs..        45.45        43.48        42.63        43.85
    Pets, toys, and playground equipment....................       305.98       348.78       339.01       331.26
    Pets....................................................       177.55       223.00       207.71       202.75
        Pet food............................................        82.75        86.92        94.36        88.01
        Pet purchase, supplies, medicine....................        29.36        57.03        40.02        42.14
        Pet services........................................        16.52        20.41        17.95        18.29
        Vet services........................................        48.92        58.65        55.38        54.32
        Toys, games, hobbies, and tricycles.................       125.48       123.52       130.24       126.41
        Playground equipment................................         2.95         2.26         1.06         2.09
    Other entertainment supplies, equipment, and services...       316.93       330.53       442.30       363.25
        Unmotored recreational vehicles.....................        29.18        30.46        44.74        34.79
        Boat without motor and boat trailers................         5.16         3.63         9.03         5.94
        Trailer and other attachable campers................        24.02        26.84        35.71        28.86
        Motorized recreational vehicles.....................        81.72        77.55       133.84        97.70
        Motorized camper coaches and other vehicles.........        43.13        36.43        34.01        37.86
        Purchase of boat with motor.........................        38.58        41.12        99.84        59.85
        Rental of recreational vehicles.....................         2.42         3.01         3.86         3.10
        Rental noncamper trailer............................         0.13         0.14         0.03         0.10
        Boat and trailer rental, out-of-town trips..........         0.74         1.24         2.77         1.58
        Rental of campers, etc. on out-of-town trips (old)..           NA           NA           NA           NA
        Rental of campers on out-of-town trips..............         0.39         0.36         0.33         0.36
        Rental of other vehicles on out-of-town trips.......         0.66         1.03         0.54         0.74
        Rental of boat......................................         0.10         0.01         0.03         0.05
        Rental of campers, other r.v.'s.....................         0.40         0.24         0.15         0.26
        Outboard motors.....................................         2.05         0.44         2.84         1.78
        Docking and landing fees............................         5.05         4.76         8.96         6.26
        Sports, recreation and exercise equipment...........       115.10       115.57       133.36       121.34
        Athletic gear, game tables, and exercise equipment..        54.37        51.11        61.04        55.51
        Bicycles............................................        14.10        13.23        16.25        14.53
        Camping equipment...................................         3.61         7.30         8.56         6.49
        Hunting and fishing equipment.......................        20.58        17.87        18.35        18.93
        Winter sports equipment.............................         4.99         3.73         5.48         4.73
        Water and miscellaneous sport equipment.............        15.51        20.52        21.51        19.18
        Rental and repair of misc. sports equipment.........         1.95         1.83         2.18         1.99

[[Page 44131]]

 
        Photographic equipment and supplies.................        74.17        87.03        94.84        85.35
        Film................................................        20.48        20.91        21.93        21.11
        Other photographic supplies.........................         0.31         0.40         1.29         0.67
        Film processing.....................................        28.34        29.72        30.86        29.64
        Repair and rental of photographic equipment.........         0.33         0.30         0.56         0.40
        Photographic equipment..............................        12.63        12.58        14.83        13.35
        Photographer fees...................................        12.09        23.10        25.37        20.19
        Fireworks...........................................         0.76         2.69         2.93         2.13
        Souvenirs...........................................         0.49         0.18         0.91         0.53
        Visual goods........................................         1.49         1.76         3.55         2.27
        Pinball, electronic video games.....................         4.50         7.07        12.48         8.02
    Personal care products and services.....................       414.76       429.80       551.28       465.28
        Personal care products..............................       235.24       229.70       262.83       242.59
        Hair care products..................................        49.23        42.18        55.39        48.93
        Nonelectric articles for the hair...................         7.26         4.70         7.59         6.52
        Wigs and hairpieces.................................         0.89         0.89         1.35         1.04
        Oral hygiene products, articles.....................        25.52        23.92        29.26        26.23
        Shaving needs.......................................        12.64        13.06        11.85        12.52
        Cosmetics, perfume, bath preparation................       106.82       112.96       120.23       113.34
        Deodorants, feminine hygiene, misc. personal care...        28.40        28.04        32.35        29.60
        Electric personal care appliances...................         4.46         3.94         4.80         4.40
        Personal care services..............................       179.53       200.11       288.45       222.70
        Personal care service for females...................        89.46       107.59       190.41       129.15
        Personal care service for males.....................        89.94        92.24        97.86        93.35
        Repair of personal care appliances..................         0.12         0.28         0.18         0.19
    Reading.................................................       171.39       170.42       171.24       171.02
        Newspapers..........................................        70.94        71.14        69.98        70.69
        Magazines...........................................        39.53        38.06        36.36        37.98
        Newsletters.........................................         0.15         0.27         0.00         0.14
        Books thru book clubs...............................        11.44        10.29        11.18        10.97
        Books not thru book clubs...........................        47.99        48.98        52.79        49.92
        Encyclopedia and other sets of reference books......         1.33         1.67         0.94         1.31
    Education...............................................       469.39       477.94       547.80       498.38
        College tuition.....................................       275.33       271.57       303.14       283.35
        Elementary and high school tuition..................        65.45        76.52        87.97        76.65
        Other schools tuition...............................        15.34        14.55        16.61        15.50
        Other school expenses including rentals.............        19.50        17.94        28.77        22.07
        School books, supplies, equipment for college.......        39.14        36.93        47.48        41.18
        School books, supplies, etc. for elementary and high         9.71         8.71        12.88        10.43
         school.............................................
        School books, supplies, etc. for day care, nursery,          3.49         1.99         2.95         2.81
         other..............................................
        School supplies, etc.--unspecified..................        41.43        49.73        48.00        46.39
    Tobacco products and smoking supplies...................       261.81       271.59       271.17       268.19
        Cigarettes..........................................       238.23       244.94       237.35       240.17
        Other tobacco products..............................        21.96        25.50        31.47        26.31
        Smoking accessories.................................         1.62         1.15         2.35         1.71
    Miscellaneous...........................................       810.79       808.33       888.10       835.74
        Miscellaneous fees, pari-mutuel losses..............        50.63        53.69        54.63        52.98
        Legal fees..........................................       119.22        99.93       124.33       114.49
        Funeral expenses....................................        91.97        86.77        69.79        82.84
        Safe deposit box rental.............................         5.79         5.47         6.65         5.97
        Checking accounts, other bank service charges.......        27.69        27.35        25.65        26.90
        Cemetery lots, vaults, maintenance fees.............        19.45        14.55        20.06        18.02
        Accounting fees.....................................        44.90        41.35        50.62        45.62
        Miscellaneous personal services.....................        27.76        23.44        41.30        30.83
        Finance charges excluding mortgage and vehicle......       228.84       244.92       272.33       248.70
        Occupational expenses...............................        94.19       115.56       115.16       108.30
        Expenses for other properties.......................        94.77        90.93       102.70        96.13
        Interest paid, home equity line of credit (other             0.50         0.15         0.57         0.41
         property)..........................................
        Credit card memberships.............................         5.08         4.23         4.32         4.54
    Cash contributions......................................      1066.81      1034.59      1084.76      1062.05
        Cash contributions to non-CU memb., incl. child            292.68       256.97       265.70       271.78
         sup., etc..........................................
        Gifts of cash, stocks and bonds to non-CU members...       228.78       198.88       246.98       224.88
        Contributions to charity............................       102.81        97.57       112.21       104.20
        Contributions to church.............................       404.30       428.54       426.74       419.86
        Contributions to educational organizations..........        22.66        40.51        18.37        27.18
        Contributions to political organizations............         8.33         3.69         7.27         6.43
        Other contributions.................................         7.25         8.44         7.48         7.72
    Personal insurance and pensions.........................      3404.08      3520.62      3830.30      3585.00
        Life and other personal insurance...................       413.43       382.39       386.53       394.12
        Life, endowment, annuity, other personal insurance..       395.89       369.76       376.74       380.80

[[Page 44132]]

 
        Other nonhealth insurance...........................        17.54        12.63         9.79        13.32
        Pensions and Social Security........................      2990.65      3138.23      3443.76      3190.88
        Deductions for government retirement................        84.07        81.20        99.84        88.37
        Deductions for railroad retirement..................         5.38         6.53         2.81         4.91
        Deductions for private pensions.....................       324.08       399.84       416.13       380.02
        Non-payroll deposit to retirement plans.............       331.09       352.23       426.72       370.01
        Deductions for Social Security......................      2246.03      2298.44      2498.27     2347.58
----------------------------------------------------------------------------------------------------------------
*Data might not be statistically significant.
Source: Bureau of Labor Statistics.

Appendix 4--CES Category and Component Expenditures

                              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:
    1994..........................   $12,340.00   $17,229.00   $24,721.00   $34,402.00   $44,388.00   $84,162.24
    1995..........................    12,420.00    17,341.00    24,603.00    34,606.00    44,408.00    81,698.83
    1997..........................    12,411.00    17,393.00    24,599.00    34,583.00    44,396.00    83,479.01
        Average...................    12,390.33    17,321.00    24,641.00    34,530.33    44,397.33    83,113.36
Goods and services:
    1994..........................     6,989.07     8,346.77    10,014.51    12,274.85    14,404.18    21,193.80
    1995..........................     7,340.81     8,788.33    10,287.78    12,679.10    14,447.22    21,289.89
    1997..........................     7,126.13     9,182.97    10,341.33    12,694.83    14,648.83    21,839.22
         Average..................     7,152.00     8,772.69    10,214.54    12,549.59    14,500.08    21,440.97
Food at home:
    1994..........................     2,219.92     2,437.04     2,597.85     2,833.99     3,175.54     3,797.84
    1995..........................     2,205.73     2,732.23     2,611.14     2,906.99     3,358.72     3,871.65
    1997..........................     2,155.29     2,634.17     2,700.57     3,061.75     3,221.35     3,947.54
        Average...................     2,193.65     2,601.15     2,636.52     2,934.24     3,251.87     3,872.34
Food away from home:
    1994..........................       822.30     1,089.35     1,334.07     1,820.82     2,211.78     3,383.08
    1995..........................       866.36     1,148.01     1,454.82     1,803.04     2,139.09     3,265.04
    1997..........................       850.96     1,129.49     1,408.37     1,826.26     2,208.13     3,334.44
        Average...................       846.54     1,122.28     1,399.09     1,816.71     2,186.33     3,327.52
Alcohol:
    1994..........................       135.15       215.61       287.46       347.42       327.07       495.08
    1995..........................       194.58       179.17       218.69       242.44       378.37       568.80
    1997..........................       127.94       189.83       255.66       319.14       362.58       562.22
        Average...................       152.56       194.87       253.94       303.00       356.01       542.03
Domestic Service:
    1994..........................        85.17       111.05       203.94       235.13       310.43       489.65
    1995..........................       111.01       126.23       166.25       343.84       349.86       473.43
    1997..........................       135.46       140.64       173.64       179.50       271.20       557.40
        Average...................       110.55       125.97       181.28       252.82       310.50       506.83
Furnishings & household
 operations:
    1994..........................     1,128.53     1,178.62     1,521.80     1,938.32     2,574.21     4,075.65
    1995..........................     1,109.71     1,246.51     1,649.53     1,999.62     2,229.32     4,360.44
    1997..........................     1,142.56     1,394.61     1,559.08     2,066.86     2,519.05     4,160.24
        Average...................     1,126.93     1,273.25     1,576.80     2,001.60     2,440.86     4,198.78
Clothing:
    1994..........................       790.15     1,079.54     1,464.58     1,672.99     1,890.64     3,188.54
    1995..........................       923.98     1,186.11     1,469.03     1,658.21     2,075.29     3,128.63
    1997..........................       771.06     1,183.65     1,363.48     1,772.40     1,778.08     3,041.32
        Average...................        828.4     1,149.77     1,432.36     1,701.20     1,914.67     3,119.50
Recreation:
    1994..........................       828.97     1,060.46     1,342.40     1,741.22     2,128.85     3,451.76
    1995..........................       988.13     1,015.06     1,357.80     1,942.08     2,113.61     3,445.93
    1997..........................       924.79     1,174.72     1,414.87     1,672.88     2,223.76     3,794.38
        Average...................       913.96     1,083.41     1,371.69     1,785.39     2,155.41     3,564.02
Personal Care:
    1994..........................       256.43       286.31       348.68       454.00       491.54       693.28
    1995..........................       272.68       299.08       362.99       450.49       541.39       685.06
    1997..........................       329.05       402.15       497.08       593.70       571.42       836.32
        Average...................       286.05       329.18       402.92       499.40       534.78       738.22
Tobacco:
    1994..........................       222.20       250.93       280.57       340.50       295.12       278.18
    1995..........................       198.73       275.38       309.00       324.43       274.74       297.88

[[Page 44133]]

 
    1997..........................       248.16       271.68       263.44       320.89       286.42       287.99
        Average...................       223.03       266.00       284.34       328.61       285.43       288.02
Professional Services:
    1994..........................       500.25       637.86       633.16       890.46       999.00     1,340.74
    1995..........................       469.90       580.55       688.53     1,007.96       986.83     1,193.04
    1997..........................       440.86       662.03       705.14       881.45     1,206.84     1,317.38
        Average...................       470.34       626.81       675.61       926.62     1,064.22     1,283.72
Housing:
    1994..........................     5,231.62     5,948.47     6,764.14     7,878.29     9,000.79    12,785.95
    1995..........................     5,523.22     6,036.42     6,602.85     8,126.79     9,423.94    13,031.92
    1997..........................     5,600.14     6,512.21     7,049.74     8,407.00    10,626.32    13,497.32
        Average...................     5,451.66     6,165.70     6,805.58     8,137.36     9,683.68    13,105.07
Transportation:
    1994..........................     2,757.80     4,313.27     5,598.36     6,010.98     8,886.15    10,415.29
    1995..........................     3,326.35     4,016.68     5,281.03     6,411.15     7,505.49    10,725.91
    1997..........................     3,145.83     4,234.05     5,248.86     7,139.14     8,443.90    10,957.66
        Average...................     3,076.66     4,188.00     5,376.08     6,520.42     8,278.51    10,699.62
Private transportation:
    1994..........................     2,560.05     4,021.24     5,343.02     5,696.30     8,493.93     9,583.58
    1995..........................     3,141.90     3,812.35     5,051.61     6,087.00     7,181.50     9,948.58
    1997..........................     2,996.28     4,017.36     4,992.24     6,851.42     8,086.29    10,183.37
        Average...................     2,899.41     3,950.32     5,128.96     6,211.57     7,920.57     9,905.18
Air fares & other transportation
 expenses:
    1994..........................       197.75       292.03       255.34       314.68       392.22       831.71
    1995..........................       184.45       204.33       229.42       324.15       323.99       777.33
    1997..........................       149.55       216.69       256.62       287.72       357.61       774.29
        Average...................       177.25       237.68       247.13       308.85       357.94       794.44
Miscellaneous:
    1994..........................     2,574.86     3,285.99     4,378.03     6,077.48     7,606.33    13,486.24
    1995..........................     2,572.70     3,626.25     4,410.77     5,771.32     7,520.24    13,325.24
    1997..........................     2,586.22     3,756.39     4,956.00     5,797.64     7,733.97    13,397.80
        Average...................     2,577.93     3,556.21     4,581.60     5,882.15     7,620.18    13,403.09
Education, K-12, Private:
    1994..........................         7.13        47.92        41.54        58.93        79.83       216.02
    1995..........................        38.05         9.99        45.96        39.93        75.34       252.12
    1997..........................        13.92        32.62       113.72        60.22       115.60       222.99
        Average...................        19.70        30.18        67.07        53.03        90.26       230.38
Health care:
    1994..........................     1,484.32     1,666.38     1,578.60     1,761.97     2,007.63     2,447.22
    1995..........................     1,485.92     1,612.11     1,724.73     1,666.17     1,959.98     2,329.26
    1997..........................     1,562.88     1,830.30     1,917.78     1,819.54     2,052.42     2,434.81
        Average...................     1,511.04     1,702.93     1,740.37     1,749.23     2,006.68     2,403.77
Cash contributions:
    1994..........................       396.39       455.67       771.77     1,049.71     1,005.01     2,428.04
    1995..........................       452.91       804.69       730.13       816.26     1,046.00     2,171.79
    1997..........................       380.68       827.79       998.84       841.16     1,176.10     1,934.48
        Average...................       409.99       696.05       833.58       902.38     1,075.70     2,178.10
Personal insurance:
    1994..........................       687.02     1,116.02     1,986.12     3,206.87     4,513.86     8,394.96
    1995..........................       595.82     1,199.46     1,909.95     3,248.96     4,438.92     8,572.07
    1997..........................       628.74     1,065.68     1,925.66     3,076.72     4,389.85     8,805.52
        Average...................       637.19     1,127.05     1,940.58     3,177.52     4,447.54     8,590.85
Consumer units:
    1994..........................        9,780        7,851       13,975       10,922        8,280       20,609
    1995..........................        8,725        7,724       12,643       10,648        8,191       20,952
    1997..........................        9,096        7,424       12,415       10,392        7,949       24,635
Percentage of Owners with
 Mortgage:
    1994..........................          14%          17%          31%          44%          53%          68%
    1995..........................          14%          24%          31%          42%          52%          70%
    1997..........................          14%          20%          26%          40%          51%          68%
Percentage of Renters:
    1994..........................          49%          47%          42%          34%          25%          15%
    1995..........................          49%          43%          39%          35%          26%          13%
    1997..........................          47%          43%          42%          38%          28%          15%
Owners with Mortgages as
 Percentage of Renters Plus Owners
 with Mortgages:
    1994..........................       22.22%       26.56%       42.47%       56.41%       67.95%       81.93%
    1995..........................       22.22%       35.82%       44.29%       54.55%       66.67%       83.78%
    1997..........................       22.95%       31.75%       38.24%       51.28%       64.56%       81.57%
        Average...................       22.46%       31.38%       41.67%       54.08%       66.39%       82.43%
Renters as Percentage of Renters
 Plus Owners with Mortgages:

[[Page 44134]]

 
    1994..........................       77.78%       73.44%       57.53%       43.59%       32.05%       18.07%
    1995..........................       77.78%       64.18%       55.71%       45.45%       33.33%       16.22%
    1997..........................       77.05%       68.25%       61.76%       48.72%       35.44%       18.43%
        Average...................       77.54%       68.62%       58.33%       45.92%       33.61%      17.57%
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.

