[Federal Register: November 29, 1995 (Volume 60, Number 229)] [Notices ] [Page 61331-61417] From the Federal Register Online via GPO Access [wais.access.gpo.gov] [DOCID:fr29no95-93] [[Page 61331]] _______________________________________________________________________ Part III Office of Personnel Management _______________________________________________________________________ Report on Summer 1994 Surveys Used To Determine Cost-of-Living Allowances in Selected Nonforeign Areas; Notice [[Page 61332]] OFFICE OF PERSONNEL MANAGEMENT Report on Summer 1994 Surveys Used To Determine Cost-of-Living Allowances in Selected Nonforeign Areas AGENCY: Office of Personnel Management. ACTION: Notice. ----------------------------------------------------------------------- SUMMARY: This notice publishes the ``Report to OPM on Living Costs in Hawaii, Guam and the Commonwealth of the Northern Mariana Islands, Puerto Rico, United States Virgin Islands, and in the Washington, DC, Area, August 25, 1995,'' prepared by Jack Faucett Associates under Government contract OPM-94-BP-3816. DATES: Comments must be received on or before January 29, 1996. ADDRESSES: Send or deliver comments to Allan G. Hearne, Salary Systems Division, Office of Compensation Policy, Human Resources Systems Service, Office of Personnel Management, Room 6H31, 1900 E Street NW., Washington, DC 20415, or FAX to (202) 606-4264. FOR FURTHER INFORMATION CONTACT: Allan G. Hearne, (202) 606-2838. SUPPLEMENTARY INFORMATION: Sections 591.205(d) and 591.206(c) of title 5, Code of Federal Regulations, require that nonforeign area cost-of- living allowance (COLA) survey summaries and calculations be published in the Federal Register. Accordingly, OPM is publishing the complete ``Report to OPM on Living Costs in Hawaii, Guam and the Commonwealth of the Northern Mariana Islands, Puerto Rico, United States Virgin Islands, and in the Washington, DC, Area, August 25, 1995,'' produced by Jack Faucett Associates under contract with OPM. This report explains in detail the methodologies, calculations, and findings of the summer 1994 living-cost surveys. Survey Results. Jack Faucett Associates computed index values of relative living costs in the allowance areas using an index scale where the living costs in the Washington, DC, area equal 100. (See the Executive Summary of the report.) OPM notes that the summer survey indices showed that the COLA rates for all of the allowance areas are above levels warranted by the indices. However, the Treasury, Postal Service and General Government Appropriations Act, 1992 (Pub. L. 102- 141), as amended, prohibits reductions in COLA rates through December 31, 1996. Therefore, OPM is not proposing any adjustments in the COLA rates in these allowance areas at this time. Office of Personnel Management. James B. King, Director. Report to OPM on Living Costs in Hawaii, Guam and the Commonwealth of the Northern Mariana Islands, Puerto Rico, United States Virgin Islands, and in the Washington, DC, Area August 1995. Table of Contents Executive Summary 1. Introduction 1.1 Report Objectives 1.2 Changes in This Year's Survey 1.2.1 Three-Year CES Moving Average 1.2.2 New Living Communities 1.2.3 Historical Housing Data 1.3 Pricing Period 2. The COLA Model 2.1 Measurement of Living-Cost Differences 2.2 Step 1: Identifying the Target Population 2.2.1 Federal Salaries 2.2.2 Federal Employment Weights 2.3 Step 2: Estimating How People Spend Their Money 2.3.1 Consumer Expenditure Survey (CES) 2.3.2 Expenditure Categories and Components 2.4 Step 3: Selecting Items and Outlets 2.4.1 Item Selections--The Marketbasket 2.4.2 Geographic Coverage and Outlet Selection 2.4.2.1 Geographic Areas 2.4.2.2 Similarity of Outlets 2.4.2.3 Catalog Pricing 2.5 Step 4: Surveying Prices 2.5.1 In-House Research Staff 2.5.2 Field Researchers ``Research Associates'' 2.5.3 Data Collection Materials 2.5.4 Inclusion of Sales and Excise Taxes 2.5.5 JFA's Onsite Visits 2.5.6 Special Considerations in Selected Areas 2.5.6.1 Pricing Surveys in Hawaii County, Puerto Rico, and the Virgin Islands 2.5.6.2 Surveying the Washington, D.C., Area 2.6 Step 5: Analyzing Data and Computing Indexes 2.6.1 General Formulae 2.6.1.1 Indexes 2.6.1.2 Item Weights 2.6.1.3 Category and Component Weights 2.6.2 Computing the Overall Index 3. Consumption Goods and Services 3.1 Categories and Category Weights 3.2 Goods and Services Data Collection--Special Considerations 3.2.1 Exchange and Commissary Expenditure Research 3.2.2 Restaurant Pricing 3.3 Goods and Services Survey Results 4. Housing 4.1 Component Overview 4.2 Housing Model 4.2.1 Expenditure Research 4.2.2 Housing Profiles 4.2.3 Living Community Selection 4.2.4 Housing-Related Expenses 4.2.4.1 Utilities 4.2.4.2 Real Estate Taxes 4.2.4.3 Owners/Renters Insurance 4.2.4.4 Home Maintenance 4.2.4.5 Telephone 4.3 Housing Data Collection Procedures 4.3.1 Homeowner Data Collection 4.3.2 Renter Data Collection 4.4 Housing Analysis 4.4.1 Homeowner Data Analysis 4.4.2 Rental Data Analysis 4.5 Housing Survey Results 5. Transportation 5.1 Component Overview 5.2 Private Transportation Methodology 5.2.1 Vehicle Selection and Pricing 5.2.2 Vehicle Trade Cycle 5.2.3 Fuel Performance and Type 5.2.3.1 Impact of Temperature Upon Fuel Performance 5.2.3.2 Impact of Road Surface Upon Fuel Performance 5.2.3.3 Impact of Gradient Upon Fuel Performance 5.2.3.4 Overall Impact Upon Fuel Performance 5.2.4 Vehicle Maintenance 5.2.5 Tires 5.2.6 License and Registration Fees, and Miscellaneous Tax 5.2.7 Depreciation 5.2.8 Finance Expense 5.2.9 Vehicle Insurance 5.2.10 Overall Annual Costs 5.3 Other Transportation Costs--Air Fares 5.4 Transportation Component Analyses 6. Miscellaneous Expenses 6.1 Component Overview 6.2 Component Weights 6.3 Component Categories 6.3.1 Medical Expense Category 6.3.2 Contributions Category 6.3.3 Personal Insurance and Retirement Category 6.4 Miscellaneous Expense Analyses 7. Final Results 7.1 Total Comparative Cost Indexes List of Appendices Appendix 1: Publication in the Federal Register of Results of Nonforeign Area Living-Cost Surveys: 1990-1994 Appendix 2: Federal Employment Weights Appendix 3: Consumer Expenditure Surveys (CES) Item Weights Appendix 4: CES Category and Component Weights Appendix 5: Item Descriptions Appendix 6: Pricing Changes Appendix 7: OMB-Approved Survey Materials Appendix 8: Consumption Goods and Services Analysis Appendix 9: OPM Living Community List Appendix 10: Historical Home Market Values and Interest Rates Appendix 11: Historical Housing Data Appendix 12: Rental Data Analyses Appendix 13: Housing Cost Analysis Appendix 14: Housing Analysis Appendix 15: Private Transportation Cost Analysis [[Page 61333]] Appendix 16: Auto Insurance Calculation Worksheet Appendix 17: Air Fares and Other Transportation Expenses Cost Analysis Appendix 18: Transportation Analysis Appendix 19: Miscellaneous Expense Analysis Appendix 20: Final Indexes Executive Summary This report provides the results of the summer 1994 living-cost surveys and compares living costs in certain Pacific and Caribbean nonforeign cost-of-living allowance (COLA) areas relative to the Washington, DC, area. The surveys and analyses were conducted by Jack Faucett Associates (JFA), an economics consulting firm located in Bethesda, Maryland, and its subcontractor, Runzheimer International, a Wisconsin-based firm specializing in the collection and analysis of cost-of-living information. The study was conducted for the Office of Personnel Management (OPM) under contract OPM-94-BP-3816. The contract requires JFA to: (1) Survey living costs in seven allowance areas and in the Washington, DC, area, and (2) Compare living costs between the allowance areas and the DC area. For this study, JFA and Runzheimer researched more than 3,000 outlets and gathered more than 12,000 prices on more than 200 items representing typical consumer purchases. These prices were then combined using consumer expenditure information developed by the Bureau of Labor Statistics. The final results of the study are a series of living-cost indexes, shown in the table below, which show the living- costs in each of the allowance areas relative to the Washington, D.C., area. The index for the DC area (not shown) is 100.00 because it is, by definition, the reference area. Table E-1.--Final Cost Comparison Indexes ------------------------------------------------------------------------ Allowance area Index ------------------------------------------------------------------------ City and County of Honolulu, Hawaii.......................... 119.56 Hawaii County, Hawaii........................................ 112.56 Kauai County, Hawaii......................................... 116.35 Maui County, Hawaii.......................................... 118.84 Guam/CNMI, Local Retail...................................... 119.39 Guam/CNMI, Commissary/Exchange............................... 113.40 Puerto Rico.................................................. 99.63 U.S. Virgin Islands.......................................... 112.08 ------------------------------------------------------------------------ CNMI = Commonwealth of the Northern Mariana Islands OPM implemented a number of improvements for the summer 1994 survey. These included: --Using a moving average to introduce new weights based on the results of the Bureau of Labor Statistics Consumer Expenditure Surveys; --Using new representative income levels based on the 1994 distribution of salaries of Federal employees in the allowance areas; --Selecting new living communities based on the results of the 1992 Federal Employee Housing and Living Patterns Survey; --Incorporating historical housing data to reflect both newly purchased and previously purchased homes; --Using the median home value in place of trimming and trend analyses used in previous surveys; and --Using the Goods and Services index to reflect relative expenditures for cash contributions. These changes as well as the data collection and analysis procedures already employed in the survey are discussed in the various sections of this report. 1. Introduction 1.1 Report Objectives This comprehensive report culminates data collection and research work undertaken in summer 1994 as required by Tasks 1 and 2 of contract OPM-94-BP-3816 between the Office of Personnel Management (OPM) and Jack Faucett Associates (JFA). This report only provides the results of the summer 1994 surveys. A listing of earlier reports that provided the results of previous surveys is shown in Appendix 1. The analyses show the comparative living-cost differences between the Washington, DC, area and the following allowance areas: 1. City and County of Honolulu, Hawaii 2. Hawaii County, Hawaii 3. Kauai County, Hawaii 4. Maui County, Hawaii 5. Guam and the Commonwealth of the Northern Mariana Islands (CNMI) 6. Puerto Rico 7. U.S. Virgin Islands By law, Washington, DC, is the base or ``reference'' area for the nonforeign area cost-of-living allowance (COLA) program. The contract also required JFA to analyze living-costs of Federal civilian employees in Guam who have access to military commissaries and exchanges. Under OPM regulations, employees who have unlimited access to commissaries and exchanges because of their Federal civilian employment are paid a COLA rate that takes into consideration such purchasing privileges. These regulations do not apply to Federal employees who have limited access to commissaries and exchanges or who have access for other reasons, e.g., military dependents or retired military personnel. 1.2 Changes in This Year's Survey One of the obvious changes this year was OPM's selection of a new contractor for living-cost surveys and analyses: JFA. JFA subcontracted a substantial portion of the work to Runzheimer International, OPM's previous contractor for the COLA program. OPM directed JFA to make several changes to the survey and analyses. Some of the key changes this year included: --Using a moving average to introduce new weights based on the results of the Bureau of Labor Statistics Consumer Expenditure Surveys (CES); --Using new representative incomes based on the 1994 distribution of salaries of Federal employees in the allowance areas; --Selecting new living communities based on the results of the 1992 Federal Employee Housing and Living Patterns Survey; --Incorporating historical housing data to reflect both newly purchased and previously purchased units; --Using the median home value in place of trimming and trend analyses used in previous surveys; and --Using the Goods and Services index to reflect relative expenditures for cash contributions. Three of these changes are discussed further below. The other changes are discussed where applicable in the report. 1.2.1 Three-Year CES Moving Average One change was the introduction of a three-year moving average of CES data in calculating the weights used to combine price indexes. In prior years, expenditure weights were based on the 1988 CES, and OPM wanted to use more current CES information. Rather than simply replacing the 1988 CES data with the most recent (1992) CES data, OPM implemented a system that would allow the gradual introduction of new CES data over time, thereby reducing the impact that short-term changes in CES might have on the living-cost indexes. In future surveys, OPM plans to include current CES information and drop the oldest CES data to maintain a three-year moving average. Appendices 3 and 4 show the CES data used in this study. 1.2.2 New Living Communities Another change was the selection of new living communities based on the results of the 1992 Federal Employee Housing and Living Patterns Survey. In [[Page 61334]] that survey, employees were asked to provide their residential zip codes. OPM used this information to refine community selection. Two types of changes were made. In areas with relatively large concentrations of Federal employees and sufficient housing data, OPM selected communities to reflect the areas where Federal employees typically lived. On Oahu, for example, these changes generally resulted in the selection of communities within or close to Honolulu proper. In other areas where concentrations of Federal employees were not as evident or where obtaining a sufficient quantity of housing data had been difficult in previous surveys, OPM expanded the survey community to cover a larger area. For example, the entire island was surveyed for housing in Guam, Kauai, Maui, St. Croix, and St. Thomas. The updated list of communities is provided in Appendix 9. These are the communities in which house sales and rental rates were collected. The communities were also used to determine the normal shopping radius and the outlets at which prices were collected. 1.2.3 Historical Housing Data A third change was the incorporation of historical housing data to reflect not only the prices paid for recent home purchases but also for homes purchased in prior years. Appendix 10 shows the home market values, interest rates, and annual principal and interest payments for each area by year and income level. Appendix 11 shows how the principal and interest payments were combined using weights based on the percent of Federal employees presumed to have purchased their homes in each given year. The weights were derived from the results of the 1992 Federal Employee Housing and Living Patterns Survey. 