Appendix 5--Item Descriptions

    Accounting services--Hourly rate for individual tax work (not 
business). Obtain rate for preparing Federal 1040 and Schedule A tax 
forms with typical itemized deductions. Price separately and note in 
comments the charge for preparing equivalent State or local tax 
forms.
    Apples, fresh--Price per lb of apples, loose (not in bag). If 
only bagged apples are available, report the weight of the bag. Use: 
Red delicious, Golden delicious.
    Area rug--Catalog Item. 8  x  11 braided rug, 100% wool or wool 
blend. Include shipping and handling. Use: JC Penney.
    ATV--All terrain sports vehicle with 4-wheel drive and a 250 to 
300 CC (approximate size) engine. Do not price industrial ATVs 
(similar to sports model but heavier duty) or Arctic Cat models. 
Use: Honda TRX399FW, Suzuki 250LT4WDT, Polaris W968040.
    Automobile finance--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.
    Baby food--4 oz jar strained vegetables or fruit. Use: Gerber 
Second Foods, Heinz.
    Babysitter--Use minimum hourly wage appropriate to area.
    Bacon, sliced--16 oz (1 lb) package USDA grade, regular sliced 
bacon. Do not price Canadian bacon, extra thick sliced, or extra 
lean. Use: Oscar Mayer, Hormel, Armour.
    Baking dish--8" square glass baking dish (any color), no cover 
or lid. Use: Pyrex, Anchor Hocking.
    Bananas, fresh--1 lb of bananas. If sold by bunch, report price 
and weight of bunch. Use: Available Variety.
    Basic cable service--Rate for one month of lowest level of 
service for cable TV. Report the number of channels offered. If 
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.
    Bath towel--Catalog Item. 27  x  50" bath towel made of 100% 
cotton. Include shipping and handling. Use: JC Penney Fieldcrest 
Royal Velvet.
    Bathroom caulking--5.5 oz plastic tube (not caulking gun type) 
of latex white bathroom caulking. Use: DAP Kwik Seal, Red Devil.
    Bed sheet set--Catalog Item. One flat queen-size no iron cotton/
polyester percale sheet (200 thread count). Include shipping and 
handling. Use: JC Penney Home Collection.
    Bedroom set--Catalog Item. Five-piece oak bedroom set; vertical 
mirror, triple dresser, five-drawer chest, nightstand, full/queen 
headboard. Include shipping and handling. Use: JC Penney.
    Beer at home--Six-pack of 12 oz cans (Puerto Rico--10 oz cans). 
Do not price refrigerated beer unless that is the only type 
available. Use: Budweiser.
    Beer away--One glass of Budweiser/Miller Lite beer. Use: Same 
restaurant where dinner price is obtained.
    Board game--Do not price deluxe edition. Use: Monopoly, Sorry, 
Scrabble.
    Book--Store price (not publisher's price unless that is the 
store price) for top selling paperback. Use: Special Delivery, Cold 
Mountain, Devine.
    Bottled water--One gallon (128 fl oz) bottled spring water. Do 
not price sparkling or distilled water. Use: Store brand.
    Bowling--One game of open (or non-league) 10-pin bowling on 
Saturday night. Exclude shoe rental. If priced by the hour, report 
the estimated number of games per hour. Do not price duck-pin 
bowling.
    Boy's jeans--Regular fit (size 9-14), inexpensive jeans. Do not 
price bleached, stone-washed, or designer jeans. Use: Wrangler, 
Rustlers.
    Boy's polo shirt--Knit polo shirt with collar, solid color, 
preferably without embroidered emblem. Size 7-14. Price department 
store brand not Izod, Polo or equivalents. Use: JC Penney, Sears.
    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. Use: Ocean Pacific, Team Shirts (NFL), 
Miller.
    Bread, white--16 oz loaf of sliced white bread. Do not price 
store brand. Use: Wonder, Sunbeam.
    Breakfast--One breakfast consisting of 2 strips of bacon or 2 
sausages, 2 eggs, toast, and coffee or juice. Report percentages 
added for tax. Use: Denny's, Holiday Inn type, IHOP type.
    Broker rental low--Monthly rent for three room, one bedroom, one 
bath apartments (average size roughly 600 sq ft.). Obtain three 
price estimates of the prevailing range of rental rates in area 
(low, median & high). To the extent practical, obtain square 
footage, age of the unit, total room count, whether utilities are 
included, and special amenities.
    Broker rental mid--Monthly rent for four room, two bedroom, one 
bath apartments (average size roughly 900 sq ft.). Obtain three 
price estimates of the prevailing range of rental rates in area 
(low, median & high). To the extent practical, obtain square 
footage, age of the unit, total room count, whether utilities are 
included, and special amenities.
    Broker rental upr--Monthly rent for four room, two bedroom, two 
bath townhouse or detached house (average size roughly 1100 sq ft.). 
Obtain three price estimates of the prevailing range of rental rates 
in area (low, median & high). To the extent practical, obtain square 
footage, age of the unit, total room count, whether utilities are 
included, and special amenities.
    Camera film--35 millimeter, 24 exposure, 100 ASA Kodak camera 
film in single pack. Use: Kodak, Fuji.
    Candy bar--One regular size candy bar. Weight could range from 
1.55 oz to 2.13 oz. Do not price king-size or multi-pack candy bars. 
Use: Snickers, Hersheys, Mars.
    Canned soup--One can Campbell's soup, regular size 
(approximately 10 oz). Do not price hearty, reduced fat or salt free 
varieties. Use: Campbell's Vegetable, Campbell's Chicken Noodle.
    Celery, fresh--Price per pound for celery. Do not price celery 
hearts or Pascal type celery. If celery is sold only by the bunch, 
report the price and the weight of an average bunch. Find equivalent 
size bunches at each store. Use: Available Brand.
    Cereal--20 oz box of cereal. Do not price significantly larger 
or smaller size. Use: Post Raisin Bran, Kellogg's Raisin Bran.
    Charge card annl fee--Annual fee on major charge card through 
local bank. Note: Finance charges are reported as Charge Card 
Finance (see item description immediately below). Both charges must 
be obtained for the same card. Use: Mastercard, Visa.
    Charge card finance--Finance charges on a major charge card 
through a local bank. Record Annual Percentage Rate. Report the 
financial charge on the first month's balance of $1500. Do not 
include principal payments. Note: Annual fees are reported as a 
Charge Card Annual Fee (see item description immediately above). 
Both charges must be for the same card. Do not price special 
introductory rates. Use: Mastercard, Visa.
    Cheddar cheese--10 oz package cheese. Price mild cheddar if 
available. Use: Kraft, Cracker Barrel, Tillamook.
    Chevy AFT change--Automatic transmission fluid change for a 1-
year-old Chevrolet Blazer, similar to current year model. Include 
parts and labor for the following: Drain and replace transmission 
fluid and test vehicle. Include filter and pan gasket replacement.
    Chevy blazer--Chevrolet Blazer, current year model, T-Series, 2-
door, 4-wheel drive, 4.3 liter, 6 cylinder. Use: Chevrolet Blazer 
T10.
    Chevy coolant serv--Flush and fill engine coolant in a 1-year-
old Chevrolet Blazer, similar to current year model. Include parts 
and labor for the following: Remove old

[[Page 44135]]

coolant, flush contaminants, and replace with new coolant.
    Chevy CVJ boots--Replacement cost of the inner and outer CVJ 
(constant velocity joint) boots on both front wheels for a 3-year 
old Chevrolet Blazer, T-Series, 2-Door, 4-wheel drive, 4.3 liter, 6 
cylinder.
    Chevy license/reg--Title fee, lien fee, passenger vehicle 
registration fees, plate fees, administration/clerical/other fees, 
and any local added fees for a current year Chevrolet Blazer, T-
Series, 2-door, 4-wheel drive, 4.3 liter, 6 cylinder.
    Chevy min insurance--DC AND VI ONLY. Assume that vehicles are 
used in commuting 15 miles one-way per day, 15,000 miles per year, 
and that the driver is a 35-year-old married male with no accidents 
or violations in the last 5 years. Include related fees and taxes. 
Include applicable safety feature discounts. COVERAGES (BI minimum 
avail., PD minimum, Med minimum or PIP minimum, and UM minimum. Com 
250 deductible. Col 500 ded. If these deductibles are not avail., 
price the policy with the closest coverage.
    Chevy misc taxes--Annual miscellaneous tax (e.g., personal 
property tax, use tax, etc) for a current year model Chevrolet 
Blazer, T-Series, 2-door, 4-wheel drive, 4.3 liter, 6 cylinder. 
Report how rate is determined and formula for new vehicle purchase 
and for subsequent years (2 to 5). Explain billing.
    Chevy muffler--Complete muffler system for a 4-year-old 
Chevrolet Blazer, T-Series, 2-door, 4-wheel drive, 4.3 liter, 6 
cylinder. Include parts and labor for the following: Install all 
parts after the catalytic converter. These parts include mid pipes, 
clamps, muffler, and tail pipes.
    Chevy oil change--Oil change for a 1-year-old Chevrolet Blazer, 
T-Series, 2-door, 4-wheel drive, 4.3 liter, 6 cylinder. Include 
parts and labor for the following: Drain old oil, replace oil filter 
and refill with appropriate number of qts of 10W30 SG grade oil. If 
SG grade not available, price SF grade oil.
    Chevy reg insurance--Assume that vehicles are used in commuting 
15 miles one-way per day, 15,000 miles per year 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 deductible.). If these deductibles are not available, price 
the policy with the closest coverage.
    Chevy regular tires--Black side wall tires size P205/75R15 for 
Chevrolet Blazer. Use: Goodyear Wrangler AT, Michelin XCHF, BF 
Goodrich Radial TA.
    Chevy snow tire--Studded snow tire size P205/75R15 for the Chevy 
Blazer. Use: Goodyear Ultra Grip, Michelin XM+S ALPIN, BF Goodrich 
Trailmaker Plus.
    Chevy tire change--Remove street tire and mount snow tire. Model 
adjusts for 4 tires.
    Chevy tune-up--Basic tune-up for a 1-year-old Chevrolet Blazer. 
Include replacing spark plugs (do not price platinum), check 
distributor cap, and rotor. Check and adjust ignition timing, adjust 
idle, inspect air cleaner. Do not include cost to replace PVC valve, 
fuel filter or air filter. Sales tax should not be included in 
price.
    Chevy 4-yr value--Retail value of a 4-year-old Chevrolet Blazer.
    Chevy windshield rpl--Windshield replacement on 1-year-old Chevy 
Blazer. Ask outlet about the frequency of windshield replacement and 
record in comments. Price at specialty shop or, if not available, at 
car dealer.
    Chicken, whole--Price per pound of USDA grade fresh whole fryer 
chicken. Price store brand if available, otherwise record brand. Do 
not price family-pack, value-pack, super-saver pack or equivalent; 
frozen chicken or roasters. Use: Whole fryer.
    China--Corelle Abundance pattern tableware set consisting 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. Use: 
Corelle Impressions, New Corelle.
    Cigarettes king size--One soft pack of filter kings. Do not 
price generic brand. Use: Winston, Marlboro, Salem.
    Coffee, ground--13 oz can ground coffee. Do not price 
decaffeinated or special roasts. Use: Folger's, Maxwell House, Hills 
Bros.
    Coin laundry--One regular-size load of laundry using top loading 
commercial washing machine. Do not include cost of drying.
    Color television--20" table model color TV with a remote, auto 
channel search, closed captions, sleep timer, on-screen channel/time 
and menus, channel flashback, and 181 channel tuning. Use: Sony 
KV20S40, JVC AV20820, Panasonic CT20G23, or brand equivalents.
    Compact disc--Current best-selling CD. Do not price double CDs. 
Use: Armageddon Soundtrack, Backstreet Boys, Come On Over.
    Compact disc player--5-disc CD player with rotary changer 
system, 10 key access, 32 track programming, 8 times over sampling, 
and a remote. Use: Sony CDP-CE315, JVC XLF254BK, Technics SL-PD888.
    Contact lenses--1-year supply of soft 2-week replacement contact 
lenses. Use: Medalists, Sequence, AcuVue.
    Cookies--18 or 20 oz package. Use: Nabisco Oreo Cookies, Keebler 
Chips Deluxe, Nabisco Chips Ahoy.
    Cooking oil--48 fl oz bottle. Use: Crisco, Wesson.
    Day-care--One month of day-care for a 3-year-old child (5 days a 
week, about 10 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. Price at day care center 
in a Federal building (but not on a military base) if available.
    Dentist clean/check--Rate 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.
    Dining table--Catalog Item. Pedestal oak veneer tabletop with 4 
standard spindled hardwood chairs. Include shipping and handling. 
Use: JC Penney.
    Dinner--One dinner consisting of a New York strip steak, small 
side dish (e.g., rice or potato), side salad or salad bar, and 
coffee. Meal should not include dessert. Use: Denny's type, TGIF 
type, Chart House type.
    Disposable diaper--34 count package of Stage 2 disposable 
diapers (child 12-18 lbs). Do not price jumbo, overnight, or larger 
size diapers. Use: Pampers, Huggies.
    Doctor office visit--Typical fee for an office visit with 
patient's regular physician 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, not specialist.
    Drill, cord-type--\3/8\" reversible, variable speed, 3 amp (1200 
rpm. max ) electric drill with 6' cord. Price a typical homeowner's 
drill. Do not price Dewalt, Milwaukee, or similar brands used by 
professionals. Use: Black & Decker 7152, Makita 6406, Skil 6340.
    Drill, cordless--\3/8\" reversible, variable speed, 7 to 9 volt, 
cordless electric drill with 3-hour recharge. Price a typical 
homeowner's drill. Do not price Makita, Dewalt, Milwaukee, or 
similar brands used by professionals. Use: Skil 2380 and 2375.
    Dry clean man's suit--2-piece man's suit of typical fabric. Do 
not price for silk, suede or other unusual materials.
    Education, K-12 priv--Tuition rate, books and uniforms (if 
required) for K-12 education at a private school.
    Eggs, large--One dozen. Do not price brown eggs. Use: Local 
brand, Regional brand, non-local brand.
    Electric bill--Average monthly cost including any additional 
charges. Record the average monthly consumption in KWH, cost for 
first xxx KWH, and cost over xxx KWH. If monthly amounts vary based 
on time of year, obtain data on annual basis. In Alaska (except 
Juneau) assume oil or gas for heating. In all other areas, assume 
all electric homes.
    Electrical outlet--2-plug 15-amp (duplex) grounded electrical 
outlet. Note: This is a standard wall outlet or plug commonly found 
in homes. Price single blister pack or cardboard mounted package, 
and a loose electric outlet or 20 amp outlet. Use: GE, Levitron, 
Eagle.
    Electrical work--Labor cost per hour to add circuit breaker for 
dishwasher. Description: Cut \3/4\" hole in wooden floor for cable 
and connect dishwasher directly to power box (power box is easy to 
reach). Obtain estimated time for job and travel. Exclude cost of 
materials. Ask whether outlet is a licensed contractor.
    Fast food--Hamburger meal consisting of Big Mac, medium french 
fries, and medium soft drink. Pizza meal consisting of personal size 
cheese pizza (or one slice of cheese pizza) and small soft drink. Do 
not include salad. Report percentages added for tax. Use: McDonald's 
type and Pizza Hut type.
    Film developing--Cost to process and print 35 millimeter, 24 
exposure, 100 ASA color. Regular size (3 x 5) single prints only. 
Price at local lab with 2-3 day service. Do not price Kodak or mail 
order service.
    Fire extinguisher--Fire extinguisher with a UL rating of 10 BC, 
2.5 pound size. Do not price an ABC type extinguisher. Use: Kidde, 
First Alert.
    Fish filet, frozen--Price per pound of frozen ocean whitefish 
filet. Do not price breaded filets. Do not price family-pack, value-
pack, super-saver pack or equivalent. Use: Cod, Haddock, Snapper.

[[Page 44136]]

    Fish, fresh--Price per pound of salmon steak. Do not price 
previously frozen (PF) or specially prepared skinless or boneless 
varieties. Do not price family-pack, value-pack, super-save pack, or 
equivalent. Use: Salmon steak.
    Ford ATF change--Automatic transmission fluid change in a 1-
year-old Ford. Include parts and labor for the following: Drain and 
replace transmission fluid and test vehicle. Include filter and pan 
gasket replacement.
    Ford coolant serv--Flush and fill engine coolant in a 1-year-old 
Ford Taurus similar to current year model. Include parts and labor 
for the following: Remove old coolant, flush contaminants, and 
replace with new coolant.
    Ford CVJ boots--Replacement cost of the inner and outer CVJ 
Boots (constant velocity joint) on both front wheels for a 3-year-
old Ford Taurus GL 4-door sedan, 3.0 liter, 6 cylinder.
    Ford license/reg--Title fee, lien fee, passenger vehicle 
registration fees, plate fees, administration/clerical/other fees 
and any local added fees for a current year Ford Taurus GL 4-door 
sedan, 3.0 liter, 6 cylinder.
    Ford min insurance--DC AND VI ONLY. Assume that vehicles are 
used in commuting 15 miles one-way per day, 15,000 miles per year 
and that the driver is a 35-year-old married male with no accidents 
or violations in the last 5 years. Include related fees and taxes. 
Include applicable safety feature discounts. COVERAGES (BI minimum 
avail., PD minimum, Med minimum or PIP minimum, and UM minimum. Com 
250 deductible. Col 500 deductible.) If these deductibles are not 
available, price the policy with the closest coverage.
    Ford misc taxes--Annual miscellaneous tax (e.g., personal 
property tax, use tax, etc) for a current year model Ford Taurus. 
Report how rate is determined, give formula for new vehicle purchase 
and for subsequent years (2 to 5). Explain billing.
    Ford muffler--Complete muffler system for a 4-year-old Ford 
Taurus. Include parts and labor for the following: Install all parts 
after the catalytic converter. These parts include mid pipes, 
clamps, muffler, and tail pipes.
    Ford oil change--Oil change for a 1-year-old Ford Taurus. 
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.
    Ford reg insurance--Assume that vehicles are used in commuting 
15 miles one-way per day, 15,000 miles per year and that the driver 
is a 35-year-old married male with no accidents or violations in the 
last 5 years. Include related 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.
    Ford regular tires--Black side wall tire size P205/65R15 for the 
Ford Taurus GL. Use: Goodyear Invicta GL, Michelin XW4, BF Goodrich 
Touring TA.
    Ford snow tire--Studded snow tire size P205/65R15 for the Ford 
Taurus GL. Use: Goodyear Ultra Grip, Michelin XM+S ALPIN, BF 
Goodrich Trailmaker Plus.
    Ford Taurus--Ford Taurus, current year model, GL 4-door sedan, 
3.0 liter, 6 cylinder.
    Ford Taurus--Ford Taurus, current year model, GL 4-door sedan, 
3.0 liter, 6 cylinder.
    Ford tire change--Remove street tire and mount snow tire. Model 
adjusts for 4 tires.
    Ford tune-up--Basic tune-up for a 1-year-old Ford Taurus GL. 
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.
    Ford 4-yr value--Retail value of a 4-year-old Ford Taurus.
    Ford windshield rpl--Windshield replacement on 1-year-old Ford 
Taurus GL. Ask outlet about the frequency of windshield replacement 
and record in comments. Price at specialty shop or, if not 
available, at car dealer.
    Frankfurter--16 oz (1 lb) package, all beef, USDA graded. Do not 
price chicken, turkey, extra lean, or fat free frankfurters. Use: 
Oscar Mayer, Hormel, Ball Park.
    Frozen dinner--One 1.5 oz frozen turkey dinner including whipped 
potatoes, peas, and fruit compote. Do not price Hungry Man or 
equivalent extra-portion sizes. Use: Swanson.
    Frozen orange juice--12 fl oz orange juice concentrate (makes 48 
fl oz). Do not price calcium fortified, pulp free, country style 
etc. Use: Minute Maid, Sunkist.
    Frozen waffles--8 to 10 waffles approximately 11 oz package. 
Use: Kellogg's Eggo, Aunt Jemina, Hungry Jack.
    Fruit drink--64 fl oz glass or plastic bottle. Do not price 
powdered mixes or individual serving sized drinks. Use: Hawaiian 
Punch, HI-C regular.
    Fruit juice--48 oz glass or plastic bottle of cranberry juice. 
Do not price frozen or boxed drink or drink in significantly 
different size bottle. Use: Ocean Spray Cranberry Cocktail, Ocean 
Spray Cranapple Cocktail.
    Funeral services--Cost of 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.
    Gas/oil bill--ALASKA ONLY (except Juneau). Average monthly cost 
including all charges. Record in comments average monthly 
consumption in cu. ft./gallons, customer service charge, cost for 
first cu. ft./gallons, and cost for over first xxx cu. ft/gallons.
    Gasoline full serv--Price per gallon for full-service unleaded 
regular gasoline. Record in comments prevalence of self-serve vs. 
full-serve pumps.
    Gasoline self serv--Price per gallon for self-service unleaded 
regular gasoline.
    Girl's dress--Cotton blend short or long-sleeve dress 
appropriate for school for ages 8 to 10 (size 7-14). Minimal 
ornamentation. Use: Amy Too, Disorderly Kids, Swat.
    Girl's jeans--Basic plain jeans for girls ages 8 to 10 (size 7-
14). Use: Lee.
    Girl's knit top--Knit short or long sleeve pullover of cotton/
poly blend for girls ages 8 to 10 (size 7-14). Use: Basic Edition, 
Route 66, One Story Up.
    Golf--18 holes of golf on a weekend. Do not price par 3 courses. 
Do not include golf-cart rental, early-bird specials, or off-hours 
pricing. If only 9-hole rate is available, note and report twice. If 
only daily rate is available (unlimited number of holes), report the 
Saturday or Sunday rate. Ask if course is publicly or privately-
owned and note in the comment section.
    Green beans, canned--14.5 oz can of plain cut green beans. Do 
not price French style, Italian style, canned vegetable mixtures or 
similar variations. Use: Del Monte, Green Giant.
    Ground beef--Price per pound of fresh USDA graded (select not 
choice) with no more than 30% fat content. Do not price lean, ground 
round, frozen beef, etc. Do not price family-pack, value-pack, 
super-saver pack, or equivalent. Use: Regular ground beef.
    Ham, canned--3 lb tin of canned ham. Do not price Hormel's 
supreme cut ham or equivalent. Use: Hormel, Dubuque, Bar-S.
    Hamburger buns--8-count package of sliced enriched white 
hamburger buns. Do not price store brand, whole wheat or sesame seed 
buns. Use: Wonder, Sunbeam, Regional brand.
    Hammer--Curved claw hammer with a 16 oz head, wood handle, high 
carbon steel head, black finish. Overall length 13 1/4''. This is a 
typical homeowner's hammer. Do not price hammers with non-wooden 
handles or those typically used by carpenters or cabinet makers. 
Use: Stanley 51616, Sears Craftsman 38312.
    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 such. 
Minimum services must include free weights, cardiovascular 
equipment, and aerobic classes. Note if pool, tennis, racquet ball, 
or other significant services are also offered.
    Home sale low--Obtain comparable sales between 600 and 1200 
square feet. Collect selling price, sale date, and square footage 
for each comparable. Collect age and room count when available. 
Obtain data for the most recently available 12 month time frame. 4 
rooms, 2 BR, 1 bath; condo or detached house.
    Home sale mid--Obtain comparable sales between 1000 and 1600 
square feet. Collect selling price, sale date, and square footage 
for each comparable. Collect age and room count when available. 
Obtain data for the most recently available 12 month time frame. 5 
rooms, 3 BR, 1 bath; detached house.
    Home sale upr--Obtain comparable sales between 1400 and 2300 
square feet. Collect selling price, sale date, and square footage 
for each comparable. Collect age and room count when available. 
Obtain data for the most recently available 12 month time frame. 7 
rooms, 3 BR, 2 baths; detached house.
    Homeowner insur low--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 as required by mortgage companies in 
the area for contents with

[[Page 44137]]

contents at replacement value. as required by mortgage companies in 
the area.
    Homeowner insur mid--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 as required by mortgage companies in 
the area for contents with contents at replacement value.
    Homeowner insur upr--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 as required by mortgage companies in 
the area for contents with contents at replacement value.
    Honda ATF change--Automatic transmission fluid change in a 1-
year-old Honda Civic DX. Include parts and labor for the following: 
Drain and replace transmission fluid and test vehicle.
    Honda civic--Honda Civic current year model, DX 4-door sedan, 
1.5 liter, 4 cylinder.
    Honda coolant serv--Flush and fill engine coolant in a 1-year-
old Honda Civic DX. Include parts and labor for the following: 
remove old coolant, flush contaminants, and replace with new 
coolant.
    Honda CVJ boots--Replacement cost of the inner and outer CVJ 
(constant velocity joint) boots on both front wheels for a 3-year-
old Honda Civic DX 4-door sedan, 1.5 liter, 4 cylinder.
    Honda license/reg--Title fee, lien fee, passenger vehicle 
registration fees, plate fees, administration/clerical/other fees 
and local added fees for a current year Honda Civic DX 4-door sedan, 
1.5 liter, 4 cylinder.
    Honda min insurance--DC AND VI ONLY. Assume that vehicles are 
used in commuting 15 miles one-way per day, 15,000 miles per year 
and that the driver is a 35-year-old married male with no accidents 
or violations in the last 5 years. Include related fees and taxes. 
Include applicable safety feature discounts. COVERAGES (BI minimum 
avail., PD minimum, Med minimum or PIP minimum, and UM minimum. Com 
250 deductible Col 500 deductible.) If these deductibles are not 
available, price the policy with the closest coverage.
    Honda misc taxes--Annual miscellaneous tax (e.g., personal 
property tax, use tax, etc.) for a current year model Honda Civic DX 
4-door sedan, 1.5 liter, 4 cylinder. Report how rate is determined 
and give formula for new vehicle purchase and for subsequent years 
(2 to 5). Explain billing.
    Honda muffler--Complete muffler system for a 4-year-old Honda 
Civic DX . Include parts and labor for the following: install all 
parts after the catalytic converter. These parts include mid pipes, 
clamps, muffler, and tail pipes.
    Honda oil change--Oil change for a 1-year-old Honda Civic DX. 
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.
    Honda reg insurance--Assume that vehicles are used in commuting 
15 miles one-way per day, 15,000 miles per year and that the driver 
is a 35-year-old married male with no accidents or violations in the 
last 5 years. Include related 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 
deductible.) If these deductibles are not available, price the 
policy with the closest coverage.
    Honda regular tires--Black side wall tire size P175/70R13 for 
the Honda Civic. Use: Goodyear Invicta GL, Michelin LX1, BF Goodrich 
Touring TA.
    Honda snow tire--Studded snow tire size P175/70R13 for Honda 
Civic DX. Use: Goodyear Ultra Grip, Michelin XM+S ALPIN, BF Goodrich 
Trailmaker Plus.
    Honda tire change--Remove street tire and mount snow tire. Model 
adjusts for 4 tires.
    Honda tune-up--Basic tune-up for a 1-year-old Honda Civic DX. 
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.
    Honda 4-yr value--Retail value of a 4-year old Honda Civic DX.
    Honda windshield rpl--Windshield replacement on 1-year-old Honda 
Civic DX. Ask outlet about the frequency of windshield replacement 
and record in comments. Price at specialty shop or, if not 
available, at car dealer.
    Hospital attendant--Nightly charge for an attendant (e.g. LPN). 
Price only if typical hospital service is not equivalent to that 
found in DC area.
    Hospital room--Nightly charge for a semi-private room. Include 
food and routine care. Does not include cost of operating room, 
surgery, medicine, lab fees, etc. Do not price speciality rooms, 
e.g., those in cardiac care units.
    Housekeeping service--Job rate for twice per month cleaning. 
HOUSE: approximately 2,000 sq. ft., family of four (2 adults, 2 
children), no pets. Includes 1.5 bathrooms--clean floor, counter, 
bathtub, toilet. Kitchen--clean floor, counter, cabinets, sink. 
Living and dining room--dust furniture and vacuum. Two bedroom--dust 
furniture and vacuum. Note any other routine services and estimated 
number of hours to complete service. Exclude initial house cleaning 
service. Ask if price varies if ranch-style or two-story type house 
(latter would include vacuuming stairs).
    Ice cream--\1/2\ gallon (2 qts) of vanilla ice cream. Do not 
price ice milk or frozen yogurt. Use: Store brand.
    Ice cream cone--Regular (one scoop) vanilla ice cream on cone. 
Do not price frozen yogurt or soft-serve ice cream. Use: Baskin-
Robbins type, Lapperts type.
    Infant's sleeper--One-piece sleeping garment with legs, covering 
the body including the feet. Use: Gerber, Playskool, Sesame Street.
    Insurance, air ambul--Annual premium for air ambulance insurance 
for family of four.
    Interior painting--Job rate to repaint living room (one coat 
over same color)--12' x 14' with 8' ceiling, 2 standard-sized sash 
windows, 1 standard-size door. Walls are drywall in good repair with 
simple wood baseboards and moulding (no crown moulding). Existing 
paint is flat-white latex, smooth finish, about 3 years old. Trim 
paint is gloss-white latex enamel, also 3 years old. No surface prep 
required. Include time estimate for job and travel costs. If only 
hourly rate available, obtain time estimate. Do not include 
materials.
    Jello gelatin--3 oz box gelatin dessert. Use: Jello, Royal.
    Jewelry--One pair 6mm 14K gold ball earrings for pierced ears.
    Ketchup--28 oz plastic squeeze bottle. Use: Heinz.
    Kitchen faucet--Single control chrome-plated faucet with spray. 
Solid brass and stainless steel with copper waterways, triple chrome 
plating, and washerless design. Sprayer sits in a separate hole in 
the sink. Do not price decorator models. Guaranteed for 2 years or 
longer. Use: Peerless 8500-ECP, Delta 400, Moen 87511.
    Kitchen range--30" wide electric range. Features: Upswept cook-
top, removable coil elements, electronic clock with timer, oven 
light, delay-start cook control, storage drawer, glass front with 
see-thru window, self-cleaning oven with two oven racks and a 
porcelain enamel broiler pan. Use: Maytag MER5530, General Electric 
JBP26BYWH.
    Latex interior paint--One gallon flat-white interior latex 
paint. Price a national brand with one coat coverage. Use: Dutch 
Boy, Glidden, Benjamin Moore, Pittsburgh.
    Laundry soap--100 fl oz of liquid household laundry detergent. 
Do not price detergent with bleach or whiteners. Use: Tide, Cheer, 
Wisk.
    Lawn care service--Cut and trim a \1/4\ acre lot on a weekly 
basis. Do not include any other yard services (e.g. fertilizing, 
raking, or watering).
    Lawn trimmer--Gas powered 31 CC two-cycle engine, dual feed 
line, 16 to 17'' wide cut. Bump or semi-automatic line feed.
    LD call Chicago--Cost of a 10 minute call using AT&T, received 
in Chicago (use Chicago time) on a weekday at 8:00 p.m.; direct dial 
from the location being surveyed. Include any Federal, State, local, 
or excise tax that is applicable. Use: AT&T Regional Service.
    Ld call LA--Cost of a 10 minute call using AT&T, received in Los 
Angeles (use LA time) on a weekday in LA at 8:00 p.m.; direct dial 
from the location being surveyed. Include any Federal, State, local, 
or excise tax that is applicable. Use: AT&T Regional Service.
    Ld call NYC--Cost of a 10 minute call using AT&T, received in 
New York (use NY time) on a weekday at 8:00 p.m.; direct dial from 
the location being surveyed. Include any Federal, State, local, or 
excise tax that is applicable. Use: AT&T Regional Service.
    Legal services--Hourly rate for preparing a simple will or 
trust. Obtain lawyer fee, not paralegal.
    Lettuce, fresh--Price per pound of iceberg lettuce. If sold by 
the head, report the price and weight of an average head. Find 
equivalent-size heads at each store. Use: Available Brand.
    Lipstick--One tube of lipstick. Use: Revlon Super Lustrous, 
Revlon Moondrops.

[[Page 44138]]

    Living room chair--Catalog Item. Flexsteel rocker/recliner. 
Include shipping and handling. Use: JC Penney.
    Lunch--One lunch consisting of a cheeseburger platter with fries 
and small soft drink. Use: Denny's type, TGIF type, Chart House 
type.
    Lunch meat--8 oz pkg. Do not price all beef variety. Use: Oscar 
Mayer Bologna, Oscar Mayer Cotto Salami.
    Magazine--Store price (not publisher's price unless that is the 
store price) for a single copy. Use: Time, Newsweek, US News & World 
Report.
    Man's boots--ALASKA AND DC ONLY. 8" shaft, waterproof leather 
upper, padded collar (top of shaft), Cambrelle lining, insulated, 
rubber lug-type sole. Do not price steel toe. Use: Timberland, 
Sorel, Wolverine.
    Man's dress shirt--White or solid color, long sleeve, button 
cuff, plain collar dress shirt, approximately 35% cotton, 65% 
polyester. Use: Arrow, Van Heusen, Moose Creek.
    Man's haircut--Typical haircut. Do not include wash.
    Man's jacket--Catalog Item. TROPICAL AND DC ONLY. Summer weight 
denim jacket. Relaxed fit and machine washable. Include shipping and 
handling. Use: JC Penney, Lands' End, L.L. Bean.
    Man's jeans--Regular loose fit, non-designer jeans. Do not price 
bleached, stone-washed or designer jeans. Use: Wrangler, Rustlers.
    Man's Parka--Catalog Item. ALASKA AND DC ONLY. Water resistant 
nylon-outer shell, insulated, nylon lining, removable hood, multiple 
pockets, drawstring waist. Machine washable. Include shipping and 
handling. Use: JC Penney, Lands' End, L.L. Bean.
    Man's shoes--100% leather wing tips or plain toe. Remaining 
parts are man-made materials. Lightweight with rubber/EVA sole. Use: 
Rockport, Bostonian.
    Man's suit--Catalog Item. Double-breasted worsted wool, ventless 
back. Include shipping and handling. Use: JC Penney, Bachrach.
    Man's undershirt--White 100% cotton undershirts with short 
sleeves, set of three. If not in set of three, report the number per 
package. Use: Fruit of the Loom, Hanes, Northwest Territory.
    Margarine--1 lb (4 sticks) regular margarine. Do not price 
reduced fat variety. Use: Parkay, Fleishmans.
    Milk, 2%--One Gallon (128 fl oz). Use: Store brand.
    Mortgage interest--Current interest rate for a 30-year loan on 
the average house assuming 80 percent financing.
    Motor scooter--Price for a 50 CC scooter. One seater with 
electric start, oil injection 2-stroke engine. Use: Yamaha JOG CY 
50, Honda Elite SA 50.
    Movie theater--Typical adult price for regular length, current-
release (currently advertised on television) evening film. Report 
weekend evening price if different from weekday.
    Moving--Hourly rate for a within-city move, two men, enclosed 
van. Include any van rental fees. Do not include any extra insurance 
options or specialty packaging options. If more than two men, note 
number of workers.
    Non-aspirin pain rel--60 tablets of extra-strength Tylenol. Do 
not price caplets or gelcaps.
    Non-broker rntl low--Monthly rent for 3 room, 1 BR, 1 bath 
apartments (average size roughly 600 sq ft.). If possible, obtain 
square footage, age, room count whether utilities are included and 
special amenities.
    Non-broker rntl mid--Monthly rent for 4 room, 2 BR , 1 bath 
apartments (average size roughly 900 sq ft.). If possible, obtain 
square footage, age, room count whether utilities are included and 
special amenities.
    Non-broker rntl upr--Obtain monthly rent for 4 room, 2 BR, 2 
bath townhouse or detached house (average size roughly 1100 sq ft.). 
If possible, obtain square footage, age, room count whether 
utilities are included and special amenities.
    Oranges, fresh--Price per pound of loose Valencia oranges. If 
only bagged oranges are available, also report the weight of the 
bag. Use: California Valencia, Florida Valencia.
    Parcel post--Cost of mailing a 5 pound package to each of the 
following cities: Chicago, Los Angeles, New York Use: United States 
Postal.
    Peaches, canned--16 oz can sliced yellow cling peaches. Do not 
price lite. Use: Libby, Del Monte.
    Peas, frozen--16 oz package. Do not price peas with sauce or 
Green Giant Select. Use: Green Giant, Birdseye, Hanover.
    Pen--10-count package round stick medium pen. Use: Bic Round 
Stic, Paper Mate.
    Pest control--Basic pest control maintenance (one visit to 
control crawling insects, not wood eating), based on the inside of a 
1,200 sq. ft. single story home. Price follow-up maintenance only, 
not the initial application.
    Pet food--5.5 oz can of cat food. Use: Purina, 9 Lives, Whiskas.
    Piano lessons--Private lesson for a beginner one-half hour in 
length. Price through a music studio if possible.
    Plant food--24 oz container of granulated indoor plant food. 
Use: Miracle Grow.
    Pork chops, bone in--Price per pound of an average size USDA 
graded (select not choice ) package. Do not price family-pack, 
value-pack, super-saver pack or equivalent. Do not price frozen 
chops. Use: Center cut rib chop, Loin chop with bone.
    Postage stamp--First Class postage.
    Potatoes--1 lb of potatoes. Use: Russet baking and No 2. White.
    Real estate tax low--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 to what base year the tax rate should be applied. 
Report when rates are certified and when bills are mailed.
    Real estate tax mid--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 to what base year the tax rate should be applied. 
Report when rates are certified and when bills are mailed.
    Real estate tax upr--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 to what base year the tax rate should be applied. 
Report when rates are certified and when bills are mailed.
    Red roses, fresh cut--One dozen long stemmed, fresh cut red 
roses. Do not price boxed or arranged.
    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 one or 
more covered compartments and adjustable bins. Freezer has 
adjustable wire shelves, door bins and ice trays. Do not price 
models with ice makers, chilled water dispensers, or other extra 
features. Use: Maytag MTB2154A, General Electric TBX2lIABAA.
    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.
    Renter insur low--HO-4 type coverage; assume value of contents 
at $25,000.
    Renter insur mid--HO-4 type coverage; assume value of contents 
at $30,000.
    Renter insur upr--HO-4 type coverage; assume value of contents 
at $35,000.
    Round roast boneless--Price per pound of an average size USDA 
graded (select not choice) package. Do not price family-pack, value-
pack, super-saver pack or equivalent. Do not price frozen roast. 
Use: Boneless rump, Sirloin tip rolled, Boneless top round.
    Round steak boneless--Price per pound of an average size USDA 
graded (select not choice) package. Do not price family-pack, value-
pack, super-saver pack or equivalent. Do not price frozen steak. 
Use: Boneless beef round, Boneless top round, Boneless bottom rnd.
    Round trip Chicago--Lowest round trip ticket to Chicago, IL, 
with 3-week advance reservation departing and returning midweek. 
Disregard restrictions, super-saver fares and special promotions. 
(In reference area, price all flights from National Airport.)
    Round trip LA--Lowest round trip ticket to Los Angeles, CA, with 
3-week advance reservation, departing and returning midweek. 
Disregard restrictions, super-saver fares and special promotions. 
(In reference area, price all flights from National Airport.)
    Round trip Miami--Lowest round trip ticket to Miami, FL, with 3-
week advance reservation departing and returning midweek. Disregard 
restrictions, super-saver fares and special promotions. (In 
reference area, price all flights from National Airport.)
    Round trip NYC--Lowest round trip ticket to New York, NY, with 
3-week advance reservation departing and returning midweek. 
Disregard restrictions, super-saver fares and special promotions. 
(In reference area, price all fares from National Airport.)
    Round trip Omaha--Lowest round trip ticket to Omaha, NE, with 3-
week advance reservation departing and returning midweek. Disregard 
restrictions, super-saver fares and special promotions. (In 
reference area, price all flights from National Airport.)
    Round trip Seattle--Lowest round trip ticket to Seattle, WA, 
with 3-week advance