1.3 Pricing Period The prices were collected in the allowance areas and in the Washington, D.C., area in August 1994. As with the previous surveys, the prices of some items--those dependent upon the pricing of other items--were collected slightly later (i.e., in September and October 1994) In addition, individual item prices not meeting OPM's quality control procedures were resurveyed in October and used to verify or replace the original prices. As was done in previous surveys, JFA included some catalog sales in its survey. Only catalogs that sell merchandise in both the allowance areas and the Washington, D.C. area were used. To ensure consistent seasonal catalog pricing, JFA used spring/summer catalogs for the catalog items surveyed. 2. The COLA Model 2.1 Measurement of Living-Cost Differences A common and widely accepted way to measure living-cost differences between and among locations is to select representative items that people purchase in these locations and to calculate the respective cost differences, combining them according to their importance to one another (as measured by relative percentage of expenditures). The COLA model applies this methodology to compare the living costs in each of the allowance areas with the living costs in the Washington, DC, area. Moving from this basic concept to computing comparative living costs between each allowance area and the Washington, DC, area involves five main steps: Step 1: Identify the segment of the population for which the analysis is targeted (i.e., the target population). Step 2: Estimate how these people spend their money. Step 3: Select items to represent the types of expenditures people usually make and outlets at which people typically make purchases. Step 4: Conduct pricing surveys of the selected items in each area. Step 5: Analyze cost ratios for the selected items and aggregate them according to the relative importance of each item. 2.2 Step 1: Identifying the Target Population The study estimates living-cost differences for nonmilitary Federal employees who have annual base salaries between approximately $12,000 and $87,000, the range of the General Schedule. Because living costs may vary depending on an employee's income level, living costs are analyzed at three income levels. 2.2.1 Federal Salaries To determine the appropriate income levels, OPM analyzed the 1994 distribution of salaries for all General Schedule employees in all of the allowance areas combined. OPM divided this distribution into three groups of equal size and identified the median salary in each of the groups. These values were then rounded to the nearest $100 to produce the three representative income levels of $20,800, $31,500, and $48,300. The study analyzes living costs at each of these three income levels. The results are three sets of estimated expenditures for each allowance area and for the Washington, D.C., area. To combine these estimated expenditures into a single overall index for the area, JFA used employment weights provided by OPM. 2.2.2 Federal Employment Weights As with the income levels, the OPM employment weights were derived from the distribution of General Schedule employees by salary level. Using the salary parameters identified in the income analysis described above, OPM determined the number of General Schedule employees in each salary group in each allowance area. Using a moving average similar to that used with the CES data (see section 1.2.1), OPM combined these data with the same type of information for the previous two years and calculated the percent of the General Schedule workforce in each income group in each area. These percentages were the weights that JFA used. In addition, OPM provided General Schedule employment weights to combine data in the three allowance areas in which two separate locations are surveyed. Those allowance areas are: Hawaii County, Hawaii; Puerto Rico; and the U.S. Virgin Islands. These areas are described in greater detail in section 2.5.6.1. For these areas, OPM identified the number of General Schedule employees associated with each survey location and then combined this information with similar information from the previous two years again using a moving average. The employment counts were converted to percentages representing the proportion of the General Schedule population represented by each of the survey locations. JFA used the percentages as weights to combine the survey data from each survey area. Appendix 2 shows the General Schedule employment distributions and how the percentage weights were derived. 2.3 Step 2: Estimating How People Spend Their Money 2.3.1 Consumer Expenditure Survey (CES) Expenditure patterns for employees for all areas, including the Washington, D.C., area, are based on national data from the CES. OPM obtained from the Bureau of Labor Statistics ``prepublished'' CES results for 1988, 1991, and 1992. As discussed in section 1.2.1, these three years of CES data were combined using a moving average. CES data are used in two ways: to identify appropriate items for survey [[Page 61335]] and to derive item, category, and component weights. The item weights are not income sensitive. However, aggregated CES data are analyzed by income level to derive category and component weights. These weights are income sensitive. The CES data used in this study are shown in Appendix 3 and 4. The Bureau of Labor Statistics has advised OPM that ``prepublished'' CES data may not be statistically significant. To OPM's knowledge, however, it is the only source of comprehensive consumer expenditure information by income level. Therefore, it is used in the model. 2.3.2 Expenditure Categories and Components The CES groups expenses into small, logical families of items. For example, the report divided money spent by families on beef into four groups: ground beef, roast, steak and other beef. The steak and roast groupings were further separated into smaller clusters of items (e.g., sirloin and round steak, chuck and round roast). Using the CES data, the items were sorted into the four main cost components specified in OPM regulations: Consumption Goods and Services, Transportation, Housing, and Miscellaneous Expenses. To develop weighting patterns for the three income levels, JFA performed linear regression analyses on the CES data shown in Appendix 3.\1\ These analyses produced estimated expenditures at the three income levels identified in section 2.2.1 above. JFA converted these expenditures to percentages of total expenditures for the four components to produce the values shown in the table below. The values were the weights JFA used to combine the expenditures for each of the components into an overall value for each income level in each allowance area and the Washington, D.C., area. Table 2-1.--Component Expenses Expressed as a Percentage of Total Expenses ---------------------------------------------------------------------------------- ------------------------------ Income Goods and Trans- Income level 1994 level 1991 services Housing portation Misc. Total adjusted (percent) (percent) (percent) (percent) (percent) ---------------------------------------------------------------------------------- ------------------------------ $20,800........................... $19,250 40.10 25.01 18.93 15.96 100.00 31,500............................ 29,150 39.47 23.98 18.66 17.88 100.00 48,300............................ 44,700 38.87 23.01 18.41 19.71 100.00 ---------------------------------------------------------------------------------- ------------------------------ (Values may not total because of rounding.) Goods and services items were further sorted into ten categories and linear regression techniques were used to estimate expenditures on these ten categories by income level. The weights for these categories are shown in section 3.1. The same technique was also used to compute category weights for the Transportation and Miscellaneous Components and to produce ratios of renters to homeowners at each income level. 2.4 Step 3: Selecting Items and Outlets 2.4.1 Item Selections--The Marketbasket As noted above, CES items were grouped into ``clusters'' of expenses to determine which items to survey. These clusters were chosen so that no marketbasket item would have overwhelmingly large or insignificantly small item weight. For each of these clusters, a set of items to price was identified. Collectively, these items are called a ``marketbasket.'' Because it would have been impractical to survey all of the thousands of items consumers might buy, the marketbasket contains representative items, such as cheddar cheese, that represent itself and the many other related items that consumers purchase (e.g., Edam, Gouda, Jack, Swiss, et cetera). JFA's marketbasket had more than 200 items ranging from table salt to new cars to home purchases. The items selected were representative of other similar items, commonly purchased, and readily available in all areas. For example, a 10.5-ounce can of Campbell's vegetable soup was selected for survey because it is representative of canned and packaged soups, is a commonly-purchased brand, and is found in all areas. Whenever practical, the item description included the exact brand, model, type, and size, so that exactly the same items could be priced in all areas if possible. Appendix 5 provides a list of the items surveyed and their descriptions. Changes to the item list and descriptions are an important aspect of the COLA survey. These changes are necessary to improve the survey and keep the items and descriptions current. For this survey, JFA changed several of the items or descriptions. The changes and the reasons for each are listed in Appendix 6. 2.4.2 Geographic Coverage and Outlet Selection Just as it was important to select commonly-purchased items and survey the same items in all areas, it was important to select outlets frequented by consumers and find equivalent outlets in all areas. This involved deciding which geographic areas to survey and which outlets to survey within these geographic areas. 2.4.2.1 Geographic Areas For some areas, the choice of which area(s) to survey was obvious. On St. Thomas, for example, the whole island is surveyed because St. Thomas is a relatively small island and Federal employees live throughout the island. \1\The midpoint of the moving average of CES data was 1991. Therefore, for the purposes of these regressions, OPM provided adjusted Federal salaries to reflect 1991 pay rates. OPM used the pay increases for 1992 (4.2%), 1993 (3.7%), and 1994 (0.0%) to deflate the 1994 salaries. This produced adjusted Federal salaries of $19,250, $29,150, and $44,700 for use in the regression equations. --------------------------------------------------------------------------- For other areas, those with multiple communities from which to choose, specific communities had to be identified. To do this, OPM used the results of the 1992 Federal Employee Housing and Living Patterns Survey. Among other things, that survey obtained information on where Federal employees lived. OPM used this information to select the communities in which housing costs would be priced. JFA then identified outlets within a normal shopping radius of these housing communities. 2.4.2.2 Similarity of Outlets Whenever possible, JFA selected popular outlets that were comparable to outlets in all areas. For example, JFA surveyed the price of grocery items at supermarkets in all areas because most people purchase their groceries at such stores and because supermarkets are [[Page 61336]] found in all areas.\2\ The selection of comparable outlets was particularly important because comparing the prices of items purchased at dissimilar outlets would be inappropriate (e.g., comparing the price of a box of cereal at a supermarket with one sold at a convenience store). \2\In the Washington, DC, area, JFA surveyed groceries at two kinds of supermarkets (i.e., full-service supermarkets and ``warehouse-type'' supermarkets) because both types of grocery stores are common in this area. JFA did not survey ``warehouse- type'' grocery stores in any other area because they are relatively uncommon and not frequented by most Federal employees. --------------------------------------------------------------------------- Although major supermarkets, department stores, and discount stores represented a sizable portion of the survey, JFA also selected outlets to represent the diversity of consumer shopping. For example, JFA could have used department stores for pricing all clothing items surveyed. This would not, however, have reflected the range of consumer choices. Therefore, JFA also priced some clothing items in men's and women's clothing stores, other clothing items in department stores, others in shoe stores, and still others in discount stores. For each item, the same type of outlet (e.g., clothing store, discount store, department store) was selected in each area whenever possible. 2.4.2.3 Catalog Pricing A limited amount of catalog pricing was included in the survey to reflect this common purchasing option. Eight item prices were surveyed by catalog. OPM selected these items based on comments it received from Federal employees. Catalog pricing also allowed the comparison of comparable items that would have been difficult to price otherwise. Of course, all catalog prices included any charges for shipping and handling and all applicable taxes. 2.5 Step 4: Surveying Prices As noted earlier, JFA obtained approximately 12,000 prices on more than 200 items from 3,000 outlets. In each survey area, JFA attempted to get at least three price quotes for each item, with certain exceptions. For example, essentially all of the available home sales and rental data meeting the specifications were obtained. For other items, such as utilities and real estate tax rates, only one quote was obtained in each area because these items have uniform rates within an area. Because the Washington, D.C., area has six survey communities, JFA attempted to get at least 18 price quotes for most items in this area. To accomplish this, JFA used various information-gathering approaches. These are described below. 2.5.1 In-House Research Staff JFA's research personnel, and those of Runzheimer, its subcontractor, played a major role in all data-collection activities. These professionals: --Contacted manufacturers, trade associations, governmental agencies, and retail establishments to ensure that suitable items were selected and priced at common types of outlets; --Contacted real estate professionals in each survey area to obtain general information as well as specific rental rates and home market values; --Conducted pricing surveys onsite and by telephone; --Served as a liaison for field researchers who collected price information onsite; --Performed hundreds of quality control checks, often verifying survey data through telephone calls and comparing current data-gathering results with those from earlier surveys; and --Analyzed and computed the item, category, component, and total comparative cost indexes. 2.5.2 Field Researchers--``Research Associates'' Most of the price data were collected onsite by Research Associates (RA's). The RA's were independent contractors, hired by JFA to visit retail outlets in each area and collect prices. All of these RA's were residents of the area. To avoid any real or perceived conflicts of interest, JFA refrained from hiring research associates who were either employees of the Federal government or who had immediate family who were employees of the Federal government. 2.5.3 Data Collection Materials The living-cost surveys conform with the provisions of the Paperwork Reduction Act and are approved by the Office of Management and Budget (OMB). The OMB-approved survey collection materials are found in Appendix 7. All JFA-developed worksheets or other survey materials conformed with those approved by OMB. 2.5.4 Inclusion of Sales and Excise Taxes For all items subject to sales and/or excise tax, the appropriate amount of tax was added prior to analysis. JFA gathered applicable information on taxes by contacting appropriate sources of information in the allowance areas and the Washington, DC, area. JFA also used appropriate tax publications, such as the State of Maryland's Sales and Use Tax Laws and Regulations and the ``General Excise Tax Law'' (Chapter 237) of the Hawaii Tax Reports. 