[[Page 44139]]

reservation departing and returning midweek. Disregard restrictions, 
super-saver fares and special promotions. (In reference area, price 
all flights from National Airport.)
    Round trip St. Louis--Lowest round trip ticket to St. Louis, MO, 
with 3-week advance reservation departing and returning midweek. 
Disregard restrictions, super-saver fares and special promotions. 
(In reference area, price all flights from National Airport.)
    Salt--26 oz box of iodized salt. Do not price sea-salt, kosher-
style salt etc. Use: Morton, Ivory, Regional Brand.
    Shampoo--15 ounce bottle of shampoo for normal hair. Use: Suave, 
VO5, White Rain.
    Snack cake--Package of two cellophane wrapped, cream-filled 
sponge cake deserts. Do not price fresh baked desserts, boxed, or 
family packs. Use: Hostess Twinkees, Krispy Kreme, Hostess Cupcakes.
    Snack food--6 oz bag or box of regular potato chips. Use: 
Ruffles, Lays.
    Soft drink--2 liter, plastic bottle. Use: Coca-Cola, Pepsi.
    Spaghetti, dry--16 oz box or bag. Do not price store brand. Use: 
Creamette, American Beauty Mission.
    Sugar, granulated--5 lb bag of granulated cane or beet sugar. Do 
not price superfine or generic. Use: Non-store brand, Store brand.
    Telephone service--Monthly cost for unmeasured touchtone 
service. Include tax. Do not include options such as call waiting, 
call forwarding or fees for equipment rental.
    Telephone, cellular--Cost of basic monthly cellular phone 
service plus 10 prime-time 2-minute calls per month. Do not price 
special offers.
    Tennis balls--One can, 3 heavy-duty felt, yellow, tennis balls. 
Do not price special gas-filled or premium tennis balls. Use: 
Wilson, Penn.
    Tetracycline--Price of 40 capsules of tetracycline, 250 
milligram strength. Record whether generic or non-generic. If price 
differs record both prices in comment area.
    Toilet tissue--Regular 4-roll pack. Do not price family-pack, 
double roll, value-pack, super-saver size package, or equivalent. 
Use: Cottonelle, Northern, Charmin.
    Tomatoes, fresh--Price per pound of medium-size tomatoes. Do not 
price organic, hydro, plum, or extra fancy tomatoes. Note quality in 
comments. Use: Available Variety.
    Tuna, canned--Chunk light, packed in water (6.0 oz to 6.13 oz). 
Do not price fancy style. Use: Star Kist, Chicken of the Sea, Bumble 
Bee.
    Two-slice toaster--Two-slice toaster, chrome body, wide slot 
with pastry defrost setting. Use: Proctor-Silex 22425, Proctor Silex 
22430.
    Unclog drain--Hourly rate to unclog kitchen sink drain by 
mechanical means (small snake or auger, etc.). Assume clog is in the 
plumbing inside the house, not in the yard. Exclude extra charges 
such as excess travel, overtime, weekend rates or emergencies. If 
JOB RATE get low-end quote because this is a simple clog.
    Vacuum--Upright vacuum cleaner with approximately 12 amps, 120 
volts, minimum 5 above-the-floor attachments, height adjustment, 
regular bag and 20 to 25 foot cord. Use: Eureka 4470 and 4471, Dirt 
Devil Swivel Glide 86400 and 86410.
    Veterinary services--Routine annual exam for a small dog 
(approx. 25 to 30 lbs.). No booster shots, medication, or other 
extras such as nail clipping, ear cleaning, etc.
    Video recorder--4-head Hi-Fi Stereo. FEATURES: VCR Plus 
programming, on-screen menu system, multi-lingual, universal remote. 
Use: Sony SLV678 and SLV778.
    Video rental--One video tape, 1-day or minimum rental rate for 
Saturday night. Non-member fee. Do not price new releases, oldies or 
classics where price is different from a regular rental.
    Washing machine--FEATURES: Super capacity, 3 water temperatures, 
8 wash cycles, 3 water levels, white porcelain tub (no stainless 
steel), self-clean lint filter, fabric softener & bleach dispenser, 
2 speed combinations. Use: Maytag LAT9306, General Electric 
WJX(S)R2080XXX, Whirlpool LSR8233EQ.
    Water bill--Average monthly consumption in gallons and dollars 
(cost for first xxx gallons; cost for over xxx gallons), sewage and 
related charges, and customer service charge.
    Window shade--Catalog Item. Light-filtering unfringed 37.5" 
width. Include shipping and handling. Use: JC Penney.
    Wine at home--1.5 liter of Chablis blanc. Use: Gallo, Inglenook.
    Wine away--One glass of house white wine. Use: Same restaurant 
where dinner price is obtained.
    Woman's accessory--Clutch/checkbook style wallet. Split-grain, 
cowhide leather. Do not price eel skin, snake skin or other 
varieties. Use: Princess Gardner, Mundi, Buxton.
    Woman's blouse--100 % polyester, white, long sleeve, button 
front blouse with minimum trim. Use: Laura Scott, Christy Jill, 
Impressions.
    Woman's boots--ALASKA AND DC ONLY. Calf height boot, pile or 
fleece lining, urethane upper, broad-based 1" heel, non-skid 
traction sole, prefer zipper closure if available. Use: Sorel, 
Naturalizer.
    Woman's coat--Catalog Item. ALASKA AND DC ONLY. 100 % wool, 
double-breasted coat. Include shipping and handling. Use: JC Penney, 
Chadwicks.
    Woman's cut & style--Wash, cut, and styled blow dry. Exclude 
curling iron if extra. Price hair salons in major department stores 
and malls.
    Woman's dress--Catalog Item. Sheath style dress appropriate for 
office attire. Dress is fully lined and 100% polyester. Include 
shipping and handing. Use: JC Penney.
    Woman's shoes--TROPICAL AND DC ONLY. Plain pump (not open toed 
or open back style), tapered 2" heel matches shoe (not stacked/
wooden type or extra thick), leather uppers, the remaining parts are 
man-made materials. Use: JC Penney, Worthington, Sears Apostrophe 
and Luv Comfort, Life Stride.
    Woman's slacks--Unlined, cotton/polyester blend with or without 
a belt appropriate for office attire. Do not price elastic waist. 
Use: Donnkenny, Alfred Dunner, Fundamental Things.
    Woman's sweater--Catalog Item. Cotton knit crewneck pullover 
sweater. Machine washable. Include shipping and handling. Use: JC 
Penney, Lands' End.

Appendix 6--Principal Pricing Changes

          For Home Sale and Rental Communities, see Appendix 8
------------------------------------------------------------------------
           Current                  Previous               Reason
------------------------------------------------------------------------
Babysitter, area minimum      Hourly rate.........  Change improves
 wage.                                               price comparison.
Bath Towel, catalog.........  Department store....  Change improves
                                                     price comparison.
Bed Sheet, catalog..........  Department store....  Change improves
                                                     price comparison.
Cigarettes, single pack       Carton, grocery       Change improves
 (convenience store).          store.                price comparison.
Dryer repair (test).........  Not surveyed........  Improves appliance
                                                     repair comparison.
Hospital attendant, nightly   Daily charge........  Change reflects more
 charge.                                             common use.
Housekeeping, job rate......  Hourly rate.........  Specification
                                                     improves price
                                                     comparison.
Man's insulated undershirt,   Department store....  More widely used
 discount store.                                     outlet type.
Man's undershirt, discount    Department store....  More widely used
 store.                                              outlet type.
Plywood.....................  Not surveyed........  Improves building
                                                     material selection.
Snack cake, 8-10 cnt,         2 pack, convenience   Change improves
 grocery store.                store.                price comparison.
Woman's dress, catalog......  Department store....  Change improves
                                                     price comparison.
Waffles: 11 oz package or     Package of 8........  Change improves
 package of 8.                                       price comparison.
Dropped.....................  Frozen fish, lawn     Insufficient data.
                               trimmer, skiing.
Not surveyed................  Car rental..........  Test.
------------------------------------------------------------------------


[[Page 44140]]

Appendix 7--Consumption Goods and Services Analysis

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights*     Subtotal    Weights\*\    Subtotal    Weights\*\    Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    1. Food At Home..........................................       119.33        27.03        32.25        24.05        28.70        21.30        25.42
    2. Food Away From Home...................................       102.93        13.43        13.82        14.18        14.60        14.87        15.31
    3. Tobacco...............................................       130.23         2.82         3.67         2.34         3.05         1.90         2.47
    4. Alcohol...............................................        97.03         2.33         2.26         2.40         2.33         2.47         2.40
    5. Furnishings and Household Operations..................       109.49        15.36        16.82        16.64        18.22        17.82        19.51
    6. Clothing..............................................       108.71        13.02        14.15        13.50        14.68        13.94        15.15
    7. Domestic Services.....................................       106.58         1.73         1.84         1.95         2.08         2.15         2.29
    8. Professional Services.................................       106.88         7.09         7.58         6.82         7.29         6.57         7.02
    9. Personal Care.........................................       103.12         3.91         4.03         3.77         3.89         3.64         3.75
    10. Recreation...........................................       121.90        13.27        16.18        14.35        17.49        15.34        18.70
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........          100  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       112.60  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       112.33  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       112.02
                                                              ==========================================================================================
Fairbanks, AK:
    1. Food At Home..........................................       119.70        27.03        32.35        24.05        28.79        21.30        25.50
    2. Food Away From Home...................................       106.53        13.43        14.31        14.18        15.11        14.87        15.84
    3. Tobacco...............................................       125.45         2.82         3.54         2.34         2.94         1.90         2.38
    4. Alcohol...............................................       106.36         2.33         2.48         2.40         2.55         2.47         2.63
    5. Furnishings and Household Operations..................       114.81        15.36        17.63        16.64        19.10        17.82        20.46
    6. Clothing..............................................       105.24        13.02        13.70        13.50        14.21        13.94        14.67
    7. Domestic Services.....................................        98.31         1.73         1.70         1.95         1.92         2.15         2.11
    8. Professional Services.................................       109.56         7.09         7.77         6.82         7.47         6.57         7.20
    9. Personal Care.........................................       107.48         3.91         4.20         3.77         4.05         3.64         3.91
    10. Recreation...........................................       130.29        13.27        17.29        14.35        18.70        15.34        19.99
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
        Total Indexes:
                                                              ------------------------------------------------------------------------------------------
            Lower............................................  ...........  ...........       114.97  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       114.84  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       114.69
                                                              ==========================================================================================
Juneau, AK:
    1. Food At Home..........................................       126.62        27.03        34.23        24.05        30.45        21.30        26.97
    2. Food Away From Home...................................       109.41        13.43        14.69        14.18        15.51        14.87        16.27
    3. Tobacco...............................................       127.39         2.82         3.59         2.34         2.98         1.90         2.42
    4. Alcohol...............................................       110.14         2.33         2.57         2.40         2.64         2.47         2.72
    5. Furnishings and Household Operations..................       119.83        15.36        18.41        16.64        19.94        17.82        21.35
     6. Clothing.............................................       100.45        13.02        13.08        13.50        13.56        13.94        14.00
    7. Domestic Services.....................................       105.65         1.73         1.83         1.95         2.06         2.15         2.27
    8. Professional Services.................................       107.46         7.09         7.62         6.82         7.33         6.57         7.06
    9. Personal Care.........................................       109.96         3.91         4.30         3.77         4.15         3.64         4.00
    10. Recreation...........................................       138.92        13.27        18.43        14.35        19.94        15.34        21.31
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
        Total Indexes:
            Lower............................................  ...........  ...........       118.75  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........        18.56  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       118.37
                                                              ==========================================================================================
Nome, AK:
    1. Food At Home..........................................       167.79        27.03        45.35        24.05        40.35        21.30        35.74
    2. Food Away From Home...................................       162.90        13.43        21.88        14.18        23.10        14.87        24.22
    3. Tobacco...............................................       136.45         2.82         3.85         2.34         3.19         1.90         2.59
    4. Alcohol...............................................       113.45         2.33         2.64         2.40         2.72         2.47         2.80
    5. Furnishings and Household Operations..................       129.08        15.36        19.83        16.64        21.48        17.82        23.00
    6. Clothing..............................................       115.22        13.02        15.00        13.50        15.55        13.94        16.06
    7. Domestic Services.....................................       110.89         1.73         1.92         1.95         2.16         2.15         2.38
    8. Professional Services.................................       105.83         7.09         7.50         6.82         7.22         6.57         6.95
    9. Personal Care.........................................       111.36         3.91         4.35         3.77         4.20         3.64         4.05
    10. Recreation...........................................       161.55        13.27        21.44        14.35        23.18        15.34        24.78
                                                              ------------------------------------------------------------------------------------------

[[Page 44141]]

 
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       143.76  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       143.15  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       142.57
                                                              ==========================================================================================
Honolulu, HI:
    1. Food At Home..........................................       138.34        27.03        37.39        24.05        33.27        21.30        29.47
    2. Food Away From Home...................................       122.35        13.43        16.43        14.18        17.35        14.87        18.19
    3. Tobacco...............................................       118.94         2.82         3.35         2.34         2.78         1.90         2.26
    4. Alcohol...............................................       105.07         2.33         2.45         2.40         2.52         2.47         2.60
    5. Furnishings and Household Operations..................       116.34        15.36        17.87        16.64        19.36        17.82        20.73
    6. Clothing..............................................       104.69        13.02        13.63        13.50        14.13        13.94        14.59
    7. Domestic Services.....................................        97.91         1.73         1.69         1.95         1.91         2.15         2.11
    8. Professional Services.................................        94.12         7.09         6.67         6.82         6.42         6.57         6.18
    9. Personal Care.........................................        99.83         3.91         3.90         3.77         3.76         3.64         3.63
    10. Recreation...........................................       113.05        13.27        15.00        14.35        16.22        15.34        17.34
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       118.38  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       117.72  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       117.10
                                                              ==========================================================================================
Hilo, HI:
    1. Food At Home..........................................       137.49        27.03        37.16        24.05        33.07        21.30        29.29
    2. Food Away From Home...................................       104.45        13.43        14.03        14.18        14.81        14.87        15.53
    3. Tobacco...............................................       135.87         2.82         3.83         2.34         3.18         1.90         2.58
    4. Alcohol...............................................       103.93         2.33         2.42         2.40         2.49         2.47         2.57
    5. Furnishings and Household Operations..................       111.57        15.36        17.14        16.64        18.57        17.82        19.88
    6. Clothing..............................................        99.56        13.02        12.96        13.50        13.44        13.94        13.88
    7. Domestic Services.....................................        83.88         1.73         1.45         1.95         1.64         2.15         1.80
    8. Professional Services.................................        99.85         7.09         7.08         6.82         6.81         6.57         6.56
    9. Personal Care.........................................        98.19         3.91         3.84         3.77         3.70         3.64         3.57
    10. Recreation...........................................       107.12        13.27        14.21        14.35        15.37        15.34        16.43
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       114.12  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       113.08  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       112.09
                                                              ==========================================================================================
Kailua Kona, HI:
    1. Food At Home..........................................       138.67        27.03        37.48        24.05        33.35        21.30        29.54
    2. Food Away From Home...................................       114.54        13.43        15.38        14.18        16.24        14.87        17.03
    3. Tobacco...............................................       125.05         2.82         3.53         2.34         2.93         1.90         2.38
    4. Alcohol...............................................       104.12         2.33         2.43         2.40         2.50         2.47         2.57
    5. Furnishings and Household Operations..................       107.66        15.36        16.54        16.64        17.91        17.82        19.19
    6. Clothing..............................................       109.30        13.02        14.23        13.50        14.76        13.94        15.24
    7. Domestic Services.....................................       114.65         1.73         1.98         1.95         2.24         2.15         2.46
    8. Professional Services.................................       106.15         7.09         7.53         6.82         7.24         6.57         6.97
    9. Personal Care.........................................       106.17         3.91         4.15         3.77         4.00         3.64         3.86
    10. Recreation...........................................       110.47        13.27        14.66        14.35        15.85        15.34        16.95
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       117.91  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       117.02
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       116.19
                                                              ==========================================================================================
Kauai County, HI:
    1. Food At Home..........................................       158.55        27.03        42.86        24.05        38.13        21.30        33.77
    2. Food Away From Home...................................       111.51        13.43        14.98        14.18        15.81        14.87        16.58
    3. Tobacco...............................................       123.62         2.82         3.49         2.34         2.89         1.90         2.35
    4. Alcohol...............................................        96.92         2.33         2.26         2.40         2.33         2.47         2.39
    5. Furnishings and Household Operations..................       120.85        15.36        18.56        16.64        20.11        17.82        21.54

[[Page 44142]]

 
    6. Clothing..............................................       103.95        13.02        13.53        13.50        14.03        13.94        14.49
    7. Domestic Services.....................................        83.64         1.73         1.45         1.95         1.63         2.15         1.80
    8. Professional Services.................................       101.86         7.09         7.22         6.82         6.95         6.57         6.69
    9. Personal Care.........................................       118.62         3.91         4.64         3.77         4.47         3.64         4.32
    10. Recreation...........................................       115.83        13.27        15.37        14.35        16.62        15.34        17.77
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       124.36  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       122.97  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       121.70
                                                              ==========================================================================================
Maui County, HI:
    1. Food at Home..........................................       150.10        27.03        40.57        24.05        36.10        21.30        31.97
    2. Food Away From Home...................................       115.59        13.43        15.52        14.18        16.39        14.87        17.19
    3. Tobacco...............................................       121.17         2.82         3.42         2.34         2.84         1.90         2.30
    4. Alcohol...............................................       103.03         2.33         2.40         2.40         2.47         2.47         2.54
    5. Furnishings and Household Operations..................       117.89        15.36        18.11        16.64        19.62        17.82        21.01
    6. Clothing..............................................       109.61        13.02        14.27        13.50        14.80        13.94        15.28
    7. Domestic Services.....................................        87.16         1.73         1.51         1.95         1.70         2.15         1.87
    8. Professional Services.................................       105.42         7.09         7.47         6.82         7.19         6.57         6.93
    9. Personal Care.........................................       102.40         3.91         4.00         3.77         3.86         3.64         3.73
    10. Recreation...........................................       129.32        13.27        17.16        14.35        18.56        15.34       19.847
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       124.43  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       123.53  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       122.66
                                                              ==========================================================================================
Guam:
    1. Food At Home..........................................       134.59        27.03        36.38        24.05        32.37        21.30        28.67
    2. Food Away From Home...................................       120.67        13.43        16.21        14.18        17.11        14.87        17.94
    3. Tobacco...............................................        64.70         2.82         1.82         2.34         1.51         1.90         1.23
    4. Alcohol...............................................        84.25         2.33         1.96         2.40         2.02         2.47         2.08
    5. Furnishings and.......................................       136.07        15.36        20.90        16.64        22.64        17.82        24.25
    Household Operations.....................................
    6. Clothing..............................................       110.96        13.02        14.45        13.50        14.98        13.94        15.47
    7. Domestic Services.....................................        77.30         1.73         1.34         1.95         1.51         2.15         1.66
    8. Professional Services.................................        99.36         7.09         7.04         6.82         6.78         6.57         6.53
    9. Personal Care.........................................       110.81         3.91         4.33         3.77         4.18         3.64         4.03
    10. Recreation...........................................       120.06        13.27        15.93        14.35        17.23        15.34        18.42
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       120.36  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       120.33  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       120.28
                                                              ==========================================================================================
Guam Blend:**
    1. Food At Home..........................................       101.83        27.03        27.52        24.05        24.49        21.30        21.69
    2. Food Away From Home...................................       120.67        13.43        16.21        14.18        17.11        14.87        17.94
    3. Tobacco...............................................        64.70         2.82         1.82         2.34         1.51         1.90         1.23
    4. Alcohol...............................................        84.25         2.33         1.96         2.40         2.02         2.47         2.08
    5. Furnishings and Household Operations..................       129.21        15.36        19.85        16.64        21.50        17.82        23.03
    6. Clothing..............................................       108.56        13.02        14.13        13.50        14.66        13.94        15.13
    7. Domestic Services.....................................        77.30         1.73         1.34         1.95         1.51         2.15         1.66
    8. Professional Services.................................        99.36         7.09         7.04         6.82         6.78         6.57         6.53
    9. Personal Care.........................................        99.33         3.91         3.88         3.77         3.74         3.64         3.62
    10. Recreation...........................................       111.73        13.27        14.83        14.35        16.03        15.34        17.14
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       108.58  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       109.35  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       110.05
                                                              ==========================================================================================
Puerto Rico:
    1. Food At Home..........................................       116.37        27.03        31.45        24.05        27.99        21.30        24.79

[[Page 44143]]

 
    2. Food Away From Home...................................       113.32        13.43        15.22        14.18        16.07        14.87        16.85
    3. Tobacco...............................................        74.87         2.82         2.11         2.34         1.75         1.90         1.42
    4. Alcohol...............................................       109.87         2.33         2.56         2.40         2.64         2.47         2.71
    5. Furnishings and Household Operations..................       109.16        15.36        16.77        16.64        18.16        17.82        19.45
    6. Clothing..............................................       104.21        13.02        13.57        13.50        14.07        13.94        14.53
    7. Domestic Services.....................................        57.76         1.73         1.00         1.95         1.13         2.15         1.24
    8. Professional Services.................................       103.09         7.09         7.31         6.82         7.03    6.57 6.77
    9. Personal Care.........................................       106.65         3.91         4.17         3.77         4.02         3.64         3.88
    10. Recreation...........................................       114.33        13.27        15.17        14.35        16.41        15.34        17.54
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       109.33  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       109.27  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       109.18
                                                              ==========================================================================================
    St. Croix, VI:
    1. Food At Home..........................................       127.69        27.03        34.51        24.05        30.71        21.30        27.20
    2. Food Away From Home...................................       122.82        13.43        16.49        14.18        17.42        14.87        18.26
    3. Tobacco...............................................        53.92         2.82         1.52         2.34         1.26         1.90         1.02
    4. Alcohol...............................................       102.26         2.33         2.38         2.40         2.45         2.47         2.53
    5. Furnishings and Household Operations..................       134.22        15.36        20.62        16.64        22.33        17.82        23.92
    6. Clothing..............................................       103.59        13.02        13.49        13.50        13.98        13.94        14.44
    7. Domestic Services.....................................        53.37         1.73         0.92         1.95         1.04         2.15         1.15
    8. Professional Services.................................       121.62         7.09         8.62         6.82         8.29         6.57         7.99
    9. Personal Care.........................................       113.40         3.91         4.43         3.77         4.28         3.64         4.13
    10. Recreation...........................................       118.08        13.27        15.67        14.35        16.94        15.34        18.11
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       118.65  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       118.70  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       118.75
                                                              ==========================================================================================
St. Thomas, VI:
    1. Food At Home..........................................       138.12        27.03        37.33        24.05        33.22        21.30        29.42
    2. Food Away From Home...................................       114.63        13.43        15.39        14.18        16.25        14.87        17.05
    3. Tobacco...............................................        62.90         2.82         1.77         2.34         1.47         1.90         1.20
    4. Alcohol...............................................        93.07         2.33         2.17         2.40         2.23         2.47         2.30
    5. Furnishings and Household Operations..................       125.64        15.36        19.30        16.64        20.91        17.82        22.39
    6. Clothing..............................................       100.85        13.02        13.13        13.50        13.61        13.94        14.06
    7. Domestic Services.....................................        58.97         1.73         1.02         1.95         1.15         2.15         1.27
    8. Professional Services.................................       131.69         7.09         9.34         6.82         8.98         6.57         8.65
    9. Personal Care.........................................       111.77         3.91         4.37         3.77         4.21         3.64         4.07
    10. Recreation...........................................       112.32        13.27        14.90        14.35        16.12        15.34        17.23
                                                              ------------------------------------------------------------------------------------------
        Total Weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total Indexes:
            Lower............................................  ...........  ...........       118.72  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       118.15  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........      117.64
--------------------------------------------------------------------------------------------------------------------------------------------------------
 *Numbers might not add to 100 due to rounding.
 **Local Retail and Commissary/Exchange.


                               Consumption Goods and Services Analysis--Composites
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper
                                                                              income       income       income
----------------------------------------------------------------------------------------------------------------
Hilo, HI....................................................        75.81       114.12       113.08       112.09
Kailua Kona, HI.............................................        24.19       117.91       117.02       116.19
                                                             ---------------------------------------------------
    Total weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------

[[Page 44144]]

 
    Hawaii County, HI.......................................  ...........       115.04       114.03       113.08
                                                             ===================================================
St. Croix, VI...............................................        48.26       118.65       118.70       118.75
St. Thomas, VI..............................................        51.74       118.72       118.15       117.64
                                                             ---------------------------------------------------
    Total weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Virgin Islands..........................................  ...........       118.69       118.42       118.18
----------------------------------------------------------------------------------------------------------------

Appendix 8--OPM Living Community List

----------------------------------------------------------------------------------------------------------------
                                                 Low                     Middle                    High
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    Homeowner........................  North Anchorage*.......  North Anchorage*.......  South Anchorage*.
    Renter...........................  North Anchorage*.......  North Anchorage*.......  South Anchorage*.
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........................  Pearl City.............  Kailua.................  Aina Haina.
                                       Waipahu................  Kanehoe................  Hawaii Kai.
                                                                Mililani Town..........  Kaimuki.
                                                                                         Manoa.
    Renter...........................  Kalihi.................  Aiea...................  Aina Haina.
                                       Pearl Harbor Area......  Kailua.................  Hawaii Kai.
                                                                Kanehoe................  Kaimuki.
                                                                Mililani Town..........  Manoa.
Hawaii County--Hilo:
    Homeowner........................  Hilo...................  Hilo...................  Hilo.
    Renter...........................  Hilo...................  Hilo...................  Hilo.
Hawaii County--Kailua Kona:
    Homeowner........................  Kailua Kona Area.......  Kailua Kona Area.......  Kailua Kona Area.
    Renter...........................  Kailua Kona Area.......  Kailua Kona Area.......  Kailua Kona Area.
Kauai:
    Homeowner........................  Kauai..................  Kauai..................  Kauai.
    Renter...........................  Kauai..................  Kauai..................  Kauai.
Maui:
    Homeowner........................  Maui...................  Maui...................  Maui.
    Renter...........................  Maui...................  Maui...................  Maui.
Guam:
    Homeowner........................  Guam...................  Guam...................  Guam.
    Renter...........................  Guam...................  Guam...................  Guam.
Puerto Rico:
    Homeowner........................  Bayamon................  Rio Piedras including    Guaynabo.
                                                                 VA Hospital Area.
                                       Carolina...............
    Renter...........................  Bayamon................  Isla Verde.............  Condado.
                                       Carolina...............  Rio Piedras excluding    Guaynabo.
                                                                 VA Hospital Area.
                                       Rio Piedras excluding
                                        VA Hospital Area.
St. Croix:
    Homeowner........................  St. Croix..............  St. Croix..............  St. Croix.
    Renter...........................  St. Croix..............  St. Croix..............  St. Croix.
St. Thomas:
    Homeowner........................  St. Thomas.............  St. Thomas.............  St. Thomas.
    Renter...........................  St. Thomas.............  St. Thomas.............  St. Thomas.
Washington, DC--DC:
    Homeowner........................  Southeast DC...........  Northeast DC...........  Northwest DC**.
    Renter...........................  Southeast DC...........  Northeast DC...........  Northwest DC**.
Washington, DC--MD:
    Homeowner........................  Capitol Heights/         Gaithersburg/Silver      Rockville.
                                        Suitland.                Spring.

[[Page 44145]]

 
    Renter...........................  Capitol Heights/         Hyattsville/College      Rockville.
                                        Suitland.                Park.
Washington, DC--VA:
    Homeowner........................  Woodbridge/Dale City...  Springfield............  Alexandria.
    Renter...........................  Woodbridge/Dale City...  Alexandria.............  Arlington.
----------------------------------------------------------------------------------------------------------------
*Dividing line between North and South Anchorage is Tudor Road.
**Excludes Georgetown, but includes Dupont Circle, Cleveland Park, and Adams Morgan.

Appendix 9--Historical Home Market Values and Interest Rates

----------------------------------------------------------------------------------------------------------------
                                                      Interest
                 Area                      Year         rate          Income level         Market    Annual  P &
                                                     (percent)                             value          I*
----------------------------------------------------------------------------------------------------------------
Anchorage, AK........................         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
                                              1997        7.792  Lower................       86,859     5,997.96
                                                                 Middle...............      119,561     8,256.24
                                                                 Upper................      149,073    10,294.20
                                              1998        6.875  Lower................       92,484     5,832.48
                                                                 Middle...............      123,136     7,765.56
                                                                 Upper................      154,139     9,720.84
Fairbanks, AK........................         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
                                                                 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
                                              1997        8.183  Lower................       78,804     5,647.92
                                                                 Middle...............       97,110     6,959.88
                                                                 Upper................      122,196     8,757.72
                                              1998        6.938  Lower................       79,200     5,026.80
                                                                 Middle...............      110,903     7,038.96
                                                                 Upper................

[[Page 44146]]

 
Juneau, AK...........................         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
                                              1997        7.792  Lower................      130,266     8,995.44
                                                                 Middle...............      162,955    11,252.76
                                                                 Upper................      185,011    12,775.80
                                              1998        6.958  Lower................      126,783     8,063.16
                                                                 Middle...............      160,927    10,234.68
                                                                 Upper................      188,003    11,956.68
Nome, AK.............................         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
                                              1997        8.183  Lower................       99,324     7,118.52
                                                                 Middle...............      143,468    10,282.32
                                                                 Upper................      187,612    13,446.12
                                              1998        8.250  Lower................       86,479     6,237.00
                                                                 Middle...............      124,914     9,009.00
                                                                 Upper................      163,350    11,781.00
Honolulu, HI.........................         1988       11.000  Lower................      134,388    12,286.20
                                                                 Middle...............      173,823    15,891.48
                                                                 Upper................      335,274    30,651.72
                                              1989       10.500  Lower................      182,268    16,005.84
                                                                 Middle...............      231,218    20,304.36
                                                                 Upper................      410,550    36,052.44
                                              1990       10.250  Lower................      248,571    21,383.52
                                                                 Middle...............      299,702    25,782.12
                                                                 Upper................      510,714    43,934.42
                                              1991        9.125  Lower................      258,300    20,175.48
                                                                 Middle...............      320,866    25,062.48
                                                                 Upper................      501,701    39,187.20

[[Page 44147]]

 
                                              1992        8.125  Lower................      192,168    13,697.64
                                                                 Middle...............      323,752    23,076.96
                                                                 Upper................      483,820    34,486.56
                                              1993        7.125  Lower................      243,072    15,721.20
                                                                 Middle...............      331,006    21,408.48
                                                                 Upper................      470,730    30,445.44
                                              1994        9.333  Lower................      257,814    20,510.40
                                                                 Middle...............      340,392    27,079.80
                                                                 Upper................      466,242    37,091.88
                                              1996        7.025  Lower................      220,896    14,144.04
                                                                 Middle...............      303,849    19,455.60
                                                                 Upper................      417,095    26,706.72
                                              1997        7.875  Lower................      213,003    14,826.48
                                                                 Middle...............      278,759    19,403.52
                                                                 Upper................      401,642    27,957.00
                                              1998        7.250  Lower................      190,800    12,495.24
                                                                 Middle...............      266,955    17,482.56
                                                                 Upper................      399,092    26,136.12
Hilo, HI.............................         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................      121,688    10,468.32
                                                                 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     9,124.92
                                                                 Middle...............      162,500    12,927.96
                                                                 Upper................      196,146    15,604.80
                                              1996        7.000  Lower................      115,750     7,392.84
                                                                 Middle...............      164,711    10,519.92
                                                                 Upper................      183,841    11,741.76
                                              1997        7.792  Lower................       89,064     6,150.24
                                                                 Middle...............      139,191     9,611.76
                                                                 Upper................      186,983    12,912.00
                                              1998        7.125  Lower................       90,000     5,820.96
                                                                 Middle...............      137,436     8,889.00
                                                                 Upper................      163,489    10,573.92
Kailua Kona, HI......................         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
                                                                 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...............      219,902    14,180.16
                                                                 Upper................      261,902    16,939.08
                                              1994        9.333  Lower................      152,235    12,111.36
                                                                 Middle...............      215,826    17,170.44
                                                                 Upper................      224,128    17,830.92
                                              1996        6.958  Lower................      144,434     9,186.12
                                                                 Middle...............      191,923    12,206.40
                                                                 Upper................      220,752    14,039.88

[[Page 44148]]

 
                                              1997        8.042  Lower................      141,552    10,010.88
                                                                 Middle...............      186,056    13,158.36
                                                                 Upper................      219,674    15,535.92
                                              1998        7.375  Lower................      156,699    10,389.84
                                                                 Middle...............      180,557    11,971.80
                                                                 Upper................      225,284    14,937.36
Kauai County, HI.....................         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
                                              1997        8.042  Lower................      151,551    10,718.04
                                                                 Middle...............      209,781    14,836.32
                                                                 Upper................      235,688    16,668.48
                                              1998        7.292  Lower................      150,885     9,922.56
                                                                 Middle...............      191,646    12,603.12
                                                                 Upper................      229,534    15,094.80
 Maui County, HI.....................         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
                                                                 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
                                              1997        7.417  Lower................      182,448    12,147.36
                                                                 Middle...............      234,429    15,608.28
                                                                 Upper................      274,074    18,247.80
                                              1998        7.292  Lower................      192,636    12,668.28
                                                                 Middle...............      233,779    15,373.92
                                                                 Upper................      263,653    17,338.56
Guam.................................         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

[[Page 44149]]

 
                                              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
                                              1997        7.917  Lower................      149,292    10,433.52
                                                                 Middle...............      162,500    11,356.56
                                                                 Upper................      212,500    14,850.96
                                              1998        7.500  Lower................      121,500     8,155.68
                                                                 Middle...............      162,500    10,907.76
                                                                 Upper................      204,000    13,693.44
Puerto Rico..........................         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     4,814.04
                                                                 Middle...............      107,367     7,414.20
                                                                 Upper................      168,385    11,627.76
                                              1997        7.770  Lower................       73,683     5,077.32
                                                                 Middle...............      108,849     7,500.60
                                                                 Upper................      172,244    11,869.08
                                              1998        6.500  Lower................       77,859     4,724.40
                                                                 Middle...............      118,937     7,216.92
                                                                 Upper................      175,032    10,620.72
St. Croix, VI........................         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

[[Page 44150]]

 
                                              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
                                              1997        9.250  Lower................       78,489     6,198.84
                                                                 Middle...............      128,076    10,115.04
                                                                 Upper................      152,099    12,012.24
                                              1998        8.420  Lower................       62,793     4,600.92
                                                                 Middle...............       98,020     7,182.12
                                                                 Upper................      193,188    14,155.32
St. Thomas, VI.......................         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
                                              1997        8.333  Lower................      137,936    10,025.52
                                                                 Middle...............      197,134    14,328.24
                                                                 Upper................      187,673    13,640.52
                                              1998        7.000  Lower................      223,632    14,283.12
                                                                 Middle...............      193,388    12,351.48
                                                                 Upper................      261,902    16,727.40
Washington, DC (DC)..................         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
                                                                 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
                                              1997        7.823  Lower................       56,115     3,886.56
                                                                 Middle...............       82,940     5,744.52
                                                                 Upper................      220,779    15,291.24
                                              1998        6.938  Lower................       64,827     4,114.56
                                                                 Middle...............       91,585     5,812.92
                                                                 Upper................      236,640    15,019.44

[[Page 44151]]

 
Washington, DC (MD)..................         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
                                              1997        7.920  Lower................       94,536     6,608.76
                                                                 Middle...............      160,823    11,242.56
                                                                 Upper................      199,648    13,956.72
                                              1998        6.969  Lower................       94,779     6,034.56
                                                                 Middle...............      166,049    10,572.24
                                                                 Upper................      173,162    11,025.12
Washington, DC (VA)..................         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
                                                                 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
                                              1997        7.858  Lower................      104,364     7,252.56
                                                                 Middle...............      160,706    11,168.04
                                                                 Upper................      229,925    15,978.24
                                              1998        6.948  Lower................      103,662     6,586.08
                                                                 Middle...............      160,849    10,219.44
                                                                 Upper................      229,024    14,550.84
----------------------------------------------------------------------------------------------------------------

Appendix 10--Historical Housing Data

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                               Lower                     Middle                    Upper
                             Year                                Weights      amounts      Subtotal     amounts      Subtotal     amounts      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    1988.....................................................         6.31     6,517.44       411.25     8,895.60       561.31    10,291.08       649.37
    1989.....................................................         6.77     6,235.80       422.16     8,628.72       584.16    10,390.20       703.42
    1990.....................................................         8.19     5,229.00       428.26     7,490.40       613.46     9,874.32       808.71
    1992.....................................................         7.03     5,074.92       356.77     7,430.88       522.39    10,767.84       756.98
    1993.....................................................         7.72     5,053.92       390.16     7,061.88       545.18     9,324.48       719.85
    1994.....................................................         8.32     4,906.92       408.26     6,733.56       560.23     8,478.60       705.42

[[Page 44152]]