2.5.5 JFA's Onsite Visits Full-time JFA research professionals traveled to each allowance area to supervise data collection activities and perform various quality control checks as necessary. These visits all occurred during the pricing period so that these professionals could answer any of the RA's data collection questions or provide additional training and instruction if necessary. The researchers visited living communities within the allowance areas to look at housing and to talk with local real estate professionals. They also visited numerous retail outlets to verify that comparable items were being priced at comparable outlets. In addition, they obtained general information about the local economy. 2.5.6 Special Considerations in Selected Areas 2.5.6.1 Pricing Surveys in Hawaii County, Puerto Rico, and the Virgin Islands Three allowance areas have multiple survey areas: Hawaii County, Hawaii; Puerto Rico; and the U.S. Virgin Islands. In Hawaii County, surveys were conducted in Hilo and in the Kailua Kona area. In Puerto Rico, surveys were conducted in San Juan and in Mayaguez; and in the Virgin Islands, surveys were conducted on St. Croix and St. Thomas. The survey data for each of these separate survey areas had to be combined to represent the allowance area overall. To do this, OPM provided JFA with weights based on the distribution of General Schedule employees in these areas. These weights are shown in Appendix 2 and are computed using three years of data and the moving-average approach described earlier. 2.5.6.2 Surveying the Washington, DC, Area As noted earlier, JFA attempted to get more price quotes in the DC area than in the allowance areas because of the size and diversity of the Washington metropolitan area. For the purposes of the COLA surveys, the DC area was divided into six survey areas: two in the District of Columbia, two in Maryland, and two in Virginia. The specific areas surveyed were within a normal shopping radius of the housing communities identified in Appendix 9. Survey data from each of the six DC [[Page 61337]] survey areas were combined using equal weights. 2.6 Step 5: Analyzing Data and Computing Indexes 2.6.1 General Formulae 2.6.1.1 Indexes Nonforeign area COLAS are derived from the living-cost indexes. These indexes are mathematical comparisons of living costs in the allowance areas compared with living costs in the Washington, DC, area. At the most fundamental level, an index is a way to state the difference between two prices (or sets of prices). For example, if a can of green beans costs $1.00 in the allowance area and 80 cents in the DC area, green beans are 25 percent more expensive in the allowance area than in DC. That difference can also be stated as a price index of 125. 2.6.1.2 Item Weights JFA computed indexes for hundreds of items. To combine these indexes, JFA used weights derived from the CES. These weights reflected the relative amount consumers normally spend on different items. For example, the price of a can of green beans has a lower weight than the price of a pound of apples because, according to the CES, people generally spend less on green beans than on apples. The COLA model uses a fixed-weight indexing methodology. This means that the same expenditure weights are used in the reference area (i.e., the DC area) and in the allowance areas. The weights used are based on the expenditure patterns of consumers nationwide as reported by the CES. This is the only source, of which OPM is aware, that provides expenditure information by income level. 2.6.1.3 Category and Component Weights As described in section 2.3.2, JFA also computed income sensitive category and component weights. This allowed the combination of item prices in a manner that reflected the different spending patterns of people at different income levels. How this was accomplished differed among the components. For the Goods and Services and Miscellaneous Expense components, JFA simply combined indexes within each category using the CES weights to derive an overall index for the category. The category indexes were then combined into an overall component index using the income- sensitive category weights described above. For the Transportation and Housing Components, JFA used the above approach in combination with a cost-build-up approach. For example, for each area the annual cost of owning and operating an automobile was computed by taking individual prices (e.g., automobile financing, insurance, gas and oil, and maintenance) and computing an overall dollar cost for each area. These costs were compared with those in the DC area to compute the Private Transportation Category index. This index was then combined with the Other Transportation Category index using income sensitive category weights to compute an overall Transportation Component index for each area. 2.6.2 Computing the Overall Index The item, category, and component indexes were combined using the process prescribed in Section 591.205(c), title 5, Code of Federal Regulations. That is a five-step process that involves converting the indexes to dollar values and weighting these, combining them, and comparing them to compute a final weighted average index. The process is described below. First, JFA used the CES data and the income ranges described in section 2.2.1 to determine the amount of money consumers typically spend on each component at each income level. These amounts appear in the table below and in Appendix 20. They were derived by taking the component weights shown in Table 2-1 times the representative income levels described in section 2.2.1. Table 2-2.--Typical Consumer Expenditures by Income Level and Component ---------------------------------------------------------------------------------- ------------------------------ Goods and Income level services Own/rent Transportation Misc. Total ---------------------------------------------------------------------------------- ------------------------------ Lower....................................... $8,341 $5,202 $3,938 $3,320 $20,800 Middle...................................... 12,433 7,555 5,879 5,634 31,500 Upper....................................... 18,775 11,114 8,892 9,520 48,300 ---------------------------------------------------------------------------------- ------------------------------ (Note: Values may not total because of rounding.) Second, for each allowance area, JFA multiplied the dollar values above by the component indexes for the allowance area. Because the housing component consisted of two indexes (one for owners and another for renters), two sets of total relative costs were produced--one for owners and another for renters. Third, for each allowance area and income level, JFA combined the total relative costs for owners and renters using as weights the proportion of owners and renters as identified in the CES. (See section 4.2.1.) This produced an overall expenditure dollar amount for each income level in each allowance area. Fourth, JFA computed a single overall average expenditure for each allowance area by combining the income level expenditures and using the allowance area General Schedule employment distribution as weights. This produced a single overall dollar expenditure value for the allowance area. Using the same General Schedule employment weights, JFA also computed a single overall dollar expenditure value for the DC area. The final step was to divide the overall average dollar expenditure for the allowance area by the overall average dollar expenditure for the DC area to compute a final index. These indexes are shown in the last section of this report and in Appendix 20. 3. Consumption Goods and Services 3.1 Categories and Category Weights Based on the CES data, JFA identified ten categories of expenses within the Goods and Services Component. Using linear regression analyses and the CES data, JFA identified the portion of total Goods and Services expenditures that the typical consumer spends in each category at various income levels. The categories and the relative expenditures are shown in the table below: [[Page 61338]] Table 3-1.--Category Weights Expressed as a Percentage of Goods and Services Expenditures by Income Level ------------------------------------------------------------------------ Income levels Category --------------------------------------- Lower Middle Upper ------------------------------------------------------------------------ Food at Home.................... 26.40 23.49 20.65 Food Away from Home............. 14.42 14.73 15.04 Tobacco......................... 3.15 2.59 2.05 Alcohol......................... 2.77 2.73 2.69 Furnishings and Hsld. Op........ 14.71 15.79 16.85 Clothing........................ 13.97 14.65 15.30 Domestic Service................ 1.76 1.90 2.04 Professional Services........... 6.48 6.65 6.82 Personal Care................... 3.62 3.52 3.43 Recreation...................... 12.72 13.94 15.14 --------------------------------------- Totals.................... 100.00 100.00 100.00 ------------------------------------------------------------------------ (Note: Values may not total because of rounding.) 3.2 Goods and Services Data Collection--Special Considerations 3.2.1 Exchange and Commissary Expenditure Research Executive Order 10000, as amended, requires OPM to adjust COLA rates when employees have special purchasing privileges, such as unlimited access to commissaries and exchanges. In Guam, employees have such access, so OPM directed JFA to price the same marketbasket of Goods and Services items at the commissaries and exchanges in Guam as it used for the local retail pricing. One price quote was obtained for each marketbasket item found in these facilities. It was not assumed that people with access to military facilities made all purchases in these facilities. Instead, the results of an OPM survey of Federal employees was used to determine the percentage of purchases that families typically make in military facilities versus local outlets. For example, as the following table shows, it is estimated that employees with commissary/exchange access in Guam, purchase approximately 70% of their Food at Home items at a commissary and purchase the remaining 30% of such items in local retail outlets. Table 3-2.--Percentages of Purchases Made at the Commissaries and Exchanges in Guam ------------------------------------------------------------------------ Category Percentage ------------------------------------------------------------------------ Food at Home................................................ 70.0 Food Away................................................... 0.0 Tobacco..................................................... 64.0 Alcohol..................................................... 76.0 Furnishings. and Hsld. Op................................... 64.5 Clothing.................................................... 43.7 Domestic Service............................................ 0.0 Professional Services....................................... 0.0 Personal Care............................................... 49.3 Recreation.................................................. 49.7 ------------------------------------------------------------------------ These percentages were used to aggregate the local retail and commissary/exchange prices into one set of appropriate, blended prices, hereinafter referred to as the Commissary/PX prices. The blended prices were compared to the local retail prices in the Washington, DC, area to compute Commissary/PX Goods and Services Category indexes, which were then combined using CES weights to derive an overall Commissary/PX Goods and Services Component index. Just as with the Guam Local Retail Goods and Services Component index, the Guam Commissary/PX Goods and Services Component index was combined with the indexes for the Housing, Transportation and Miscellaneous Expense Components to derive a single, overall Commissary/PX index for the Guam allowance area. 3.2.2 Restaurant Pricing To ensure comparison of prices at comparable restaurants among areas, OPM asked JFA to classify the restaurants it surveyed into two groups: family dining and fine dining. JFA used such characteristics as menu selections, atmosphere, table setting, seating, reservations, and American Automobile Association rating to make these distinctions. In addition, OPM also directed JFA to survey 100% of selected family restaurants for breakfast, approximately 75% for lunch, and about 67% for dinner. This allowed comparison of meal prices at a comparable mix of restaurants in all areas. 3.3 Goods and Services Survey Results Section 2.6 of this report provides a detailed explanation of the economic model used to analyze the price data. As it applies to Goods and Services, the approach involved comparing the average prices of marketbasket items in each allowance area with those in the Washington, DC, area. The resulting price ratios were aggregated into subcategory and then category indexes using the moving-average expenditure weights derived from the CES data. Appendix 8 shows for each allowance area ten category indexes, the weights used at each of the three income levels, and the overall Goods and Services indexes. The Washington, DC, area is not shown because it is, by definition, the reference area. Therefore, the DC indexes are 100. 4. Housing 4.1 Component Overview The Housing component consists of expenses related to owning or renting a dwelling. These are-- --mortgage or rent payments, --utilities, --real estate taxes, --homeowner's or renter's insurance, --home maintenance, and --telephone. At each of the three income levels, JFA measured separately the annual housing costs for homeowners and renters. The results were then combined using as weights the percentages of owners and renters reported by the CES. [[Page 61339]] 4.2 Housing Model 4.2.1 Expenditure Research The CES was used to determine the national average ratio of families who own, as opposed to rent, their residences. Using the expense data by income range as input into a linear regression analysis, JFA calculated the owner and rent weights shown below. JFA excluded expenditure data for home owning families without a mortgage because they were not typical of homeowners in the base area or in the allowance areas. Table 4-1.--Owner/Renter Weights ------------------------------------------------------------------------ Income levels -------------------------------------- Category Lower Middle Upper (percent) (percent) (percent) ------------------------------------------------------------------------ Homeowner with mortgage.......... 38.41 47.46 61.67 Renter........................... 61.59 52.54 38.33 -------------------------------------- Totals..................... 100.00 100.00 100.00 ------------------------------------------------------------------------ The CES data were also used to identify which home-maintenance items to price and to establish the relative importance of those items. 4.2.2 Housing Profiles To compare housing costs in all locations, six typical housing profiles are used and are assigned to the three income levels, as shown in the table below. OPM requested that at least one criterion for the owner profile be the square footage of the home and at least one criterion for the renter profile be the number of bedrooms in the rental unit. Table 4-2.