 
    1995.....................................................        10.08     6,218.76       626.85     7,622.76       768.37    10,048.80     1,012.92
    1996.....................................................        12.92     5,409.96       698.97     7,287.24       941.51     9,034.68     1,167.28
    1997.....................................................        13.78     5,997.96       826.52     8,256.24     1,137.71    10,294.20     1,418.54
    1998.....................................................        18.88     5,832.48     1,101.17     7,765.56     1,466.14     9,720.84     1,835.29
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     5,670.37  ...........     7,700.46  ...........     9,777.78
                                                              ==========================================================================================
Fairbanks, AK:
    1988.....................................................         6.31     5,681.28       358.49     8,183.52       516.38    10,842.24       684.15
    1989.....................................................         6.77     5,313.96       359.76     8,164.32       552.72    10,627.44       719.48
    1990.....................................................         8.19     4,353.24       356.53     7,193.40       589.14     9,217.08       754.88
    1992.....................................................         7.03     5,472.84       384.74     7,832.52       550.63    10,582.44       743.95
    1993.....................................................         7.72     4,953.84       382.44     7,233.36       558.42     8,253.24       637.15
    1994.....................................................         8.32     5,184.60       431.36     7,649.64       636.45     8,685.72       722.65
    1995.....................................................        10.08     5,186.76       522.83     6,337.80       638.85     8,157.48       822.27
    1996.....................................................        12.92     4,716.12       609.32     5,990.76       774.01     7,493.16       968.12
    1997.....................................................        13.78     5,647.92       778.28     6,959.88       959.07     8,757.72     1,206.81
    1998.....................................................        18.88     5,026.80       949.06     7,038.96     1,328.96     7,803.24     1,473.25
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     5,132.81  ...........     7,104.63  ...........     8,732.71
                                                              ==========================================================================================
Juneau, AK:
    1988.....................................................         6.31     6,712.68       423.57     8,235.96       519.69     9,999.84       630.99
    1989.....................................................         6.77     6,352.08       430.04     7,966.68       539.34     9,799.20       663.41
    1990.....................................................         8.19     6,746.88       552.57     8,536.08       699.10    10,609.08       868.88
    1992.....................................................         7.03     6,911.04       485.85     8,836.68       621.22    11,300.76       794.44
    1993.....................................................         7.72     6,241.92       481.88     8,234.04       635.67     9,568.08       738.66
    1994.....................................................         8.32     6,307.32       524.77     7,974.72       663.50     9,564.36       795.75
    1995.....................................................        10.08     7,681.80       774.33    10,358.16     1,044.10    12,231.48     1,232.93
    1996.....................................................        12.92     7,389.72       954.75     9,298.44     1,201.36    10,963.20     1,416.45
    1997.....................................................        13.78     8,995.44     1,239.57    11,252.76     1,550.63    12,775.80     1,760.51
    1998.....................................................        18.88     8,063.16     1,522.32    10,234.68     1,932.31    11,956.68     2,257.42
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     7,389.65  ...........     9,406.92  ...........    11,159.44
                                                              ==========================================================================================
Nome, AK:
    1988.....................................................         6.31     6,916.56       436.43     9,146.76       577.16    11,004.24       694.37
    1989.....................................................         6.77     7,039.56       476.58     9,309.36       630.24    11,199.96       758.24
    1990.....................................................         8.19     6,348.96       519.98     8,396.16       687.65    10,101.12       827.28
    1992.....................................................         7.03     5,492.04       386.09     7,531.32       529.45     9,454.68       664.66
    1993.....................................................         7.72     4,023.96       310.65     5,518.08       426.00     6,927.36       534.79
    1994.....................................................         8.32     5,596.56       465.63     7,674.60       638.53     9,634.68       801.61
    1995.....................................................        10.08     6,101.16       615.00     8,812.80       888.33    11,524.44     1,161.66
    1996.....................................................        12.92     5,229.48       675.65     7,707.60       995.82     9,003.84     1,163.30
    1997.....................................................        13.78     7,118.52       980.93    10,282.32     1,416.90    13,446.12     1,852.88
    1998.....................................................        18.88     6,237.00     1,177.55     9,009.00     1,700.90    11,781.00     2,224.25
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     6,044.49  ...........     8,490.98  ...........    10,683.04
                                                              ==========================================================================================
Honolulu, HI:
    1988.....................................................         6.31    12,286.20       775.26    15,891.48     1,002.75    30,651.72     1,934.12
    1989.....................................................         6.77    16,005.84     1,083.60    20,304.36     1,374.61    36,052.44     2,440.75
    1990.....................................................         8.19    21,383.52     1,751.31    25,782.12     2,111.56    43,934.52     3,598.24
    1991.....................................................         7.03    20,175.48     1,418.34    25,062.48     1,761.89    39,187.20     2,754.86
    1992.....................................................         7.72    13,697.64     1,057.46    23,076.96     1,781.54    34,486.56     2,662.36
    1993.....................................................         8.32    15,721.20     1,308.00    21,408.48     1,781.19    30,445.44     2,533.06
    1994.....................................................        10.08    20,510.40     2,067.45    27,079.80     2,729.64    37,091.88     3,738.86
    1996.....................................................        12.92    14,144.04     1,827.41    19,455.60     2,513.66    26,706.72     3,450.51
    1997.....................................................        13.78    14,826.48     2,043.09    19,403.52     2,673.81    27,957.00     3,852.47
    1998.....................................................        18.88    12,495.24     2,359.10    17,482.56     3,300.71    26,136.12     4,934.50
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........    15,691.02  ...........    21,031.36  ...........    31,899.73
                                                              ==========================================================================================
Hilo, HI:
    1988.....................................................         6.31     6,254.28       394.65     8,444.88       532.87    10,459.92       660.02
    1989.....................................................         6.77     6,795.60       460.06     9,006.24       609.72    10,777.32       729.62
    1990.....................................................         8.19    10,468.32       857.36     9,361.44       766.70    14,132.52     1,157.45
    1991.....................................................         7.03    10,474.44       736.35    14,114.28       992.23    15,934.20     1,120.17
    1992.....................................................         7.72     9,319.32       719.45    11,611.68       896.42    14,103.60     1,088.80
    1993.....................................................         8.32     8,269.20       688.00    11,195.28       931.45    13,065.96     1,087.09
    1994.....................................................        10.08     9,124.92       919.79    12,927.96     1,303.14    15,604.80     1,572.96
    1996.....................................................        12.92     7,392.84       955.15    10,519.92     1,359.17    11,741.76     1,517.04
    1997.....................................................        13.78     6,150.24       847.50     9,611.76     1,324.50    12,912.00     1,779.27

[[Page 44153]]

 
    1998.....................................................        18.88     5,820.96     1,099.00     8,889.00     1,678.24    10,573.92     1,996.36
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     7,677.31  ...........    10,394.44  ...........    12,708.78
                                                              ==========================================================================================
Kailua Kona, HI:
    1988.....................................................         6.31     9,202.80       580.70    12,541.44       791.36    14,691.00       927.00
    1989.....................................................         6.77     9,874.32       668.49    13,345.56       903.49    15,902.16     1,076.58
    1990.....................................................         8.19    11,579.88       948.39    16,336.32     1,337.94    19,364.40     1,585.94
    1991.....................................................         7.03    12,096.60       850.39    15,949.08     1,121.22    20,059.44     1,410.18
    1992.....................................................         7.72    11,395.32       879.72    15,891.84     1,226.85    18,605.28     1,436.33
    1993.....................................................         8.32     9,938.64       826.89    14,180.16     1,179.79    16,939.08     1,409.33
    1994.....................................................        10.08    12,111.36     1,220.83    17,170.44     1,730.78    17,830.92     1,797.36
    1996.....................................................        12.92     9,186.12     1,186.85    12,206.40     1,577.07    14,039.88     1,813.95
    1997.....................................................        13.78    10,010.88     1,379.50    13,158.36     1,813.22    15,535.92     2,140.85
    1998.....................................................        18.88    10,389.84     1,961.60    11,971.80     2,260.28    14,937.36     2,820.17
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........    10,503.36  ...........    13,942.00  ...........    16,417.69
                                                              ==========================================================================================
Kauai, HI:
    1988.....................................................         6.31     8,323.68       525.22    11,387.28       718.54    13,309.44       839.83
    1989.....................................................         6.77     9,090.24       615.41    12,541.56       849.06    15,622.32     1,057.63
    1990.....................................................         8.19    15,256.80     1,249.53    20,116.80     1,647.57    25,451.04     2,084.44
    1991.....................................................         7.03    13,617.12       957.28    17,957.16     1,262.39    22,714.08     1,596.80
    1992.....................................................         7.72    12,245.28       945.34    15,797.28     1,219.55    19,524.96     1,507.33
    1993.....................................................         8.32    11,122.08       925.36    14,349.12     1,193.85    17,734.08     1,475.48
    1994.....................................................        10.08    12,995.64     1,309.96    17,677.20     1,781.86    20,287.08     2,044.94
    1996.....................................................        12.92    11,251.32     1,453.67    14,510.28     1,874.73    16,859.40     2,178.23
    1997.....................................................        13.78    10,718.04     1,476.95    14,836.32     2,044.44    16,668.48     2,296.92
    1998.....................................................        18.88     9,922.56     1,873.38    12,603.12     2,379.47    15,094.80     2,849.90
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........    11,332.10  ...........    14,971.46  ...........    17,931.50
                                                              ==========================================================================================
Maui, HI:
    1988.....................................................         6.31    11,071.92       698.64    14,691.00       927.00    18,474.84     1,165.76
    1989.....................................................         6.77    13,293.84       899.99    17,639.04     1,194.16    22,182.12     1,501.73
    1990.....................................................         8.19    14,976.36     1,226.56    19,871.64     1,627.49    24,989.64     2,046.65
    1991.....................................................         7.03    16,453.68     1,156.69    21,831.36     1,534.74    27,454.80     1,930.07
    1992.....................................................         7.72    14,820.00     1,144.10    19,667.88     1,518.36    24,728.76     1,909.06
    1993.....................................................         8.32    11,648.28       969.14    16,523.40     1,374.75    20,104.56     1,672.70
    1994.....................................................        10.08    14,320.32     1,443.49    19,936.08     2,009.56    22,152.12     2,232.93
    1996.....................................................        12.92    12,299.64     1,589.11    16,643.88     2,150.39    18,083.76     2,336.42
    1997.....................................................        13.78    12,147.36     1,673.91    15,608.28     2,150.82    18,247.80     2,514.55
    1998.....................................................        18.88    12,668.28     2,391.77    15,373.92     2,902.60    17,338.56     3,273.52
--------------------------------------------------------------------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........    13,193.40  ...........    17,389.87  ...........    20,583.39
                                                              ==========================================================================================
Guam:
    1988.....................................................         6.31     7,704.36       486.15     9,500.64       599.49    18,950.76     1,195.79
    1989.....................................................         6.77     8,145.12       551.42    10,089.48       683.06    19,620.72     1,328.32
    1990.....................................................         8.19     9,060.24       742.03    11,253.60       921.67    21,448.32     1,756.62
    1991.....................................................         7.03     9,662.04       679.24    12,001.08       843.68    22,873.20     1,607.99
    1992.....................................................         7.72    10,554.60       814.82    13,109.88     1,012.08    24,986.28     1,928.94
    1993.....................................................         8.32     9,954.48       828.21    13,017.84     1,083.08    17,811.36     1,481.91
    1994.....................................................        10.08    11,290.32     1,138.06    15,925.44     1,605.28    20,674.56     2,084.00
    1996.....................................................        12.92     9,100.80     1,175.82    12,534.36     1,619.44    15,616.08     2,017.60
    1997.....................................................        13.78    10,433.52     1,437.74    11,356.56     1,564.93    14,850.96     2,046.46
    1998.....................................................        18.88     8,155.68     1,539.79    10,907.76     2,059.39    13,693.44     2,585.32
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     9,393.28  ...........    11,992.10  ...........    18,032.95
                                                              ==========================================================================================
Puerto Rico:
    1988.....................................................         6.31     5,837.04       368.32     7,149.48       451.13    10,348.44       652.99
    1989.....................................................         6.77     6,165.48       417.40     7,551.84       511.26    10,632.72       719.84
    1990.....................................................         8.19     6,782.04       555.45     8,307.00       680.34    11,696.04       957.91
    1991.....................................................         7.03     6,324.48       444.61     7,657.68       538.33    10,777.44       757.65
    1992.....................................................         7.72     4,438.68       342.67     6,038.88       466.20    10,830.72       836.13
    1993.....................................................         8.32     3,970.44       330.34     5,438.28       452.46     9,822.96       817.27
    1994.....................................................        10.08     5,048.16       508.85     7,720.92       778.27    10,847.64     1,093.44
    1996.....................................................        12.92     4,814.04       621.97     7,414.20       957.91    11,627.76     1,502.31
    1997.....................................................        13.78     5,077.32       699.65     7,500.60     1,033.58    11,869.08     1,635.56
    1998.....................................................        18.88     4,724.40       891.97     7,216.92     1,362.55    10,620.72     2,005.19
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     5,181.23  ...........     7,232.03  ...........    10,978.29
                                                              ==========================================================================================

[[Page 44154]]

 
St. Croix, VI:
    1988.....................................................         6.31     6,522.36       411.56     8,451.96       533.32    14,341.08       904.92
    1989.....................................................         6.77     6,272.52       424.65     8,128.20       550.28    13,791.84       933.71
    1990.....................................................         8.19     7,544.28       617.88     9,776.28       800.68    16,588.32     1,358.58
    1991.....................................................         7.03     7,336.32       515.74     9,505.80       668.26    16,129.80     1,133.92
    1992.....................................................         7.72     8,365.68       645.83    12,258.96       946.39    15,178.68     1,171.79
    1993.....................................................         8.32     8,242.44       685.77    12,708.00     1,057.31    14,155.92     1,177.77
    1994.....................................................        10.08     6,024.00       607.22     9,966.84     1,004.66    16,344.96     1,647.57
    1996.....................................................        12.92     6,691.32       864.52     9,680.88     1,250.77    14,017.44     1,811.05
    1997.....................................................        13.78     6,198.84       854.20    10,115.04     1,393.85    12,012.24     1,655.29
    1998.....................................................        18.88     4,600.92       868.65     7,182.12     1,355.98    14,155.32     2,672.52
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     6,496.02  ...........     9,561.50  ...........    14,467.12
                                                              ==========================================================================================
St. Thomas, VI:
    1988.....................................................         6.31    11,961.12       754.75    15,134.40       954.98    18,063.60     1,139.81
    1989.....................................................         6.77    12,301.20       832.79    15,564.84     1,053.74    18,577.32     1,257.68
    1990.....................................................         8.19    11,422.08       935.47    14,452.32     1,183.65    17,249.64     1,412.75
    1991.....................................................         7.03    10,916.64       767.44    15,544.80     1,092.80    18,134.28     1,274.84
    1992.....................................................         7.72     9,959.04       768.84    14,181.24     1,094.79    16,543.56     1,277.16
    1993.....................................................         8.32    10,074.00       838.16    14,339.88     1,193.08    16,728.48     1,391.81
    1994.....................................................        10.08     8,290.44       835.68    14,798.52     1,491.69    15,204.60     1,532.62
    1996.....................................................        12.92     9,987.00     1,290.32    14,273.16     1,844.09    13,588.08     1,755.58
    1997.....................................................        13.78    10,025.52     1,381.52    14,328.24     1,974.43    13,640.52     1,879.66
    1998.....................................................        18.88    14,283.12     2,696.65    12,351.48     2,331.96    16,727.40     3,158.13
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........    11,101.62  ...........    14,215.21  ...........    16,080.04
                                                              ==========================================================================================
Washington, DC (DC):
    1988.....................................................         6.31     6,702.60       422.93    11,136.48       702.71    17,765.88     1,121.03
    1989.....................................................         6.77     6,701.52       453.69    11,474.40       776.82    17,829.00     1,207.02
    1990.....................................................         8.19     7,325.52       599.96    11,751.84       962.48    19,671.24     1,611.07
    1991.....................................................         7.03     7,116.12       500.26    11,416.08       802.55    19,112.40     1,343.60
    1992.....................................................         7.72     6,589.32       508.70     9,233.04       712.79    17,500.56     1,351.04
    1993.....................................................         8.32     6,190.80       515.07     7,626.48       634.52    19,000.56     1,580.85
    1994.....................................................        10.08     6,170.04       621.94     7,851.72       791.45    22,922.64     2,310.60
    1996.....................................................        12.92     4,972.20       642.41     7,503.12       969.40    19,743.24     2,550.83
    1997.....................................................        13.78     3,886.56       535.57     5,744.52       791.59    15,291.24     2,107.13
    1998.....................................................        18.88     4,114.56       776.83     5,812.92     1,097.48    15,019.44     2,835.67
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     5,577.36  ...........     8,241.79  ...........    18,018.84
                                                              ==========================================================================================
Washington, DC (MD):
    1988.....................................................         6.31     6,370.68       401.99     9,865.20       622.49    11,737.80       740.66
    1989.....................................................         6.77     6,854.04       464.02    10,613.64       718.54    12,628.44       854.95
    1990.....................................................         8.19     7,460.28       611.00    11,552.28       946.13    13,745.28     1,125.74
    1991.....................................................         7.03     7,059.48       496.28    10,931.88       768.51    12,835.80       902.36
    1992.....................................................         7.72     7,559.28       583.58     9,512.28       734.35    15,053.64     1,162.14
    1993.....................................................         8.32     6,143.52       511.14     7,884.36       655.98    13,543.68     1,126.83
    1994.....................................................        10.08     6,831.24       688.59    12,567.72     1,266.83    16,073.40     1,620.20
    1996.....................................................        12.92     6,912.12       893.05    14,083.80     1,819.63    14,206.80     1,835.52
    1997.....................................................        13.78     6,608.76       910.69    11,242.56     1,549.22    13,956.72     1,923.24
    1998.....................................................        18.88     6,034.56     1,139.32    10,572.24     1,996.04    11,025.12     2,081.54
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     6,699.66  ...........    11,077.72  ...........    13,373.18
                                                              ==========================================================================================
Washington, DC (VA):
    1988.....................................................         6.31     7,324.92       462.20     8,265.36       521.54    13,704.36       864.75
    1989.....................................................         6.77     7,271.88       492.31     8,205.60       555.52    13,605.24       921.07
    1990.....................................................         8.19     8,196.60       671.30     9,249.00       757.49    15,335.28     1,255.96
    1991.....................................................         7.03     7,947.48       558.71     9,037.44       635.33    14,364.60     1,009.83
    1992.....................................................         7.72     7,219.56       557.35     9,110.04       703.30    13,184.52     1,017.84
    1993.....................................................         8.32     6,370.44       530.02     8,516.40       708.56    12,196.92     1,014.78
    1994.....................................................        10.08     7,490.88       755.08    12,618.72     1,271.97    17,152.44     1,728.97
    1996.....................................................        12.92     6,976.80       901.40    10,914.84     1,410.20    13,326.60     1,721.80
    1997.....................................................        13.78     7,252.56       999.40    11,168.04     1,538.96    15,978.24     2,201.80
    1998.....................................................        18.88     6,586.08     1,243.45    10,219.44     1,929.43    14,550.84     2,747.20
                                                              ------------------------------------------------------------------------------------------
        Totals...............................................       100.00  ...........     7,171.22  ...........    10,032.30  ...........    14,484.00
--------------------------------------------------------------------------------------------------------------------------------------------------------


[[Page 44155]]

Appendix 11--Summary of Rental Analyses

----------------------------------------------------------------------------------------------------------------
                                                                  1998 data medians
                                   -----------------------------------------------------------------------------
                                       Broker & non-broker           Non-Broker                  Broker
                                   -----------------------------------------------------------------------------
                                         #            $            #            $            #            $
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    Low...........................           22         $563           15         $575            7         $550
    Middle........................           18          668           12          698            6          638
    High..........................           30        1,013           23        1,175            7          850
Fairbanks, AK:
    Low...........................            9          520            6          505            3          535
    Middle........................           14          698            9          695            5          700
    High..........................           10          888            9        1,000            1          775
Juneau, AK:
    Low...........................            7          750            3          725            4          775
    Middle........................           15          890            8          930            7          850
    High..........................           11        1,225            5        1,350            6        1,100
*Nome, AK:
    Low...........................            2          750            2          750            0          750
    Middle........................            4          869            4          913            0          825
    High..........................            0          988            0            0            0          988
Honolulu, HI:
    Low...........................          130          723          119          695           11          750
    Middle........................          205          900          192          850           13          950
    High..........................          310        1,373          302        1,395            8        1,350
Hilo, HI:
    Low...........................           65          441           65          375            0          506
    Middle........................           44          575           39          450            5          700
    High..........................          207          698          201          695            6          700
Kailua Kona, HI:
    Low...........................           62          569           60          550            2          588
    Middle........................           24          713           21          625            3          800
    High..........................          126        1,038          124          975            2        1,100
Kauai, HI:
    Low...........................           54          588           48          525            6          650
    Middle........................           24          669           12          638           12          700
    High..........................           74          875           72          850            2          900
Maui, HI:
    Low...........................          157          675          142          650           15          700
    Middle........................           39          800           26          725           13          875
    High..........................          400        1,035          388          950           12        1,119
Guam:
    Low...........................            8          700            3          500            5          900
    Middle........................           26          900           17          800            9        1,000
    High..........................           14        1,100            9        1,200            5        1,000
**Puerto Rico:
    Low...........................           31          613           18          425           13          800
    Middle........................           24          775           10          600           14          950
    High..........................           11        1,238           11          975            0        1,500
St. Croix, VI:
    Low...........................            8          494            4          438            4          550
    Middle........................            9          694            4          638            5          750
    High..........................            8          850            5          700            3        1,000
St. Thomas, VI:
    Low...........................           25          663           13          625           12          700
    Middle........................           21          900            9          800           12        1,000
    High..........................           22        1,213           11        1,200           11        1,225
***Washington, DC (DC):
    Low...........................           16          489           10          438            6          540
    Middle........................           13          695            4          645            9          745
    High..........................           13        1,275           13        1,000            0        1,550
Washington, DC (MD):
    Low...........................           12          589            6          553            6          624
    Middle........................           18          739           10          689            8          788
    High..........................           25        1,275           12        1,300           13        1,250
****Washington, DC (VA):
    Low...........................            5          628            5          665            0          590
    Middle........................           31          979           14          798           17        1,159
    High..........................           68        1,425           49        1,200           19       1,650
----------------------------------------------------------------------------------------------------------------
* Used 1997 broker rental values at all income levels because this year's data were unavailable.
** Used broker quote data for all communities in the greater San Juan area except at the upper income level, for
  which 1997 broker rental value was used because this year's data reflected incomplete rental information.
*** Used 1997 broker rental at the upper income level because this year's data reflected incomplete rental
  information.
**** Used 1997 broker rental value at the lower income level because this year's data were unavailable.


[[Page 44156]]

Appendix 12--Housing Cost Analysis

----------------------------------------------------------------------------------------------------------------
                                                                    Annual costs
                                   -----------------------------------------------------------------------------
             Category                     Lower income              Middle income             Upper income
                                   -----------------------------------------------------------------------------
                                       Owner        Renter       Owner        Renter       Owner        Renter
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    Maintenance...................         $796          $62         $936          $73       $1,077          $78
    Insurance.....................          390          117          472         $129          560         $141
    Utilities.....................        2,094        1,840        2,411        2,094        2,728        2,242
    Real estate taxes.............        1,710  ...........        2,277  ...........        2,580  ...........
    Housing.......................        5,670        6,756        7,700        8,016        9,778       12,156
                                   -----------------------------------------------------------------------------
        Total annual cost.........       10,660        8,775       13,796       10,312       16,723       14,617
                                   =============================================================================
Fairbanks, AK:
    Maintenance...................          764           60          898           70        1,033           75
    Insurance.....................          374          150          472          168          511          180
    Utilities.....................        2,814        2,466        3,250        2,814        3,685        3,018
    Real estate taxes.............        1,368  ...........        1,995  ...........        2,233  ...........
    Housing.......................        5,133        6,240        7,105        8,376        8,733       10,656
                                   -----------------------------------------------------------------------------
        Total annual cost.........       10,453        8,916       13,720       11,428       16,195       13,929
                                   =============================================================================
Juneau, AK:
    Maintenance...................          814           64          958           74        1,101           80
    Insurance.....................          412          127          493          139          567          152
    Utilities.....................        2,245        1,976        2,583        2,245        2,920        2,403
    Real estate taxes.............        1,524  ...........        1,934  ...........        2,260  ...........
    Housing.......................        7,390        9,000        9,407       10,680       11,159       14,700
                                   -----------------------------------------------------------------------------
        Total annual cost.........       12,385       11,167       15,375       13,138       18,007       17,335
                                   =============================================================================
Nome, AK:
    Maintenance...................          736           58          866           67          995           73
    Insurance.....................          511          250          663          250          701          250
    Utilities.....................        3,633        3,174        4,206        3,633        4,780        3,901
    Real estate taxes.............          961  ...........        1,388  ...........        1,815  ...........
    Housing.......................        6,044        9,000        8,491       10,428       10,683       11,856
                                   -----------------------------------------------------------------------------
        Total annual cost.........       11,885       12,482       15,614       14,378       18,974       16,080
                                   =============================================================================
Honolulu, HI:
    Maintenance...................          695           54          817           63          940           69
    Insurance.....................          580          319          682          364          907          412
    Utilities.....................        1,776        1,585        2,015        1,776        2,253        1,887
    Real estate taxes.............          526  ...........          792  ...........        1,253  ...........
    Housing.......................       15,691        8,676       21,031       10,800       31,900       16,476
                                   -----------------------------------------------------------------------------
        Total annual cost.........       19,268       10,634       25,337       13,003       37,253       18,844
                                   =============================================================================
Hilo, HI:
    Maintenance...................          784           61          922           71        1,060           77
    Insurance.....................          423          276          487          314          548          351
    Utilities.....................        2,314        2,041        2,654        2,314        2,994        2,472
    Real estate taxes.............          425  ...........          828  ...........        1,050  ...........
    Housing.......................        7,677        5,292       10,394        6,900       12,709        8,376
                                   -----------------------------------------------------------------------------
        Total annual cost.........       11,623        7,670       15,285        9,599       18,361       11,276
                                   =============================================================================
Kailua Kona, HI:
    Maintenance...................          737           58          867           67          997           73
    Insurance.....................          531          145          587          161          676          351
    Utilities.....................        2,308        2,036        2,648        2,308        2,989        2,467
    Real estate taxes.............          992  ...........        1,195  ...........        1,575  ...........
    Housing.......................       10,503        6,828       13,942        8,556       16,418       12,456
                                   -----------------------------------------------------------------------------
        Total annual cost.........       15,071        9,067       19,239       11,092       22,655       15,347
                                   =============================================================================
Kauai County, HI:
    Maintenance...................        1,103           86        1,297          100        1,492          109
    Insurance.....................          517          329          609          365          716          416
    Utilities.....................        1,876        1,657        2,151        1,876        2,425        2,004

[[Page 44157]]

 
    Real estate taxes.............          582  ...........          795  ...........          994  ...........
  Housing.........................       11,332        7,056       14,971        8,028       17,932       10,500
                                   -----------------------------------------------------------------------------
        Total annual cost.........       15,410        9,128       19,823       10,369       23,559       13,029
                                   =============================================================================
Maui County, HI:
    Maintenance...................        1,074           84        1,263           98        1,452          106
    Insurance.....................          629          307          711          349          723          390
    Utilities.....................        1,679        1,495        1,908        1,679        2,137        1,786
    Real estate taxes.............          725  ...........          920  ...........        1,062  ...........
    Housing.......................       13,193        8,100       17,390        9,600       20,583       12,420
                                   -----------------------------------------------------------------------------
        Total annual cost.........       17,300        9,986       22,192       11,726       25,957       14,702
                                   =============================================================================
Guam:
    Maintenance...................          963           75        1,133           88        1,303           95
    Insurance.....................        1,429          329        1,912          394        2,400          460
    Utilities.....................        3,103        2,720        3,582        3,103        4,061        3,327
    Real estate taxes.............          330  ...........          459  ...........          590  ...........
    Housing.......................        9,393        8,400       11,992       10,800       18,033       13,200
                                   -----------------------------------------------------------------------------
        Total annual cost.........       15,218       11,524       19,078       14,385       26,387       17,082
                                   =============================================================================
Puerto Rico:
    Maintenance...................          538           42          633           49          728           53
    Insurance.....................          497          247          778          297        1,163          323
    Utilities.....................        2,031        1,797        2,325        2,031        2,618        2,168
    Real estate taxes.............           46  ...........          708  ...........        1,611  ...........
    Housing.......................        5,181        7,356        7,232        9,300       10,978       14,856
                                   -----------------------------------------------------------------------------
        Total annual cost.........        8,293        9,442       11,676       11,677       17,098       17,400
                                   =============================================================================
St. Croix, VI:
    Maintenance...................          491           38          577           45          664           48
    Insurance.....................        1,195          684        1,472          772        2,797          890
    Utilities.....................        1,371        1,237        1,539        1,371        1,707        1,449
    Real estate taxes.............          283  ...........          548  ...........        1,261  ...........
    Housing.......................        6,496        5,928        9,562        8,328       14,467       10,200
                                   -----------------------------------------------------------------------------
        Total annual cost.........        9,836        7,887       13,698       10,516       20,896       12,587
                                   =============================================================================
St. Thomas, VI:
    Maintenance...................          542           42          638           49          733           53
    Insurance.....................        3,213          700        2,777          822        3,759          890
    Utilities.....................        1,372        1,237        1,539        1,372        1,707        1,450
    Real estate taxes.............        1,490  ...........        1,188  ...........        1,777  ...........
    Housing.......................       11,102        7,956       14,215       10,800       16,080       14,556
                                   -----------------------------------------------------------------------------
        Total annual cost.........       17,719        9,935       20,357       13,043       24,056       16,949
                                   =============================================================================
Washington, DC (DC):
    Maintenance...................          611           48          719           56          827           60
    Insurance.....................          252          127          350          161          800          136
    Utilities.....................        2,432        2,144        2,791        2,432        3,151        2,599
    Real estate taxes.............          334  ...........          591  ...........        1,984  ...........
    Housing.......................        5,577        5,868        8,242        8,340       18,019       15,300
                                   -----------------------------------------------------------------------------
        Total annual cost.........        9,206        8,187       12,693       10,989       24,781       18,095
                                   =============================================================================
Washington, DC (MD):
    Maintenance...................          611           48          719           56          827           60
    Insurance.....................          212          145          294          159          302          148
    Utilities.....................        2,040        1,800        2,340        2,040        2,641        2,180
    Real estate taxes.............        1,175  ...........        2,059  ...........        2,147  ...........
    Housing.......................        6,700        7,068       11,078        8,868       13,373       15,300
                                   -----------------------------------------------------------------------------
        Total annual cost.........       10,738        9,061       16,490       11,123       19,290       17,688
                                   =============================================================================
Washington, DC (VA):
    Maintenance...................          611           48          719           56          827           60
    Insurance.....................          226          126          282          141          358          156

[[Page 44158]]

 
    Utilities.....................        2,401        2,122        2,749        2,401        3,097        2,563
    Real estate taxes.............        1,410  ...........        1,978  ...........        2,462  ...........
    Housing.......................        7,171        7,536       10,032       11,748       14,484       17,100
                                   -----------------------------------------------------------------------------
        Total annual cost.........       11,819        9,832       15,760       14,346       21,228       19,879
----------------------------------------------------------------------------------------------------------------


                                                            Housing Cost Analysis--Composites
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                            Annual costs
                                                                           -----------------------------------------------------------------------------
                           Location                              Weights          Lower income              Middle income             Upper income
                                                                           -----------------------------------------------------------------------------
                                                                               Owner        Renter       Owner        Renter       Owner        Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Hilo, HI.....................................................        75.81      $11,623       $7,670      $15,285       $9,599      $18,361      $11,276
Kailua Kona, HI..............................................        24.19       15,071        9,067       19,239       11,092       22,655       15,347
                                                              ------------------------------------------------------------------------------------------
    Total weight.............................................       100.00  ...........  ...........  ...........  ...........  ...........  ...........
                                                              ------------------------------------------------------------------------------------------
    Hawaii County, HI........................................  ...........       12,457        8,008       16,241        9,960       19,400       12,261
                                                              ==========================================================================================
St. Croix, VI................................................        48.26        9,836        7,887       13,698       10,516       20,896       12,587
St. Thomas, VI...............................................        51.74       17,719        9,935       20,357       13,043       24,056       16,949
                                                              ------------------------------------------------------------------------------------------
    Total weight.............................................       100.00  ...........  ...........  ...........  ...........  ...........  ...........
Virgin Islands...............................................  ...........       13,915        8,947       17,143       11,823       22,531       14,844
                                                              ==========================================================================================
                                                                           =============================================================================
Washington, DC, DC...........................................        33.34        9,206        8,187       12,693       10,989       24,781       18,095
Washington, DC, MD...........................................        33.33       10,738        9,061       16,490       11,123       19,290       17,688
Washington, DC, VA...........................................        33.33       11,819        9,832       15,760       14,346       21,228       19,879
                                                              ------------------------------------------------------------------------------------------
    Total weight.............................................       100.00  ...........  ...........  ...........  ...........  ...........  ...........
                                                                           -----------------------------------------------------------------------------
    DC area..................................................                    10,588        9,027       14,981       12,153       21,767       18,554
--------------------------------------------------------------------------------------------------------------------------------------------------------

Appendix 13--Housing Analysis

----------------------------------------------------------------------------------------------------------------
                                                    Owners                                Renters
                                   -----------------------------------------------------------------------------
                                       Total      Total cost                  Total      Total cost
                                    annual cost    DC area       Index     annual cost    DC area       Index
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    Lower income..................      $10,660      $10,588       100.68       $8,775       $9,027        97.21
    Middle income.................       13,796       14,981        92.09       10,312       12,153        84.85
    Upper income..................       16,723       21,767        76.83       14,617       18,554        78.78
Fairbanks, AK:
    Lower income..................       10,453       10,588        98.72        8,916        9,027        98.77
    Middle income.................       13,720       14,981        91.58       11,428       12,153        94.03
    Upper income..................       16,195       21,767        74.40       13,929       18,554        75.07
Juneau, AK:
    Lower income..................       12,385       10,588       116.97       11,167        9,027       123.71
    Middle income.................       15,375       14,981       102.63       13,138       12,153       108.10
    Upper income..................       18,007       21,767        82.73       17,335       18,554        93.43
Nome, AK:
    Lower income..................       11,885       10,588       112.25       12,482        9,027       138.27
    Middle income.................       15,614       14,981       104.23       14,378       12,153       118.31
    Upper income..................       18,974       21,767        87.17       16,080       18,554        86.67
Honolulu, HI:
    Lower income..................       19,268       10,588       181.98       10,634        9,027       117.80
    Middle income.................       25,337       14,981       169.13       13,003       12,153       106.99
    Upper income..................       37,253       21,767       171.14       18,844       18,554       101.56
Hawaii County, HI:
    Lower income..................       12,457       10,588       117.65        8,008        9,027        88.71
    Middle income.................       16,241       14,981       108.41        9,960       12,153        81.96
    Upper income..................       19,400       21,767        89.13       12,261       18,554        66.08
Kauai County, HI:
    Lower income..................       15,410       10,588       145.54        9,128        9,027       101.12
    Middle income.................       19,823       14,981       132.32       10,369       12,153        85.32
    Upper income..................       23,559       21,767       108.23       13,029       18,554        70.22

[[Page 44159]]

 
Maui County, HI:
    Lower income..................       17,300       10,588       163.39        9,986        9,027       110.62
    Middle income.................       22,192       14,981       148.13       11,726       12,153        96.49
    Upper income..................       25,957       21,767       119.25       14,702       18,554        79.24
Guam:
    Lower income..................       15,218       10,588       143.73       11,524        9,027       127.66
    Middle income.................       19,078       14,981       127.35       14,385       12,153       118.37
    Upper income..................       26,387       21,767       121.22       17,082       18,554        92.07
Puerto Rico:
    Lower income..................        8,293       10,588        78.32        9,442        9,027       104.60
    Middle income.................       11,676       14,981        77.94       11,677       12,153        96.08
    Upper income..................       17,098       21,767        78.55       17,400       18,554        93.78
Virgin Islands:
    Lower income..................       13,915       10,588       131.42        8,947        9,027        99.11
    Middle income.................       17,143       14,981       114.43       11,823       12,153        97.28
    Upper income..................       22,531       21,767       103.51       14,844       18,554        80.00
----------------------------------------------------------------------------------------------------------------

Appendix 14--Private Transportation Cost Analysis

------------------------------------------------------------------------
                                                Annual costs
                                  --------------------------------------
                                   Honda Civic  Ford Taurus   Chevrolet
             Category               1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                     DX 4 dr      GL 4 dr     4.3L 6 cyl
                                      sedan        sedan      4 WD 2 dr
------------------------------------------------------------------------
Anchorage, AK:
    Fuel.........................         $762       $1,143       $1,429
    Maintenance/oil..............          728          695          657
    Tires........................          123          163          152
    License and registration.....           69           69           74
    Miscellaneous tax............           50           50           50
    Depreciation.................        2,167        3,595        4,111
    Finance expense..............          687          875        1,023
    Insurance....................        1,321        1,247        1,491
                                  --------------------------------------
        Total annual cost........        5,907        7,837        8,987
                                  ======================================
Fairbanks, AK:
    Fuel.........................          739        1,109        1,386
    Maintenance/oil..............          915          916          829
    Tires........................           97          131          160
    License and registration.....           74           74           79
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,457        3,556        4,535
    Finance expense..............          724          861        1,078
    Insurance....................        1,336        1,271        1,477
                                  --------------------------------------
        Total annual cost........        6,342        7,918        9,544
                                  ======================================
Juneau, AK:
    Fuel.........................          813        1,220        1,525
    Maintenance/oil..............          756          758          771
    Tires........................          112          151          154
    License and registration.....           44           44           49
    Miscellaneous tax............            0            0            0
    Depreciation.................        1,954        3,390        4,043
    Finance expense..............          636          821          985
    Insurance....................          981          966        1,064
                                  --------------------------------------
        Total annual cost........        5,296        7,350        8,591
                                  ======================================
Nome, AK:
    Fuel.........................        1,264        1,897        2,371
    Maintenance/oil..............          796          774          708
    Tires........................          124          159          169
    License and registration.....           44           44           49
    Miscellaneous tax............            0            0            0
    Depreciation.................        3,013        4,190        5,218
    Finance expense..............          784          928        1,145
    Insurance....................        1,202        1,244        1,656
                                  --------------------------------------