--Housing Profiles ---------------------------------------------------------------------------------- ------------------------------ Income level Renter profile Owner profile ---------------------------------------------------------------------------------- ------------------------------ Lower................................. 3 rooms, 1 BR, 1 bath, 600 sq. 4 rooms, 2 BR, 1 bath, 900 sq. ft. condo ft. apartment. or detached house. Middle................................ 4 rooms, 2 BR, 1 bath, 900 sq. 5 rooms, 3 BR, 1 bath, 1,300 sq. ft. ft. apartment. detached house (rowhouse in NE DC). Upper................................. 4 rooms, 2 BR, 2 baths, 1,100 7 rooms, 3 BR, 2 baths, 1,700 sq. ft. sq. ft. townhouse or detached detached house. house. ---------------------------------------------------------------------------------- ------------------------------ The home sizes stated above are the representative sizes used for certain calculations in the model. They are not, however, the only size surveyed for each profile. For rentals, JFA obtained rental rates on any unit, regardless of its size, that otherwise meet the profile characteristics. For home sales, JFA obtained the prices of homes within size range and otherwise meeting the profile specifications. The size ranges are shown below: Table 4-3.--Home Sizes Surveyed ------------------------------------------------------------------------ Income level Range ------------------------------------------------------------------------ Lower............................ 600 to 1,200 sq. ft. Middle........................... 1,000 to 1,600 sq. ft. Upper............................ 1,400 to 2,300 sq. ft. ------------------------------------------------------------------------ It should be noted that although the size ranges overlap, no home sale observation could be used at more than one income level. Application of the other criteria (i.e., number and types of rooms) ensured that each observation was assigned to the appropriate income level even though its size was common to two income levels. 4.2.3 Living Community Selection As discussed briefly in sections 1.2.2 and 2.4.2.1, OPM identified the living communities to be surveyed based on the results of the 1992 Federal Employee Housing and Living Patterns Survey. This resulted in many survey community changes in both the allowance areas and in the Washington, DC, area. The communities surveyed are identified in Appendix 9. As with previous surveys, nine homeowner and nine renter communities were identified for the Washington, DC, area--one for each income level in each of the three areas (DC, Maryland, and Virginia). In the allowance areas, up to three homeowner and three renter communities were identified--one for each income level. The three-community owner/renter goal was not achievable in many of the smaller allowance areas due to the relatively few home sales and rental opportunities in these areas. In such areas, OPM directed JFA to collect prices for the entire survey area or allowance area rather than in specific communities. This was done in Hilo, Kailua Kona, Kauai, Maui, Guam, Mayaguez, St. Croix, and St. Thomas. In these areas, all home sales and/or rental rates meeting the housing profile characteristics for the particular income group were included in the analysis. 4.2.4 Housing-Related Expenses Based on the CES data, housing-related expense items are categorized into one of five groups in the COLA model. These groups are-- --utilities, --real estate taxes, --owners/renters insurance, --maintenance, and --telephone. 4.2.4.1 Utilities Electricity, oil, gas, water, and sewer are the utilities used in the model. Most utility companies are able to provide current charges per unit of consumption and average consumption patterns for all households. The companies were not, however, able to provide separate consumption patterns by the size or type of housing. Because many utility costs vary by size of house, a factor is needed to derive the utility rates at each of the home profiles. The table below shows the standard square foot sizes and utility factors used for each home profile. The factors are calculated by assuming that utility use increases or decreases at half [[Page 61340]] the rate that square footage increases or decreases. Table 4-4.--Utility Factors ------------------------------------------------------------------------ Renter profile Owner profile Income level ----------------------------------- Sq. ft. Factor Sq. ft. Factor ------------------------------------------------------------------------ Lower............................... 600 .73 900 .85 Middle.............................. 900 .85 1,300 1.00 Upper............................... 1,100 .92 1,700 1.15 ------------------------------------------------------------------------ In each area, JFA obtained the price of each of the types of utilities noted above. JFA used average annual consumption per household information gathered from utility companies serving each area to compute average annual utility costs. The above factors were then used to adjust the total annual utility costs for each of the various housing profiles. 4.2.4.2 Real Estate Taxes For this study, JFA contacted the city assessors in each allowance area and in the Washington, DC, area to obtain real estate tax information on the living communities surveyed. Real estate tax formulas were obtained for most living communities. Actual or representative tax amounts were obtained in other communities (e.g., Puerto Rico) where formulas were not available or directly applicable. 4.2.4.3 Owners/Renters Insurance Homeowners' insurance rates are gathered for each of the survey areas for both renter and owner profiles. For renters, the following estimated content values were used: $20,000 at the lower and middle income levels and $30,000 at the upper income level. For homeowners, the cost of insurance was dependent on the average home values calculated as part of this survey. In most areas, it was assumed that the structure was equal to 80 percent of the total home value. In Hawaii, where land prices tend to be higher, it was assumed that the structure was equal to 50 percent of the total home value. Previous research, conducted by Runzheimer International for OPM, found that insurance coverage for disasters, such as floods and earthquakes, were not widely purchased in the allowance areas. Therefore, the COLA model does not include these additional riders. (See Report to OPM on Living Costs in Selected NonForeign Areas and in the Washington, DC Area, June 1992 at 57 FR 58556). Hurricane and typhoon coverage, however, is common in Hawaii, Guam, and the U.S. Virgin Islands, and was included either in the insurance quote obtained or priced as a separate rider and added to the total insurance costs for these areas. 4.2.4.4 Home Maintenance Estimated home maintenance expense was computed for each of the homeowner profiles. Maintenance costs were not added in the three renter profiles because most, if not all, maintenance expenses are covered by the landlord. As was done in previous surveys, JFA priced both home maintenance services as well as home maintenance commodities, using the CES information to identify items to price and the weights associated with these items. The maintenance service items priced were interior painting, plumbing repair, electrical repair, and pest control. The maintenance commodities priced were bathroom caulking, kitchen faucet set, an electrical outlet, latex interior paint, and a fire extinguisher. To compute home maintenance cost differences between each allowance area and the Washington, DC, area for the homeowner profiles, an index was computed for each maintenance item by comparing the allowance area price to the DC area price. As with the Goods and Services Component items, the CES data were used to weight these maintenance indexes into an overall home maintenance index for each area. To combine the maintenance indexes with the other homeowner costs, which were expressed in dollar amounts, JFA converted the indexes to dollars by multiplying the index for each area by the average maintenance expense reported in the CES. This cost was assigned to the middle-income homeowner profile. Logically, maintenance costs for larger homes would generally be greater than costs for middle-sized homes, while costs for smaller homes would generally be less. Therefore, the same homeowner multipliers used in the utilities model for the lower and upper income profiles (.85 and 1.15 respectively) are applied to recognize differences in maintenance costs due to house size. 4.2.4.5 Telephone Telephone expense consisted of local service charges, additional charges for local calls (if applicable), and charges for long distance calls. To measure estimated expenses for local service and local calls, JFA surveyed the cost of touch-tone service with unlimited calling in each area. To estimate long distance charges in all areas, JFA surveyed the cost of three, ten-minute direct dial calls per month to large U.S. mainland cities (i.e., Los Angeles, Chicago, and New York City). JFA measured the price of a call placed in the survey area at the time of day necessary to be received in the respective city at 8:00 p.m. local time. In many areas, this resulted in pricing a combination of daytime and evening-rate calls. 4.3 Housing Data Collection Procedures As was done in previous years, JFA collected housing information mainly from real estate professionals, various listings services, and advertisements. In addition, JFA personnel traveled to each of the surveyed communities to assess the compatibility of the housing community with the income level for which the data were used and to ensure that homes in these communities were comparable to those in the Washington, DC, area. 4.3.1 Homeowner Data Collection JFA obtained selling prices of homes that matched the housing profiles in each living community. JFA obtained as many of these selling prices as possible for sales that occurred during the 6-month period prior to the date of the survey. The amount of data obtained depended on the number of home sales in the community and the availability of square footage and other housing profile information. This in turn depended on the size of the community, economic conditions, quality and quantity of the realty data available, and the willingness and ability of local realty professionals and assessor offices to provide data. If sales data obtained from the preliminary data sources did not meet specified contract minimums, JFA contacted additional data sources in the area to attempt to secure more sales data, if practical. In this manner, either all or a sizeable portion of the home sales in each area were surveyed. 4.3.2 Renter Data Collection Rental data also were obtained from a variety of sources, e.g., brokers, rental management firms, property managers, newspaper advertisements, and other listings. Analyses of these data revealed what appeared to be two separate rental markets: a broker market and a non-broker market. Rental rates and estimates provided by brokers generally exceeded those obtained from other sources. The methodology used to analyze these two data sets is discussed in section 4.4.2. [[Page 61341]] 4.4 Housing Analysis 4.4.1 Homeowner Data Analysis One of the most important factors relating to the price of a home is the number of square feet of living space. In the past, OPM directed the contractor to rank housing data high to low and trim equal numbers of observations from both ends of the data. The average of the remaining values was then used. This year, OPM changed the methodology and used the median home value rather than trimming and averaging. The median is the middle value in a rank-ordered set of observations. The purpose of either approach is to reduce the volatility of the housing data from one survey to the next because a relatively few extremely high or low home prices could significantly influence average housing costs. For each income profile in each allowance area and the Washington, DC, area, JFA computed the median price per square foot for the comparables. This value was then multiplied by the reference square footage for the profile to determine the average home value for the profile. Another change that OPM made this year was to ask JFA to use historical housing data in addition to data collected this year. These data are found in Appendix 10 of this report. The historical data are from previous living-cost surveys that were published in the Federal Register beginning with the 1990 report. (See Appendix 1 for a listing of these publications). The data for the period prior to 1990 were published with the results of the 1991-1992 living cost surveys at 57 FR 58618. All housing values are based on the community selections and analytical methodologies used at the time of each respective survey. The historical housing data used were the estimated annual principal plus interest payments by income level in each area. To combine these data, OPM supplied JFA with weights that were derived from the 1992 Federal Employee Housing and Living Patterns Survey. These weights reflect the proportion of Federal employee homeowners by year of purchase or acquisition in all allowance areas and in the Washington, DC, area. The historical housing weights and analyses are shown in Appendix 11. 4.4.2 Rental Data Analysis JFA assigned each rental quote data point to a single income level, based on the following criteria: --One bedroom apartments: Lower Income Level, --Two bedroom apartments: Middle Income Level, and --Townhouses and detached houses with a minimum of two bedrooms: Upper Income Level. As discussed earlier, there were essentially two sources of rental information: broker and non-broker sources. In each area, the quantity of data obtained from either source-type varied significantly. Therefore, analyzing all of the rental data (both broker and non- broker) together for an area and income level was undesirable. Instead, OPM instructed JFA to analyze broker and non-broker data separately by income level. As with the housing data analyses, OPM changed from the use of trimming and averaging to the use of the median. Therefore, for each income level, JFA ranked the rental rates from low to high separately for broker and non-broker data. The median values for broker and non-broker data for each group were determined and then averaged to compute a single rental value for each income level. Because OPM has no information on how the Federal employees who rent generally secure their lodgings, OPM requested that JFA apply equal weights to the broker and nonbroker data to compute an overall average rental rate for the area and income level. The broker and non- broker medians and final results are shown in Appendix 12. 4.5 Housing Survey Results In the above sections, the processes used for determining the costs for maintenance, insurance, utilities, real estate taxes, rents, and homeowner mortgages were described. Appendix 13 shows the cost of each of these items for renters and homeowners in each allowance area and in the Washington, DC, area. Appendix 14 compares the total cost of these items by income level in each allowance area with the total cost of the same items by income level in the Washington, DC, area. Again, there are separate comparisons for renters and homeowners. The final housing-cost comparisons take the form of indexes that are used in Appendix 20 to derive the total, overall index for owners and renters. (Refer to Section 2.6 for a discussion of the general formulae and how the component indexes are combined.) 