[[Page 44160]]

 
        Total annual cost........        7,227        9,236       11,316
                                  ======================================
Honolulu, HI:
    Fuel.........................          802        1,202        1,503
    Maintenance/oil..............          626          581          571
    Tires........................          112          147            0
    License and registration.....          103          118          128
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,665        3,871        5,194
    Finance expense..............          947        1,139        1,476
    Insurance....................        1,197        1,146        1,326
                                  --------------------------------------
        Total annual cost........        6,452        8,204       10,198
                                  ======================================
Hilo, HI:
    Fuel.........................          955        1,433        1,791
    Maintenance/oil..............          513          500          505
    Tires........................           85          163          175
    License and registration.....           75           86          110
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,415        3,261        4,790
    Finance expense..............          967        1,099        1,503
    Insurance....................        1,189        1,226        1,455
                                  --------------------------------------
        Total annual cost........        6,199        7,768       10,329
                                  ======================================
Kailua Kona, HI:
    Fuel.........................          928        1,393        1,741
    Maintenance/oil..............          660          662          666
    Tires........................          100          154          131
    License and registration.....           95          105          129
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,353        3,660        4,855
    Finance expense..............          921        1,140        1,464
    Insurance....................        1,684        1,663        1,783
                                  --------------------------------------
        Total annual cost........        6,741        8,777       10,769
                                  ======================================
Kauai, HI:
    Fuel.........................          866        1,299        1,623
    Maintenance/oil..............          674          710          615
    Tires........................          123          160          204
    License and registration.....           72           82           87
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,634        3,559        4,984
    Finance expense..............        1,027        1,178        1,566
    Insurance....................        1,110        1,141        1,279
                                  --------------------------------------
        Total annual cost........        6,506        8,129       10,358
                                  ======================================
Maui, HI:
    Fuel.........................          893        1,339        1,674
    Maintenance/oil..............          685          714          612
    Tires........................          138          183          181
    License and registration.....           82           97          105
    Miscellaneous tax............            0            0            0
    Depreciation.................        1,989        3,366        5,242
    Finance expense..............          880        1,120        1,595
    Insurance....................        1,115        1,151        1,369
                                  --------------------------------------
        Total annual cost........        5,782        7,970       10,778
                                  ======================================
Guam:
    Fuel.........................          956        1,434        1,792
    Maintenance/oil..............          472          501          569
    Tires........................          112          195          134
    License and registration.....           36           41           43
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,228        4,047        4,552
    Finance expense..............          928        1,259        1,454

[[Page 44161]]

 
    Insurance....................        1,326        1,794        1,763
                                  --------------------------------------
        Total annual cost........        6,058        9,271       10,307
                                  ======================================
Puerto Rico:
    Fuel.........................          534          800        1,000
    Maintenance/oil..............          334          351          450
    Tires........................          111          159          152
    License and registration.....          304          329          342
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,215        4,002        5,804
    Finance expense..............          858        1,158        1,584
    Insurance....................        1,482        1,702        2,024
                                  --------------------------------------
        Total annual cost........        5,838        8,501       11,356
                                  ======================================
St. Croix, VI:
    Fuel.........................          688        1,031        1,289
    Maintenance/oil..............          447          409          485
    Tires........................           80          160          142
    License and registration.....           69           78           90
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,198        3,565        4,629
    Finance expense..............          899        1,132        1,434
    Insurance....................        1,754        1,723        1,998
                                  --------------------------------------
        Total annual cost........        6,135        8,098       10,067
                                  ======================================
St. Thomas, VI:
    Fuel.........................          739        1,108        1,385
    Maintenance/oil..............          558          561          614
    Tires........................          102          146          126
    License and registration.....           69           78           90
    Miscellaneous tax............            0            0            0
    Depreciation.................        2,749        3,537        5,463
    Finance expense..............          930        1,038        1,474
    Insurance....................        1,810        1,728        1,877
                                  --------------------------------------
        Total annual cost........        6,957        8,196       11,029
                                  ======================================
Washington, DC (DC):
    Fuel.........................          545          817        1,021
    Maintenance/oil..............          404          379          346
    Tires........................          133          115           81
    License and registration.....          109          109          142
    Miscellaneous tax............            0            0            0
    Depreciation.................        1,866        3,243        4,143
    Finance expense..............          599          767          960
    Insurance....................        1,409        1,296        1,508
                                  --------------------------------------
        Total annual cost........        5,065        6,726        8,201
                                  ======================================
Washington, DC (MD):
    Fuel.........................          537          805        1,006
    Maintenance/oil..............          409          387          340
    Tires........................           86          112          111
    License and registration.....           83           83           97
    Miscellaneous tax............            0            0            0
    Depreciation.................        1,865        3,248        4,845
    Finance expense..............          587          753        1,040
    Insurance....................        1,171        1,120        1,348
                                  --------------------------------------
        Total annual cost........        4,738        6,508        8,787
                                  ======================================
Washington, DC (VA):
    Fuel.........................          506          760          949
    Maintenance/oil..............          386          386          385
    Tires........................           64           94          110
    License and registration.....           37           37           37
    Miscellaneous tax............          556          626          878

[[Page 44162]]

 
    Depreciation.................        1,892        3,173        3,969
    Finance expense..............          609          766          946
    Insurance....................          827          740          922
                                  --------------------------------------
        Total annual cost........        4,877        6,582        8,196
------------------------------------------------------------------------


                                Private Transportation Cost Analysis--Composites
----------------------------------------------------------------------------------------------------------------
                                                                                        Annual costs
                                                                          --------------------------------------
                                                                           Honda Civic  Ford Taurus   Chevrolet
                          Location                              Weights     1.5L 4 cyl   3.0L 6 cyl   S10 Blazer
                                                                             DX 4 dr      GL 4 dr     4.3L 6 cyl
                                                                              sedan        sedan      4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Hilo, HI....................................................        75.81       $6,199       $7,768      $10,329
Kailua Kona, HI.............................................        24.19        6,741        8,777       10,769
                                                             ---------------------------------------------------
    Total weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Hawaii County, HI.......................................          N/A        6,330        8,012       10,435
                                                             ===================================================
St. Croix, VI...............................................        48.26        6,135        8,098       10,067
St. Thomas, VI..............................................        51.74        6,957        8,196       11,029
                                                             ---------------------------------------------------
    Total weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Virgin Islands..........................................          N/A        6,560        8,149       10,565
                                                             ===================================================
Washington, DC, DC..........................................        33.34        5,065        6,726        8,201
Washington, DC, MD..........................................        33.33        4,738        6,508        8,787
Washington, DC, VA..........................................        33.33        4,877        6,582        8,196
                                                             ---------------------------------------------------
    Total weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    DC area.................................................          N/A        4,893        6,605        8,395
----------------------------------------------------------------------------------------------------------------

Appendix 15--Auto Insurance Calculation Worksheet--Special Limits 
Adjustments

------------------------------------------------------------------------
                                      Honda         Ford        Chevy
------------------------------------------------------------------------
Guam:
    Average Local Insurance Price     1,288.67     1,739.33     1,718.67
    Price of Equivalent Reference     1,113.04     1,030.85     1,255.59
     Area Coverage...............
    Index........................       115.78       168.73       136.88
    Price of Reference Area UM           32.57        32.57        32.57
     100/300 Coverage............
    Estimated Local Equivalent UM        37.71        54.96        44.58
     Coverage....................
    Adjusted Local Insurance          1,326.38     1,794.29     1,763.25
     Price.......................
                                  --------------------------------------
Puerto Rico:
    Average Local Insurance Price     1,439.67     1,650.00     1,972.40
    Price of Equivalent Reference     1,113.04     1,030.85     1,255.59
     Area Coverage...............
    Index........................       129.35       160.06       157.09
    Price of Reference Area UM           32.57        32.57        32.57
     100/300 Coverage............
    Estimated Local Equivalent UM        42.13        52.13        51.16
     Coverage....................
    Adjusted Local Insurance          1,481.80     1,702.13     2,023.56
     Price.......................
                                  --------------------------------------
St. Croix:
    Average Local Insurance Price     1,516.68     1,484.76     1,746.28
    Price of Equivalent Reference       990.67       916.48     1,125.90
     Area Coverage...............
    Index........................       153.10       162.01       155.10
    Price of Specified Reference      1,145.61     1,063.42     1,288.16
     Area Coverage...............
    Adjusted Local Insurance          1,753.93     1,722.85     1,997.94
     Price.......................
                                  --------------------------------------
St. Thomas:
    Average Local Insurance Price     1,565.09     1,489.16     1,640.52
    Price of Equivalent Reference       990.67       916.48      1125.90
     Area Coverage...............
    Index........................       157.98       162.49       145.71
    Price of Specified Reference      1,145.61     1,063.42     1,288.16
     Area Coverage...............

[[Page 44163]]

 
    Adjusted Local Insurance          1,809.83     1,727.95    1,876.98
     Price.......................
------------------------------------------------------------------------
Note: Special adjustments were required for Guam, Puerto Rico, and U.S.
  Virgin Islands automobile insurance prices because the coverage
  available was significantly less than that surveyed in the other
  locations. In Guam and Puerto Rico, uninsured motorist (UM) coverage
  had significantly lower coverage or was not available. For both areas,
  we compared the average price of the local policy with the average
  price of equivalent coverage in the DC area and computed an index. We
  used that index to adjust the price of the DC area specified UM
  coverage, which we then added to the average local prices. In the U.S.
  Virgin Islands, all coverage (bodily injury, property damage, medical,
  collision, and comprehensive) was significantly less than that priced
  elsewhere. For these areas, we compared the average price of the local
  policy with equivalent coverage in the DC area and computed an index.
  We used that index to adjust the price of the DC specified coverage.

Appendix 16--Air Fares Cost Analysis

------------------------------------------------------------------------
                                     Average
                                    allowance    Average DC
             Location                area air     area air      Index
                                      fares        fares
------------------------------------------------------------------------
Anchorage, AK....................         $519         $240       216.25
Fairbanks, AK....................          691          240       287.92
Juneau, AK.......................          663          240       276.25
Nome, AK.........................        1,161          240       483.75
Honolulu, HI.....................          727          240       302.92
Hawaii County, HI................          907          240       377.92
Kauai, HI........................          907          240       377.92
Maui, HI.........................          859          240       357.92
Guam.............................        1,277          240       532.08
Puerto Rico......................          448          240       186.67
Virgin Islands...................          685          240       285.42
------------------------------------------------------------------------


                          Air Fares--Composites
------------------------------------------------------------------------
                   Location                       Weights       Costs
------------------------------------------------------------------------
Hilo, HI......................................        75.81         $907
Kailua Kona, HI...............................        24.19          907
                                               -------------------------
    Total.....................................       100.00  ...........
                                               -------------------------
    Hawaii County, HI cost....................  ...........          907
                                               =========================
St. Croix, VI.................................        48.26          682
St. Thomas, VI................................        51.74          688
                                               -------------------------
    Total.....................................       100.00  ...........
                                               -------------------------
    Virgin Islands cost.......................  ...........          685
------------------------------------------------------------------------

Appendix 17--Transportation Analysis

------------------------------------------------------------------------
                                      Total      Total cost
                                   annual cost    DC area       Index
------------------------------------------------------------------------
Anchorage, AK:
    1. Honda Civic DX 4 dr sdn          $5,907       $4,893       120.72
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         7,837        6,605       118.65
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr         8,987        8,395       107.05
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       115.47
                                  ======================================
Fairbanks, AK:
    1. Honda Civic DX 4 dr sdn           6,342        4,893       129.61
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         7,918        6,605       119.88
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr         9,544        8,395       113.69
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       121.06
                                  ======================================
Juneau, AK:
    1. Honda Civic DX 4 dr sdn           5,296        4,893       108.24
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         7,350        6,605       111.28
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr         8,591        8,395       102.33
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       107.28
                                  ======================================
Nome, AK:
    1. Honda Civic DX 4 dr sdn           7,227        4,893       147.70
     1.5L 4 cyl..................

[[Page 44164]]

 
    2. Ford Taurus GL 4 dr sedan         9,236        6,605       139.83
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        11,316        8,395       134.79
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       140.77
                                  ======================================
Honolulu, HI:
    1. Honda Civic DX 4 dr sdn           6,452        4,893       131.86
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         8,204        6,605       124.21
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        10,198        8,395       121.48
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........      1125.85
                                  ======================================
Hawaii County, HI:
    1. Honda Civic DX 4 dr sdn           6,330        4,893       129.37
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         8,012        6,605       121.30
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        10,435        8,395       124.30
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       124.99
                                  ======================================
Kauai County, HI:
    1. Honda Civic DX 4 dr sdn           6,506        4,893       132.97
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         8,129        6,605       123.07
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        10,358        8,395       123.38
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       126.47
                                  ======================================
Maui County, HI:
    1. Honda Civic DX 4 dr sdn           5,782        4,893       118.17
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         7,970        6,605       120.67
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        10,778        8,395       128.39
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       122.41
                                  ======================================
Guam:
    1. Honda Civic DX 4 dr sdn           6,058        4,893       123.82
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         9,271        6,605       140.37
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        10,307        8,395       122.78
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       128.99
                                  ======================================
Puerto Rico:
    1. Honda Civic DX 4 dr sdn           5,838        4,893       119.31
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         8,501        6,605       128.71
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        11,356        8,395       135.27
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       127.76
                                  ======================================
Virgin Islands:
    1. Honda Civic DX 4 dr sdn           6,560        4,893       134.07
     1.5L 4 cyl..................
    2. Ford Taurus GL 4 dr sedan         8,149        6,605       123.38
     3.0L 6 cyl..................
    3. Chevy S10 Blazer 4WD 2 dr        10,565        8,395       125.85
     4.3L 6 cyl..................
                                  --------------------------------------
        Average index............  ...........  ...........       127.77
------------------------------------------------------------------------

Appendix 18--Transportation Summary

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                                                                 Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    Private transportation...................................       115.47        95.22       109.95        94.57       109.20        93.97       108.51
    Air fares and other transportation expenses..............       216.25         4.78        10.34         5.43        11.74         6.03        13.04
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       120.29  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       120.94  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       121.55
                                                              ==========================================================================================
Fairbanks, AK:
    Private transportation...................................       121.06        95.22       115.27        94.57       114.49        93.97       113.76

[[Page 44165]]

 
    Air fares and other transportation expenses..............       287.92         4.78        13.76         5.43        15.63         6.03        17.36
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       129.03  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       130.12  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       131.12
                                                              ==========================================================================================
Juneau, AK:
    Private transportation...................................       107.28        95.22       102.15        94.57       101.45        93.97       100.81
    Air fares and other transportation expenses..............       276.25         4.78        13.20         5.43        15.00         6.03        16.66
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       115.35  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       116.45  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       117.47
                                                              ==========================================================================================
Nome, AK:
    Private transportation...................................       140.77        95.22       134.04        94.57       133.13        93.97       132.28
    Air fares and other transportation expenses..............       483.75         4.78        23.12         5.43        26.27         6.03        29.17
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       157.16  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       159.40  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       161.45
                                                              ==========================================================================================
Honolulu, HI:
    Private transportation...................................       125.85        95.22       119.83        94.57       119.02        93.97       118.26
    Air fares and other transportation expenses..............       302.92         4.78        14.48         5.43        16.45         6.03        18.27
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       134.31  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       135.47  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       136.53
                                                              ==========================================================================================
Hawaii County, HI:
    Private transportation...................................       124.99        95.22       119.02        94.57       118.20        93.97       117.45
    Air fares and other transportation expenses..............       377.92         4.78        18.06         5.43        20.52         6.03        22.79
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:.......................................
            Lower............................................  ...........  ...........       137.08  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       138.72  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       140.24
                                                              ==========================================================================================
Kauai County, HI:
    Private transportation...................................       126.47        95.22       120.42        94.57       119.60        93.97       118.84
    Air fares and other transportation expenses..............       377.92         4.78        18.06         5.43        20.52         6.03        22.79
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:.......................................
            Lower............................................  ...........  ...........       138.48  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       140.12  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       141.63
                                                              ==========================================================================================
Maui County, HI:
    Private transportation...................................       122.41        95.22       116.56        94.57       115.76        93.97       115.03

[[Page 44166]]

 
    Air fares and other transportation expenses..............       357.92         4.78        17.11         5.43        19.44         6.03        21.58
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       133.67  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       135.20  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       136.61
                                                              ==========================================================================================
Guam:
    Private transportation...................................       128.99        95.22       122.82        94.57       121.99        93.97       121.21
    Air fares and other transportation expenses..............       532.08         4.78        25.43         5.43        28.89         6.03        32.08
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       148.25  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       150.88  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       153.29
                                                              ==========================================================================================
Puerto Rico:
    Private transportation...................................       127.76        95.22       121.65        94.57       120.82        93.97       120.06
    Air fares and other transportation expenses..............       186.67         4.78         8.92         5.43        10.14         6.03        11.26
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       130.57  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       130.96  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       131.32
                                                              ==========================================================================================
Virgin Islands:
    Private transportation...................................       127.77        95.22       121.66        94.57       120.83        93.97       120.07
    Air fares and other transportation expenses..............       285.42         4.78        13.64         5.43        15.50         6.03        17.21
                                                              ------------------------------------------------------------------------------------------
        Total weights........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
        Total indexes:
            Lower............................................  ...........  ...........       135.30  ...........  ...........  ...........  ...........
            Middle...........................................  ...........  ...........  ...........  ...........       136.33  ...........  ...........
            Upper............................................  ...........  ...........  ...........  ...........  ...........  ...........       137.28
--------------------------------------------------------------------------------------------------------------------------------------------------------

Appendix 19--Miscellaneous Expense Analysis--Category Development

----------------------------------------------------------------------------------------------------------------
                                                  Price  DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    Medicalcare...................  ...........  ...........  ...........  ...........  ...........       113.31
    Non-aspirin pain reliever.....        $7.35        $6.95         1.06         5.34         5.65  ...........
    Tetracycline..................         7.91         7.03         1.13        11.83        13.31  ...........
    Dentist clean/check...........       158.33       103.26         1.53        15.51        23.78  ...........
    Doctor office visit...........        66.67        58.86         1.13        11.39        12.90  ...........
    Hospital room.................       748.00       625.35         1.20         2.89         3.46  ...........
    Health Insurance..............     1,275.77     1,232.98         1.03        47.72        49.38  ...........
    Contact Lenses................       167.33       185.77         0.90         5.32         4.79  ...........
Fairbanks, AK:
    Medical care..................  ...........  ...........  ...........  ...........  ...........       116.20
    Non-aspirin pain reliever.....         6.70         6.95         0.96         5.34         5.15  ...........
    Tetracycline..................         8.55         7.03         1.22        11.83        14.38  ...........
    Dentist clean/check...........       173.67       103.26         1.68        15.51        26.09  ...........
    Doctor office visit...........        71.67        58.86         1.22        11.39        13.87  ...........
    Hospital room.................       637.00       625.35         1.02         2.89         2.94  ...........
    Health Insurance..............     1,250.20     1,232.98         1.01        47.72        48.39  ...........
    Contact Lenses................       188.00       185.77         1.01         5.32         5.38  ...........
Juneau, AK:
    Medical care..................  ...........  ENT