5. Transportation 5.1 Component Overview The transportation component consists of two categories: Automobile Expense and Other Transportation Costs. The Automobile Expense Category reflects costs relating to owning and operating a car in each area. The Other Transportation Costs Category is represented by the cost of air travel from each location to a common point within the contiguous 48 states. 5.2 Private Transportation Methodology As was done in previous surveys, JFA analyzed automobile transportation costs for three commonly purchased vehicles: a domestic auto, an import auto, and a utility vehicle. New car costs were used for these analyses because it was believed that pricing used vehicles of equivalent quality in each area could introduce inconsistencies because of the value judgements that would be required. 5.2.1 Vehicle Selection and Pricing The three vehicles selected for analysis were: Domestic--Ford Taurus GL 4-door sedan 3.0L 6 cyl, Import--Honda Civic DX 4-door sedan 1.5L 4 cyl, and Utility--Chevrolet S10 Blazer 4X4 2 door 4.3L 6 cyl. These are the same models that were surveyed in previous years and were selected based on their popularity in the United States as demonstrated by owner registration data. For each model car, JFA collected new vehicle prices at dealerships in each area and from secondary sources, such as the Kelly Blue Book. All prices were based on the manufacturers' suggested retail prices (MSRP) for 1994. (OPM did not believe it was feasible to collect information on the negotiated price for these vehicles.) All vehicles were equipped with standard options, such as automatic transmission, AM/FM stereo radio and air conditioning. In addition to the MSRP, the price included additional charges such as shipping, dealer preparation, additional dealer markup, excise tax, sales tax, and any other one-time taxes or charges. In Hawaii, for example, documentation fees were also included as part of the new- vehicle costs. Rustproofing was priced in all areas, including the Washington, DC, area. In previous surveys, the contractor found that auto dealers in the DC area did not recommend vehicle rustproofing, although it was a commonly suggested option in the allowance areas. This year, the information collected suggested that rustproofing was a commonly offered option in all areas. Therefore, OPM directed JFA to include the cost of rustproofing in the DC area as well as the allowance areas. [[Page 61342]] 5.2.2 Vehicle Trade Cycle Calculating the cost of owning and operating a vehicle requires knowing the miles driven and how long the car is owned. In the automobile industry, these two factors are known collectively as a vehicle's ``trade cycle.'' The trade cycle is stated as a length of time (in months or years) and the total number of miles driven in that time period. This information is used in the model to compute annual costs related to fuel, oil, tires, maintenance, and depreciation. As with the previous living-cost analyses, JFA used a four-year, 60,000-mile trade cycle in all areas. This was based upon the following information: --The Internal Revenue Service uses this trade cycle to compute the allowable cents-per-mile reimbursement rate for persons who drive their personal vehicle for business purposes; --The four-year time period coincides with the typical length of a vehicle loan; and --U.S. Department of Energy statistics for 1988 show that the annual average for number of vehicle miles driven in the United States was 18,595 per household and 10,246 miles per vehicle. 5.2.3 Fuel Performance and Type All vehicles included in this study used regular unleaded fuel. JFA surveyed self-service cash prices of unleaded regular gasoline at name- brand gas stations in each area. To establish average fuel-performance ratings, the COLA model uses the ``city driving'' figures published by the U.S. Environmental Protection Agency (EPA). The ``city'' instead of ``highway'' figures are used because all locations contained considerable stop-and-go driving conditions. As in previous COLA surveys, JFA included in its analysis the following fuel-performance factors: temperature, road surface, and gradient. These factors are based on research previously conducted for OPM. This research and the factors are discussed below. 5.2.3.1 Impact of Temperature Upon Fuel Performance Gas mileage is affected by temperature. The lower the temperature, the fewer miles-per-gallon achieved and vice versa. According to the EPA's Passenger Car Fuel Economy: EPA and Road, the temperature at which no adjustments to fuel performance occur is 77 deg.F. Below that temperature, miles-per-gallon achieved drops; above 77 deg. miles-per- gallon achieved improves. The model uses the average monthly temperatures for each allowance area and the Washington, DC, area as reported in The Weather Almanac, published by Ruffner and Blair. For each location and month, the model uses the appropriate factor from the EPA study based on the average monthly temperature for the area. These factors are then averaged to derive a single overall factor for each location. The results of these calculations are shown in section 5.2.3.4. 5.2.3.2 Impact of Road Surface Upon Fuel Performance For the model, it is assumed that Federally controlled roadways are typically composed of concrete and/or highload asphalt and that locally controlled roadways are typically composed of low-load asphalt. EPA's research indicates that cars are generally more fuel-efficient on the firmer, high-load surfaces than on the softer, low-load surfaces. Although traffic patterns and road usage vary among areas, previous research conducted for OPM produced no relevant findings regarding this issue. Therefore, the model uses the assumption that Federally controlled roadways generally support twice the traffic of, or are used at least twice as much as, locally controlled roadways. In each allowance area, the total mileage falling into either the Federal or local categories was collected. For example, Hawaii contains 1,456 miles of Federally controlled roads and 2,606 miles of locally controlled roads. The usage assumption increased Federal road mileage by a factor of two. The average low-load asphalt factor (which reflects dry, wet, and snowy conditions) is applied to the local mileage percentage, and the average concrete and/or high-load asphalt factor is applied to the Federal mileage percentage to produce a weighted average factor for each area. The weighted factor is 0.98 for the allowance areas. The Washington, DC, area is assigned a factor of 1.00 on the premise that the vast majority of traffic in that area travels on dry, high-load surfaces. The application of these factors is described in section 5.2.3.4. 5.2.3.3 Impact of Gradient Upon Fuel Performance The effect of gradient on gas mileage is also estimated from EPA's Passenger Car Fuel Economy: EPA and Road. Local topography (i.e., gradient) affects fuel efficiency. EPA provides mileage factors based upon various gradients ranging from less than 0.5% (essentially flat) to greater than 6% (steep). In research previously conducted for OPM, the contractor reviewed the topographic features of each area and found a wide range of road conditions. However, the contractor was unable to find relevant information on the types of terrain drivers typically encounter in each area or the number of miles drivers travel in each type of terrain. Lacking such information, the contractor assumed that drivers in the allowance areas generally traveled roads having approximately the same gradients that are found on average in the United States. Applying the information from EPA's research, a fuel-performance factor of 0.981 was computed for this type of driving. This factor was assigned to each allowance area. For the Washington, DC, area, a factor of 1.00 was used on the premise that the vast majority of traffic in that area travels on major freeways and highways that are relatively flat. The application of these factors is described in the next section. 5.2.3.4 Overall Impact Upon Fuel Performance JFA applied the factors described above to make adjustments to the average gas mileage ratings for each type of automobile surveyed for each allowance area and for the Washington, DC, area. The adjustment factors compound--that is, the total adjustment is the result of multiplying the three individual factors together for each area. In the table below, the factor 1.00 means that no adjustment to EPA fuel performance is appropriate. A factor of less than 1.00 means that the estimated gasoline mileage in the area is less than the EPA average. For example, the total adjustment factor for Guam is 0.95. This means that the estimated gasoline mileage in Guam is 95% of the EPA estimated average. Note that the adjustment factor for the DC area (0.94) indicates that average gasoline mileage in that area is also below the EPA estimate. [[Page 61343]] Table 5-1.--Summary of Fuel-Performance Adjustments ---------------------------------------------------------------------------------- ------------------------------ Road Location Temperature surface Gradient Total ---------------------------------------------------------------------------------- ------------------------------ Hawaii...................................................... 0.99 0.98 0.98 0.95 Guam........................................................ 0.99 0.98 0.98 0.95 Puerto Rico................................................. 1.01 0.98 0.98 0.97 Virgin Islands.............................................. 1.01 0.98 0.98 0.97 Washington, DC.............................................. 0.94 1.00 1.00 0.94 ---------------------------------------------------------------------------------- ------------------------------ 5.2.4 Vehicle Maintenance As was done in the previous surveys, JFA surveyed the cost of five common maintenance services and repairs performed on the vehicles surveyed. The services and repairs were-- --Tuneup, --Oil change, --Automatic transmission fluid change, --Flush/fill coolant, and --Muffler/exhaust pipe replacement. Where appropriate, the automobile manufacturers' recommended maintenance schedules were used to determine the frequency of performing each of these maintenance jobs. Maintenance schedules vary, depending on the driving conditions typically encountered. Consistent with the assumptions used for fuel economy and tire mileage, it was assumed that driving conditions in the allowance areas are generally severe, and the maintenance schedules used reflected that kind of driving. For the DC area, it was assumed that driving conditions were normal, and the maintenance schedules used for that area reflected that kind of driving. The recommended frequency of performing each of these jobs was combined with the prices charged by local dealers and service stations to compute an estimated annual maintenance expense. As with previous surveys, JFA collected specific parts costs and hourly labor costs in each location and used Chilton's Labor Guide and Parts Manual to determine service times and parts required for each maintenance procedure. 5.2.5 Tires Research previously conducted for OPM revealed that various factors (e.g., road quality/state of repair, road composition) appeared to reduce tread life (i.e., the average number of miles a tire is expected to last) in the allowance areas compared with the Washington, DC, area. Based on this research, the model uses tire expense based on a 40,000- mile tread life in allowance areas and a 55,000-mile tread life in the DC area. JFA priced the cost of a new set of tires, including mounting and balancing and all applicable taxes, in each area. This cost was converted into an annual cost by dividing the estimated number of annual miles driven by the expected tread life and multiplying this by the new tire price. 5.2.6 License and Registration Fees, and Miscellaneous Tax JFA obtained information regarding license registration fees and personal property tax (where applicable). License and registration fees were included as part of the annual cost of owning an automobile. Personal property tax was computed for each year of the vehicle's four- year trade cycle using the vehicle's estimated used-car value for each year. The resulting four personal property tax values were then averaged, and that average was included as part of the annual cost of owning an automobile. As stated in section 5.2.1, sales and excise taxes were included in the purchase price of the vehicle and were accounted for under the annual vehicle purchase and finance costs. 5.2.7 Depreciation The single largest annual expense related to owning and operating a new car is depreciation--the lost value of the vehicle as it ages and is driven. Total depreciation is calculated by subtracting from the purchase price the estimated residual value (used car value) four years later. This value is then divided by 4 to produce an annual depreciation amount. As described earlier, the new car price is the manufacturer's suggested retail price plus any additional charges, such as shipping, dealer prep, additional dealer markup, excise tax, and sales tax. As was done in previous surveys, the used car value was based on information from the Black Book Official Finance/Lease Guide for 1994. Although this source only tracks prices of vehicles sold in the contiguous 48 states, research performed by the previous OPM contractor produced no conclusive evidence that used cars in allowance areas were (on average) worth more or less than used cars in the DC area. Therefore, consistent with previous surveys, the used car prices for each make and model were held constant among the areas. It should be noted that identical residual values did not result in identical depreciation amounts. Depreciation amounts were higher in the allowance areas than in the Washington, DC, area because new car prices are higher in the allowance areas. 5.2.8 Finance Expense For the model, it is assumed that new car purchases are financed. Therefore, JFA surveyed banks in all areas to obtain their auto-loan interest rates for a 48-month loan with 80 percent financing. The finance cost for each vehicle in each area was computed and included in the annual cost of owning and operating an automobile. 5.2.9 Vehicle Insurance JFA surveyed the cost of car insurance in each location. Consistent with the previous year's survey, JFA used the following common coverages, limits, and deductibles: Bodily Injury............................. $100,000/$300,000. Property Damage........................... 50,000. Medical................................... 5,000. Uninsured Motorist........................ 100,000/300,000. Comprehensive............................. 100 Deductible. Collision................................. 250 Deductible. In each survey area, JFA identified the common automobile insurance companies and attempted to obtain three insurance price quotes for each type of car surveyed. These quotes were averaged by type of car to produce estimated insurance costs for each area. JFA found that some insurance companies in Hawaii and Kauai Counties, Hawaii; Guam; Puerto Rico; and the Virgin Islands did not offer the coverages, limits, and deductibles shown above. To allow the comparison of the cost of these different policies with DC costs, OPM directed JFA also to survey in the DC area the cost of insurance that was comparable to that offered in these allowance areas. The cost of these equivalent policies were then compared to derive adjustment factors that could be applied to the cost of the standard coverages, limits, and deductibles shown above. By applying [[Page 61344]] these factors to the DC area average price, the cost of equivalent coverage was estimated for these particular allowance areas. The factors and their derivation are shown in Appendix 16. 5.2.10 Overall Annual Costs As described above, JFA measured the annual costs for fuel, maintenance and oil, tires, licensing, taxes, depreciation, finance, and insurance for three types of automobiles in each allowance area and in the Washington, DC, area. These costs were then summed to determine the overall annual costs by area for owning and operating each type of automobile. Appendix 15 shows these costs for each area by type of vehicle. 5.3 Other Transportation Costs--Air Fares Air fares are the only item priced for the Other Transportation Costs Category. For this item, JFA priced the lowest available round- trip air fare from each allowance area and the Washington, DC, area to Los Angeles, California. Los Angeles was selected because it is a common point approximately equidistant from most of the allowance areas and the Washington, DC, area. The cost of the trip from each allowance area to Los Angeles was compared with the cost of the trip from the DC area to Los Angeles to compute the category indexes. These fares are shown in Appendix 17. 5.4 Transportation Component Analyses JFA compared the total cost of private auto transportation for each vehicle in each allowance area with the total cost for the same vehicle in the DC area. These comparisons are expressed as indexes and are shown in Appendix 18. The indexes were then averaged to produce a single Automobile Expense Category index for each allowance area. Likewise, JFA compared the cost of air fares for each area with those for the DC area and computed a cost index. These indexes are also shown in Appendix 18. That appendix also shows how the auto and air transportation indexes are combined using expenditure weights derived from the CES data to produce final transportation indexes. JFA used national average expenditure data to derive weights that reflected how much consumers typically spend to own and operate an automobile versus other transportation expenses. These weights were used to combine the Automobile Expense Category index with the Other Transportation Cost index by area to derive the overall Transportation Component index for the area. The weights, computations, and final indexes are also shown in Appendix 18. The Transportation Component indexes are used in Appendix 20 to derive the total overall index. 6. Miscellaneous Expenses 6.1 Component Overview The Miscellaneous Expense component consists of three categories of expenses: --Medical care, --Contributions (including gifts to non-family members), --Personal insurance and retirement contributions/ investments. JFA used an approach similar to that used for the Goods and Services Component to derive the indexes for each of these categories and the Miscellaneous Component overall. 6.2 Component Weights JFA used CES data to determine the appropriate weights for each of the items and categories in the Miscellaneous Component. The following table shows the category weights. Item weights are shown in Appendix 19. Table 6-1.--Miscellaneous Expense Categories and Weights ------------------------------------------------------------------------ Income level -------------------------------------- Categories Lower Middle Upper (percent) (percent) (percent) ------------------------------------------------------------------------ Medical Care..................... 41.50 31.33 23.51 Contributions.................... 15.80 16.85 17.65 Personal Insurance and Retirement Contributions................... 42.70 51.82 58.83 -------------------------------------- Totals....................... 100.00 100.00 100.00 ------------------------------------------------------------------------ (Note: Values may not total because of rounding.) 6.3 Component Categories 6.3.1 Medical Expense Category JFA surveyed the price of medical care items using essentially the same approach it used for the Goods and Services Component items. The following medical-care items were priced in each allowance area and in the Washington, DC, area. (See Appendix 5 for item descriptions). --Nonprescription pain reliever --Prescription drugs --Vision check --Dental service --Doctor visit --Hospital room --Health insurance JFA surveyed the cost of these items in both the allowance areas and in the Washington, DC, area and compared the prices to produce an index for each item in each area. JFA combined these indexes using CES weights to produce a single Medical Care Category index for each area. It should be noted that for the model, it is assumed that the cost of health insurance is constant among areas because the choice of Federal health coverage is to a large extent a matter of personal preference. Therefore, the index for this item is 100.00. 6.3.2 Contributions Category The index for the Contributions Category is the Goods and Services Component index for the area. The Goods and Services index is used based on the assumption that the relative level of contributions is roughly equivalent to that reflected by the Goods and Services index. 6.3.3 Personal Insurance and Retirement Category The index for personal insurance and retirement contributions and investments is assumed to be constant among areas. The cost of Federal Employees Group Life Insurance is a matter of personal preference and is constant in all areas for the same age, salary, and benefit option combinations. Likewise, retirement contributions are a matter of personal preference and the minimum contribution requirements are constant among areas for equivalent salary levels. [[Page 61345]] 6.4 Miscellaneous Expense Analyses As with the Goods and Services Component, the indexes for each of the Miscellaneous Component categories are combined using CES weights to produce a single component index for each area. These indexes are shown in Appendix 19. Section 2.5 describes how the miscellaneous expense component indexes are combined with the other component indexes to derive the final index for each area. 7. Final Results 7.1 Total Comparative Cost Indexes The total comparative cost indexes appear below. Appendix 20 shows how each index was derived from the component indexes. Table 7-1.--Final Cost Comparison Indexes ------------------------------------------------------------------------ Allowance area Index ------------------------------------------------------------------------ City and County of Honolulu, Hawaii.......................... 119.56 Hawaii County, Hawaii........................................ 112.56 Kauai County, Hawaii......................................... 116.35 Maui County, Hawaii.......................................... 118.84 Guam/CNMI, Local Retail...................................... 119.39 Guam/CNMI, Commissary/Exchange............................... 113.40 Puerto Rico.................................................. 99.63 U.S. Virgin Islands.......................................... 112.08 ------------------------------------------------------------------------ CNMI=Commonwealth of the Northern Mariana Islands. Appendix 1.--Publication in the Federal Register of Results of Nonforeign Area Living-Cost Surveys: 1990-1994 ------------------------------------------------------------------------ Citation Title Contents ------------------------------------------------------------------------ 56 FR 7902............. Office of Personnel Results of summer 1990 Management: Cost-of- living-cost surveys Living Allowances and conducted in Alaska, Post Differentials Hawaii, Guam, Puerto (Nonforeign areas). Rico, and the U.S. Virgin Islands. 57 FR 58556............ Office of Personnel Results of summer 1991 Management: Report on and winter 1992 1991/1992 Surveys Used living-cost surveys to Determine Cost-of- conducted in Alaska, Living Allowances in Hawaii, Guam, Puerto Nonforeign Areas. Rico, and the U.S. Virgin Islands. 58 FR 45558............ Office of Personnel Results of summer 1992 Management: Report on and winter 1993 1992/1993 Surveys Used living-cost surveys to Determine Cost-of- conducted in Alaska, Living Allowances in Hawaii, Guam, Puerto Nonforeign Areas. Rico, and the U.S. Virgin Islands. 58 FR 27316............ Office of Personnel Results of summer 1993 Management: Report on living-cost surveys Summer 1993 Surveys conducted in Hawaii, Used to Determine Cost- Guam, Puerto Rico, of-Living Allowances and the U.S. Virgin in Nonforeign Areas. Islands. 59 FR 45066............ Office of Personnel Results of winter 1994 Management: Report on living-cost surveys Winter 1994 Surveys conducted in Alaska. Used to Determine Cost- of-Living Allowances in Alaska. ------------------------------------------------------------------------ Appendix 2.--Multiple Survey Areas: Summer 1994 Survey [Federal Employment Weights Within a Single Allowance Area] ---------------------------------------------------------------------------------- ------------------------------ Location 1992 1993 1994 Average Weights ---------------------------------------------------------------------------------- ------------------------------ Hawaii County: Hilo, HI............................................. 243 250 292 262 83.17 Kailua Kona, HI...................................... 47 52 60 53 16.83 ------------------------------------------------------ Total.............................................. ......... ......... ......... 315 100.00 ====================================================== Puerto Rico: San Juan, PR......................................... 5074 5135 5235 5148 88.90 Mayaguez, PR......................................... 625 606 698 643 11.10 ------------------------------------------------------ Total.............................................. ......... ......... ......... 5791 100.00 ====================================================== Virgin Islands: St. Croix, VI........................................ 148 142 151 147 45.09 St. Thomas, VI....................................... 180 190 166 179 54.91 ------------------------------------------------------ Total.............................................. ......... ......... ......... 326 100.00 ---------------------------------------------------------------------------------- ------------------------------ Multiple Income Levels: Summer 1994 Survey [Federal Employment Weights Within a Single Allowance Area] ---------------------------------------------------------------------------------- ------------------------------ Location and income level 1992 1993 1994 Average Weights ---------------------------------------------------------------------------------- ------------------------------ Honolulu, HI: Low.................................................. 4789 4346 4239 4458 33.49 Middle............................................... 4567 4540 4171 4426 33.25 Upper................................................ 4248 4344 4689 4427 33.26 ------------------------------------------------------ Total.............................................. ......... ......... ......... 13311 100.00 ====================================================== [[Page 61346]] Hawaii County, HI: Low.................................................. 129 122 165 139 37.87 Middle............................................... 133 145 154 144 39.24 Upper................................................ 77 85 91 84 22.89 ------------------------------------------------------ Total.............................................. ......... ......... ......... 367 100.00 ====================================================== Kauai County, HI: Low.................................................. 53 71 81 68 28.57 Middle............................................... 94 94 84 91 38.24 Upper................................................ 71 78 89 79 33.19 ------------------------------------------------------ Total.............................................. ......... ......... ......... 238 100.00 ====================================================== Maui County, HI: Low.................................................. 29 37 39 35 24.65 Middle............................................... 61 56 56 58 40.84 Upper................................................ 44 51 51 49 34.51 ------------------------------------------------------ Total.............................................. ......... ......... ......... 142 100.00 ====================================================== Guam: Low.................................................. 1010 1061 1060 1044 48.31 Middle............................................... 650 696 681 676 31.28 Upper................................................ 387 437 498 441 20.41 ------------------------------------------------------ Total.............................................. ......... ......... ......... 2161 100.00 ====================================================== Puerto Rico: Low.................................................. 2535 2330 2428 2431 41.91 Middle............................................... 2133 2287 2184 2201 37.94 Upper................................................ 1047 1140 1321 1169 20.15 ------------------------------------------------------ Total.............................................. ......... ......... ......... 5801 100.00 ====================================================== Virgin Islands: Low.................................................. 125 128 114 122 37.54 Middle............................................... 139 133 128 133 40.92 Upper................................................ 64 71 75 70 21.54 ------------------------------------------------------ Total.............................................. ......... ......... ......... 325 100.00 ---------------------------------------------------------------------------------- ------------------------------ Appendix 3.--Consumer Expenditure Surveys [Pre-published Data for All Consumer Units Nationwide*] ---------------------------------------------------------------------------------- ------------------------------ Total complete reporting --------------------------------------------------- 1988 1991 1992 Average ---------------------------------------------------------------------------------- ------------------------------ Average Before Tax Income................................... 28,540.00 33,901.00 33,854.00 32,098.33 Average annual expenditures................................. 26,389.07 30,487.29 30,527.49 29,134.62 Food...................................................... 3,804.39 4,366.88 4,358.56 4,176.61 Food at home............................................ 2,176.94 2,724.89 2,684.35 2,528.73 Cereals and bakery products*.......................... 317.03 413.81 418.15 383.00 Cereals and cereal products*........................ 111.15 149.01 144.15 134.77 Flour*............................................ 4.83 6.61 7.21 6.22 Prepared flour mixes*............................. 9.88 14.67 13.62 12.72 Ready-to-eat and cooked cereals*.................. 73.49 90.13 88.39 84.00 Rice*............................................. 7.98 14.49 12.67 11.71 Pasta, cornmeal and other cereal products*........ 14.97 23.11 22.27 20.12 Bakery products*.................................... 205.88 264.80 274.00 248.23 Bread*............................................ 65.72 76.98 77.58 73.43 White bread*.................................... 35.48 38.93 38.04 37.48 Bread, other than white*........................ 30.24 38.04 39.54 35.94 Crackers and cookies*............................. 51.76 65.09 67.10 61.32 Cookies*........................................ 32.19 41.15 40.75 38.03 Crackers*....................................... 19.57 23.94 26.34 23.28 Frozen and refrigerated bakery products*.......... 13.55 19.33 21.06 17.98 Other bakery products*............................ 74.84 103.40 108.27 95.50 Biscuits and rolls*............................. 26.62 34.12 35.55 32.10 [[Page 61347]] Cakes and cupcakes*............................. 20.31 29.49 31.67 27.16 Bread and cracker products*..................... 2.82 4.14 4.70 3.89 Sweetrolls, coffee cakes, doughnuts*............ 19.60 24.05 24.93 22.86 Pies, tarts, turnovers*......................... 5.48 11.61 11.41 9.50 Meats, poultry, fish, and eggs*....................... 560.01 725.06 687.17 657.41 Beef*............................................... 183.66 238.59 210.36 210.87 Ground beef*...................................... 79.09 89.66 87.67 85.47 Roast*............................................ 33.40 42.62 37.74 37.92 Chuck roast*.................................... 13.23 16.81 13.48 14.51 Round roast*.................................... 9.13 12.63 12.96 11.57 Other roast*.................................... 11.04 13.18 11.30 11.84 Steak*............................................ 59.01 87.83 69.00 71.95 Round steak*.................................... 11.62 16.56 14.63 14.27 Sirloin steak*.................................. 12.96 23.58 17.72 18.09 Other steak*.................................... 34.42 47.68 36.65 39.58 Other beef*....................................... 12.17 18.47 15.95 15.53 Pork*............................................... 114.19 146.62 155.56 138.79 Bacon*............................................ 20.23 21.28 20.47 20.66 Pork chops*....................................... 27.10 35.26 34.88 32.41 Ham*.............................................. 27.43 38.92 42.73 36.36 Ham, not canned*................................ 24.47 35.84 38.98 33.10 Canned ham*..................................... 2.96 3.08 3.75 3.26 Sausage*.......................................... 16.60 21.01 23.29 20.30 Other pork*....................................... 22.83 30.15 34.19 29.06 Other meats*........................................ 83.61 102.91 94.58 93.70 Frankfurters*..................................... 17.37 23.87 21.19 20.81 Lunch meats (cold cuts)*.......................... 58.88 70.13 63.56 64.19 Bologna, liverwurst, salami*.................... 19.11 23.75 22.91 21.92 Other lunchmeats*............................... 39.78 46.39 40.65 42.27 Lamb, organ meats and others*..................... 7.36 8.91 9.84 8.70 Lamb and organ meats*........................... 6.17 7.89 8.74 7.60 Mutton, goat and game*.......................... 1.19 1.02 1.10 1.10 Poultry*............................................ 85.49 123.67 123.39 110.85 Fresh and frozen chickens*........................ 66.41 92.17 91.28 83.29 Fresh whole chicken*............................ 17.24 24.27 19.61 20.37 Fresh and frozen chicken parts*................. 49.17 67.90 71.67 62.91 Other poultry, incl. whole frozen chickens*....... 19.08 31.50 32.10 27.56 Fish and seafood*................................... 65.24 81.51 74.99 73.91 Canned fish and seafood*.......................... 17.95 18.40 17.46 17.94 Fresh and frozen shellfish*....................... 14.98 25.27 21.36 20.54 Fresh and frozen finfish*......................... 32.31 37.83 36.17 35.44 Eggs*............................................... 27.83 31.77 28.30 29.30 Dairy products*....................................... 277.91 306.57 307.10 297.19 Fresh milk and cream*............................... 134.41 134.72 136.59 135.24 Whole milk*....................................... 52.12 49.88 47.69 49.90 Other milk and cream*............................. 82.29 84.84 88.90 85.34 Other dairy products*............................... 143.50 171.85 170.52 161.96 Butter*........................................... 8.89 10.62 9.71 9.74 Cheese*........................................... 79.01 90.15 87.72 85.63 Ice cream and related products*................... 41.68 50.47 51.93 48.03 Miscellaneous dairy products*..................... 13.93 20.61 21.16 18.57 Fruits and vegetables*................................ 376.38 437.70 435.20 416.43 Fresh fruits*....................................... 120.98 132.65 129.17 127.60 Apples*........................................... 21.57 26.69 26.64 24.97 Bananas*.......................................... 20.65 27.62 26.48 24.92 Oranges*.......................................... 10.98 12.28 13.23 12.16 Other fresh fruits*............................... 67.78 66.06 62.82 65.55 Fresh vegetables*................................... 110.67 131.09 127.84 123.20 Potatoes*......................................... 16.61 25.25 24.56 22.14 Lettuce*.......................................... 13.73 15.51 16.33 15.19 Tomatoes*......................................... 14.87 21.64 19.85 18.79 Other fresh vegetables*........................... 65.47 68.69 67.10 67.09 Processed fruits*................................... 86.81 99.35 102.67 96.28 Frozen fruits and fruit juices*................... 19.59 22.09 21.35 21.01 Frozen orange juice*............................ 14.43 14.09 13.34 13.95 Other frozen fruits and juices*................. 5.16 7.99 8.01 7.05 Canned and dried fruits*.......................... 21.22 24.23 23.48 22.98 Fresh, canned or bottled fruit juices*............ 46.00 53.03 57.83 52.29 Processed vegetables*............................... 57.92 74.61 75.53 69.35 [[Page 61348]] Frozen vegetables*................................ 21.30 26.45 25.46 24.40 Canned and dried vegetables and juices*........... 36.62 48.16 50.07 44.95 Canned beans*................................... 6.64 9.26 10.09 8.66 Canned corn*.................................... 4.21 6.29 7.40 5.97 Other canned and dried veg. and juices*......... 25.77 32.61 32.59 30.32 Other food at home*................................... 645.61 841.75 836.73 774.70 Sugar and other sweets*............................. 80.66 104.62 106.24 97.17 Candy and chewing gum*............................ 45.41 59.10 62.86 55.79 Sugar*............................................ 17.07 20.80 18.12 18.66 Artificial sweeteners*............................ 2.36 3.23 3.24 2.94 Jams, preserves, other sweets*.................... 15.82 21.48 22.02 19.77 Fats and oils*...................................... 56.65 73.12 73.79 67.85 Margarine*........................................ 11.96 14.31 14.56 13.61 Other fats, oils, and salad dressing*............. 31.66 39.96 40.94 37.52 Nondairy cream and imitation milk*................ 4.49 6.56 6.75 5.93 Peanut butter*.................................... 8.54 12.30 11.53 10.79 Miscellaneous foods*................................ 272.98 387.81 393.26 351.35 Frozen prepared foods*............................ 46.13 71.21 73.99 63.78 Frozen meals*................................... 16.75 25.00 22.99 21.58 Other frozen prepared foods*.................... 29.39 46.21 51.01 42.20 Canned and packaged soups*........................ 21.41 26.23 25.44 24.36 Potato chips, nuts, and other snacks*............. 59.78 78.66 78.63 72.36 Potato chips and other snacks*.................. 46.79 62.03 62.34 57.05 Nuts*........................................... 12.99 16.63 16.29 15.30 Condiments and seasonings*........................ 61.52 87.93 90.44 79.96 Salt, spices, other seasonings*................. 12.31 19.15 20.79 17.42 Olives, pickles, relishes*...................... 7.62 11.05 10.82 9.83 Sauces and gravies*............................. 31.62 42.03 43.55 39.07 Baking needs and misc. products................. 9.97 15.71 15.29 13.66 Other canned and packaged prepared foods*......... 84.14 123.78 124.75 110.89 Salads and desserts*............................ 13.23 17.87 20.42 17.17 Baby food*...................................... 16.25 23.56 24.11 21.31 Miscellaneous prepared foods*................... 54.66 82.35 80.22 72.41 Nonalcoholic beverages*............................. 204.37 233.06 219.33 218.92 Cola*............................................. 92.19 92.26 86.71 90.39 Other carbonated drinks*.......................... 32.62 39.32 40.41 37.45 Coffee*........................................... 40.93 42.59 40.13 41.22 Roasted coffee*................................. 25.27 23.35 24.56 25.06 Instant and freeze dried coffee*................ 15.66 17.24 15.57 16.16 Noncarbonated fruit flavored drinks*.............. 16.30 25.74 20.15 20.73 Tea*.............................................. 11.18 14.66 14.26 13.37 Nonalcoholic beer*................................ NA NA NA NA Other nonalcoholic beverages*..................... 11.15 18.51 17.68 15.78 Food prepared by consumer unit on out-of-town trips. 30.94 43.13 44.12 39.40 Food away from home..................................... 1,627.45 1,641.99 1,674.21 1,647.88 Meals at restaurants, carry-outs and other*........... 1,275.77 1,300.05 1,344.40 1,306.74 Lunch*.............................................. 499.88 463.89 476.89 480.22 Dinner*............................................. 549.30 601.50 619.67 590.16 Snacks and nonalcoholic beverages*.................. 142.56 133.59 141.35 139.17 Breakfast and brunch*............................... 84.04 101.08 106.49 97.20 Board (including at school)........................... 43.62 43.00 46.92 44.51 Catered affairs....................................... 41.27 46.07 40.77 42.70 Food on out-of-town trips............................. 195.31 178.84 167.14 180.43 School lunches........................................ 42.24 46.89 47.40 45.51 Meals as pay.......................................... 29.24 27.13 27.58 27.98 Alcoholic beverages..................................... 281.70 313.94 321.12 305.59 At home*.............................................. 148.36 166.77 177.01 164.05 Beer and ale*....................................... 89.05 87.98 99.54 92.19 Whiskey*............................................ 12.73 17.07 14.23 14.68 Wine*............................................... 32.15 45.33 43.11 40.20 Other alcoholic beverages*.......................... 14.43 16.38 20.13 16.98 Away from home........................................ 133.34 147.17 144.11 141.54 Beer and ale*....................................... 37.50 46.76 48.77 44.34 Wine*............................................... 18.54 25.57 22.95 22.35 Other alcoholic beverages*.......................... 58.12 46.66 47.06 50.61 Alcoholic beverages purchased on trips.............. 19.17 28.19 25.34 24.23 Housing................................................... 8,069.13 9,325.13 9,528.41 8,974.22 Shelter................................................. 4,470.25 5,208.28 5,431.78 5,036.77 Owned dwellings....................................... 2,554.04 3,279.50 3,307.24 3,046.93 [[Page 61349]] Mortgage interest and charges....................... 1,560.48 1,951.95 1,984.40 1,832.28 Mortgage interest................................. 1,560.38 1,880.31 1,856.78 1,765.82 Interest paid, home equity loan................... NA 33.34 63.99 48.67 Interest paid, home equity line of credit......... NA 37.94 63.32 50.63 Prepayment penalty charges........................ 0.10 0.36 0.31 0.26 Property taxes...................................... 496.08 767.69 760.97 674.91 Maintenance, repairs, insurance, and other expenses. 497.48 559.86 561.86 539.73 Homeowners and related insurance.................. 151.74 164.20 176.37 164.10 Fire and extended coverage...................... 4.98 3.84 5.02 4.61 Homeowners insurance............................ 146.76 160.36 171.35 159.49 Ground rent....................................... 26.88 33.78 33.40 31.35 Maintenance and repair services................... 252.68 278.55 268.09 266.44 Painting and papering........................... 52.01 39.24 37.27 42.84 Plumbing an water heating....................... 23.06 31.48 34.02 29.52 Heat, a/c, electrical work...................... 42.03 45.96 53.14 47.04 Roofing and gutters............................. 46.96 54.11 40.98 47.35 Other repair and maintenance services........... 78.78 99.93 91.16 89.96 Repair and replacement of hard surface flooring. 8.14 6.47 10.16 8.26 Repair of built-in appliances................... 1.68 1.36 1.36 1.47 Maintenance and repair commodities................ 65.41 69.18 63.89 66.16 Paints, wallpaper and supplies.................. 17.47 16.27 16.50 16.75 Tools and equipment for painting and wallpapering................................... 1.88 1.75 1.77 1.80 Plumbing supplies and equipment................. 5.65 7.65 5.96 6.42 Electrical supplies, heating and cooling equipment...................................... 3.76 3.44 7.13 4.78 Materials for hard surface flooring, repair and replac......................................... 1.85 2.17 3.13 2.38 Materials and equipment for roof and gutters.... 5.18 6.61 6.20 6.00 Materials for plaster., panel., siding, wind., doors, screens, awn............................ 11.08 10.86 7.29 9.74 Materials for patio, walk, fence, drive., mason., brick, stucco work..................... 2.12 0.55 0.67 1.11 Materials for landscaping maintenance........... 2.52 1.77 1.15 1.81 Miscellaneous supplies and equipment............ 13.89 18.11 14.08 15.36 Material for insulation, other maint., and repair....................................... 7.87 12.55 7.84 9.42 Materials to finish base., remodel rooms or build patios, walks, etc..................... 6.02 5.56 6.24 5.94 Property management and security.................. 0.74 13.44 20.12 11.43 Property management............................. 0.64 8.61 13.24 7.50 Management and upkeep services for security..... 0.10 4.84 6.88 3.94 Parking........................................... 0.04 0.70 NA 0.37 Rented dwellings...................................... 1,469.41 1,609.43 1,787.19 1,622.01 Rent................................................ 1,428.30 1,538.23 1,714.30 1,560.28 Rent as pay......................................... 17.34 44.87 37.09 33.10 Maintenance, insurance and other expenses........... 23.76 26.33 35.80 28.63 Tenant's insurance................................ 8.68 9.76 9.16 9.20 Maintenance and repair services................... 9.01 9.96 11.88 10.28 Repair or maintenance service................... 8.62 9.49 11.52 9.88 Repair and replacement of hard surface flooring. 0.36 0.38 0.29 0.34 Repair of built-in appliances................... 0.03 0.08 0.07 0.06 Maintenance and repair commodities................ 6.07 6.61 14.76 9.15 Paint, wallpaper, and supplies.................. 1.19 2.07 1.70 1.65 Tools and equipment for painting and wallpapering................................... 0.13 0.22 0.18 0.18 Materials for plastering, panels, roofing, gutters, etc................................... 0.68 0.43 2.86 1.32 Materials for patio, walk, fence, drive, masonry, brick and stucco work................. 0.02 0.02 0.04 0.03 Plumbing supplies and equipment................. 0.38 0.25 0.55 0.39 Electrical supplies, heating and cooling equipment...................................... 0.92 0.34 0.26 0.51 Miscellaneous supplies and equipment............ 1.84 2.17 7.71 3.91 Material for insulation, other maintenance and repair....................................... 0.58 0.82 1.51 0.97 Termite and pest control (capital improvement) 0.00 NA NA 0.00 Materials for additions, finishing base., remodeling rooms............................. 1.08 1.34 5.90 2.77 Construction materials for jobs not started... 0.18 0.01 0.30 0.16 Material for hard surface flooring.............. 0.14 0.59 0.90 0.54 Material for landscape maintenance.............. 0.76 0.53 0.55 0.61 Other lodging......................................... 446.79 319.35 337.35 367.83 Owned vacation homes................................ 78.26 92.13 115.29 95.23 Mortgage interest and charges..................... NA 39.20 54.55 46.88 Mortgage interest............................... 48.65 38.93 50.60 46.06 Interest paid, home equity loan................. NA 0.02 1.06 0.54 Interest paid, home equity line of credit....... NA 0.26 2.88 1.57 Prepayment penalty charge....................... 0.00 NA NA 0.00 Property taxes.................................... 16.90 37.77 42.04 32.24 Maintenance, insurance, and other expenses........ 12.71 15.17 18.70 15.53 Homeowners and related insurance................ 3.07 3.79 4.10 3.65 [[Page 61350]] Homeowners insurance.......................... 3.04 3.65 3.86 3.52 Fire and extended coverage.................... 0.03 0.14 0.24 0.14 Ground rent..................................... 3.33 2.32 1.75 2.47 Maintenance and repair services................. 5.52 5.25 7.53 6.10 Repair and remodeling services................ 5.52 5.14 7.39 6.02 Repair and replacement of hard surface flooring..................................... 0.00 0.11 0.15 0.09 Maintenance and repair commodities.............. 0.39 0.53 1.97 0.96 Paints, wallpaper, supplies................... 0.08 0.15 1.31 0.51 Tools and equipment for painting and wallpapering................................. 0.01 0.02 0.14 0.06 Materials for plaster., panel., roof., gutters, downspouts, sid., wind., door,...... 0.05 0.05 0.07 0.06 Material for patio, walk, fence, drive, masonry, brick, stucco....................... 0.00 0.00 0.01 0.00 Plumbing supplies and equipment............... 0.02 0.05 0.32 0.13 Electrical supplies, heating and cooling equipment.................................... 0.01 0.09 0.03 0.04 Miscellaneous supplies and equipment.......... 0.01 0.12 0.09 0.07 Material for insulation, other maintenance and repair................................. 0.01 0.04 0.09 0.05 Material for finishing basements and remodeling rooms........................... 0.00 0.08 NA 0.04 Materials for hard surface flooring........... 0.20 NA NA 0.20 Materials for landscaping maintenance......... 0.00 0.06 NA 0.03 Property management and security................ 0.40 3.19 3.35 2.31 Property management........................... 0.40 1.96 2.25 1.54 Management and upkeep services for security... 0.00 1.23 1.10 0.78 Parking......................................... 0.00 0.09 NA 0.05 Housing while attending school........................ 35.48 59.66 54.71 49.95 Lodging on out-of-town trips.......................... 178.58 167.56 167.34 171.16 Utilities, fuels, and public services..................... 1,726.29 1,961.13 1,962.49 1,883.30 Natural gas............................................. 232.22 240.89 246.97 240.03 Utility-natural gas (renter).......................... 50.85 50.96 55.98 52.60 Utility-natural gas (owned home)...................... 180.07 189.11 189.86 186.35 Utility-natural gas (owned vacation).................. 1.22 0.82 1.07 1.04 Utility-natural gas (rented vacation)................. 0.08 NA 0.06 0.07 Electricity............................................. 700.08 791.57 770.65 754.10 Electricity (renter).................................. 169.94 189.36 201.59 186.96 Electricity (owned home).............................. 524.87 595.84 562.26 560.99 Electricity (owned vacation).......................... 5.03 6.00 6.59 5.87 Electricity (rented vacation)......................... 0.25 0.37 0.20 0.27 Fuel oil and other fuels................................ 94.02 103.30 93.93 97.08 Fuel oil.............................................. 55.60 62.83 55.61 58.01 Fuel oil (renter)................................... 5.21 5.61 7.00 5.94 Fuel oil (owned home)............................... 49.96 56.67 48.25 51.63 Fuel oil (owned vacation)........................... 0.38 0.51 0.36 0.42 Fuel oil (rented vacation).......................... 0.06 0.04 NA 0.05 Coal.................................................. 3.50 4.66 2.50 3.55 Coal (renter)....................................... 0.55 0.26 0.05 0.29 Coal (owned home)................................... 2.95 4.38 2.44 3.26 Coal (owned vacation)............................... 0.00 0.02 0.02 0.01 Coal (rented vacation).............................. 0.00 NA NA 0.00 Bottled gas........................................... 24.48 27.47 27.18 26.38 Gas, btld/tank (renter)............................. 3.78 4.19 4.79 4.25 Gas, btld/tank (owned home)......................... 18.58 21.14 20.75 20.16 Gas, btld/tank (owned vacation)..................... 2.12 2.11 1.64 1.96 Gas, btld/tank (rented vacation).................... 0.00 0.02 NA 0.01 Wood and other fuels.................................. 10.43 8.35 8.64 9.14 Wood/other fuels (renter)........................... 1.31 1.37 1.59 1.42 Wood/other fuels (owned home)....................... 9.05 6.92 6.71 7.56 Wood/other fuels (owned vacation)................... 0.06 0.05 0.34 0.15 Wood/other fuels (rented vacation).................. 0.00 NA NA 0.00 Telephone services.................................... 528.79 608.50 619.87 585.72 Telephone (old)..................................... NA 48.22 0.00 24.11 Telephone services in home city, excluding mobile car phones......................................... NA 560.28 619.87 590.08 Telephone services for mobile car phones............ NA NA NA NA Water and other public services....................... 171.19 216.87 231.08 206.38 Water and sewerage maintenance...................... 131.02 159.33 160.22 150.19 Water/sewer maint. (renter)....................... 18.53 22.04 24.38 21.65 Water/sewer maint. (owned home)................... 111.57 136.19 133.69 127.15 Water/sewer maint. (owned vacation)............... 0.83 1.09 2.10 1.34 Water/sewer maint. (rented vacation).............. 0.09 0.01 0.05 0.05 Trash and garbage collection........................ 38.67 55.90 69.38 54.65 Trash/garb. coll. (renter)........................ 5.28 7.26 7.37 6.64 [[Page 61351]] Trash/garb. coll. (owned home).................... 33.31 47.64 59.92 46.96 Trash/garb. coll. (owned vacation)................ 0.08 1.00 2.09 1.06 Trash/garb. coll. (rented vacation)............... 0.00 NA 0.01 0.01 Septic tank cleaning................................ 1.50 1.65 1.47 1.54 Septic tank clean. (renter)....................... 0.01 0.07 0.11 0.06 Septic tank clean. (owned home)................... 1.48 1.57 1.29 1.45 Septic tank clean. (owned vacation)............... 0.00 0.01 0.07 0.03 Septic tank clean. (rented vacation).............. 0.00 NA NA 0.00 Household operations.................................. 387.45 451.97 487.20 442.21 Personal services................................... 176.53 224.86 253.05 218.15 Babysitting....................................... 74.62 83.78 85.92 81.44 Care for elderly, invalids, handicapped, etc...... 11.66 26.56 43.92 27.38 Day-care centers, nursery, and preschools......... 90.25 114.51 123.21 109.32 Other household expenses............................ 210.92 227.11 234.15 224.06 Housekeeping services............................. 67.76 77.46 71.70 72.31 Gardening, lawn care service...................... 49.60 60.85 64.99 58.48 Water softening service........................... 2.81 2.72 3.28 2.94 Household laundry, dry cleaning, sent out (nonclothing) not coin operated.................. 1.63 2.21 2.32 2.05 Coin-operated household laundry and dry cleaning (nonclothing).................................... 4.78 4.91 5.58 5.09 Other home services............................... 17.86 16.79 18.38 17.68 Termite/pest control products..................... 0.20 0.22 0.29 0.24 Moving, storage, freight express.................. 26.46 22.73 24.37 24.52 Appliance repair, including service center........ 16.44 16.96 15.88 16.43 Reupholstering, furniture repair.................. 13.85 11.51 18.56 14.64 Repair/rental of lawn/garden equip., hand/power tools, other house. equip........................ 5.92 5.78 3.74 5.15 Appliance rental.................................. 2.08 1.28 1.86 1.74 Rental of office equipment for nonbusiness use.... 0.17 0.17 0.13 0.16 Repair of miscellaneous household equipment and furnishings*..................................... 0.48 2.34 1.89 1.57 Repair of computer systems for nonbusiness use.... 0.88 1.19 1.19 1.09 Rental/installation of dishwashers, range hoods, and garbage disposals............................ 0.00 NA NA 0.00 Housekeeping supplies*.............................. 382.82 451.34 462.61 432.26 Laundry and cleaning supplies*.................... 106.44 123.66 123.97 118.02 Soaps and detergents*............................. 62.10 73.49 70.41 68.67 Other laundry cleaning products*.................. 44.33 50.17 53.56 49.35 Other household products*........................... 157.48 197.81 211.79 189.03 Cleansing and toilet tissue, paper towels and napkins*......................................... 52.12 62.60 60.52 58.41 Miscellaneous household products*................. 67.89 91.22 94.75 84.62 Lawn and garden supplies*......................... 37.47 44.00 56.52 46.00 Postage and stationery*............................. 118.90 129.87 126.85 125.20 Stationery, stationery supplies, giftwraps*....... 54.40 66.09 62.59 61.03 Postage*.......................................... 64.49 63.78 64.26 64.18 Household furnishings and equipment................. 1,102.32 1,252.41 1,184.33 1,179.69 Household textiles................................ 97.11 107.35 94.56 99.67 Bathroom linens*................................ 13.69 24.61 15.62 17.97 Bedroom linens*................................. 38.11 39.34 43.17 40.21 Kitchen and dining room linens*................. 5.74 4.76 7.84 6.11 Curtains and draperies.......................... 26.56 18.09 19.11 21.25 Silpcovers, decorative pillows.................. 1.64 1.36 1.42 1.47 Sewing material for slipcovers, curtains, other sewing mater, for the home*.................... 10.32 18.17 6.54 11.68 Other linens.................................... 1.05 1.04 0.86 0.98 Furniture......................................... 319.44 297.24 316.15 310.94 Mattress and springs............................ 41.86 35.82 38.97 38.88 Other bedroom furniture......................... 39.75 46.24 57.57 47.85 Sofas........................................... 65.44 65.48 70.67 67.20 Living room chairs.............................. 35.91 34.99 30.70 33.87 Living room tables.............................. 20.16 14.24 17.63 17.34 Kitchen, dining room furniture.................. 58.64 46.11 42.37 49.04 Infants' furniture.............................. 7.01 7.58 6.74 7.11 Outdoor furniture............................... 12.57 13.59 11.02 12.39 Occasional furniture............................ 38.12 33.18 40.48 37.26 Floor coverings................................... 70.23 128.97 61.08 86.76 Wall-to-wall carpeting (renter)................. 2.41 2.02 2.57 2.33 Wall-to-wall carpet, installed (renter)....... 1.73 1.56 2.05 1.78 Wall-to-wall carpet, not installed carpet squares (renter)............................. 0.68 0.46 0.52 0.55 Wall-to-wall carpet (replacement) (owned home).. 42.57 34.99 29.06 35.54 Wall-to-wall carpet, not installed (replace.), carp. squar. (owned home).................... 3.04 2.91 1.89 2.61 Wall-to-wall carpet, installed (replacement) (owned home)................................. 39.53 32.08 27.17 32.93 Room size rugs and other floor covering, nonpermanent*.................................. 25.25 91.96 29.45 48.89 [[Page 61352]] Major appliances.................................. 172.90 131.98 144.89 149.92 Dishwashers (built-in), garbage disposals, range hoods, (renter)................................ 0.24 0.98 0.16 0.46 Dishwashers (built-in), garbage disposals, range hoods, (owned home)............................ 10.05 9.54 7.21 8.93 Refrigerators, freezers (renter)................ 11.18 7.51 8.38 9.02 Refrigerators, freezers (owned home)............ 39.29 25.85 33.30 32.81 Washing machines (renter)....................... 6.56 4.28 6.28 5.71 Washing machines (owned home)................... 17.96 17.22 15.85 17.01 Clothes dryers (renter)......................... 4.18 2.34 3.35 3.29 Clothes dryers (owned home)..................... 10.35 7.05 9.78 9.06 Cooking stoves, ovens (renter).................. 2.87 2.18 3.11 2.72 Cooking stoves, ovens (owned home).............. 19.55 13.20 14.81 15.85 Microwave ovens (renter)........................ 4.47 2.09 3.09 3.22 Microwave ovens (owned home).................... 9.81 4.85 4.74 6.47 Portable dishwasher (renter).................... 0.31 0.14 0.11 0.19 Portable dishwasher (owned home)................ 1.33 0.24 1.15 0.91 Window air conditioners (renter)................ 2.43 1.12 1.18 1.58 Window air conditioners (owned home)............ 8.23 7.61 3.31 6.38 Electric floor cleaning equipment............... 14.62 15.03 13.63 14.43 Sewing machines................................. 6.08 5.19 5.15 5.47 Miscellaneous household appliances*............. 3.39 5.56 10.29 6.41 Small appliances, miscellaneous housewares........ 60.51 83.38 86.46 76.78 Housewares...................................... 39.14 57.82 62.47 53.14 Plastic dinnerware............................ 1.83 1.79 1.61 1.74 China and other dinnerware.................... 10.31 11.56 11.60 11.16 Flatware...................................... 3.44 4.07 3.97 3.83 Glassware*.................................... 9.79 7.08 13.59 10.15 Silver serving pieces*........................ 0.27 3.83 1.35 1.82 Other serving pieces.......................... 1.36 1.78 1.59 1.58 Nonelectric cookware*......................... 12.14 11.67 11.66 11.82 Tableware, nonelectric kitchenware*........... NA 16.02 17.08 16.55 Small appliances................................ 21.37 25.56 23.99 23.64 Small electric kitchen appliances............. 14.17 18.05 18.75 16.99 Portable heating and cooling equipment........ 7.20 7.52 5.23 6.65 Miscellaneous household equipment................. 382.11 503.48 481.19 455.59 Window coverings................................ 13.72 12.79 17.37 14.63 Infants' equipment*............................. 3.77 10.62 5.52 6.64 Laundry and cleaning equip.*.................... 8.52 9.19 10.99 9.57 Outdoor equipment............................... 4.73 6.20 4.83 5.25 Clocks.......................................... 5.46 4.45 3.38 4.43 Lamps and lighting fixtures*.................... 28.40 22.80 26.10 25.77 Other household decorative items*............... 80.30 107.69 111.16 99.72 Telephones and accessories*..................... 7.25 62.21 20.55 30.00 Lawn and garden equipment....................... 49.12 39.58 43.15 43.95 Power tools..................................... 14.39 13.25 16.15 14.60 Small miscellaneous furnishings*................ 3.39 5.23 1.15 3.26 Hand tools*..................................... 13.67 11.71 14.07 13.15 Indoor plants, fresh flowers*................... 41.42 57.80 53.49 50.90 Closet and storage items*....................... 4.62 6.99 12.21 7.94 Rental of furniture............................. 3.02 3.36 3.67 3.35 Luggage......................................... 8.72 7.49 7.04 7.75 Computers and computer hardware nonbusiness use. 39.86 63.64 63.66 55.72 Computer software and accessories for nonbusiness use................................ 7.36 8.69 9.48 8.51 Telephone answering devices..................... 4.23 5.00 4.64 4.62 Calculators..................................... 1.99 2.56 1.57 2.04 Business equipment for home use................. 6.20 5.02 4.23 5.15 Other hardware*................................. 6.95 11.83 13.74 10.84 Smoke alarms (owned home)....................... 0.54 0.38 0.47 0.46 Smoke alarms (renter)........................... 0.15 0.09 0.06 0.10 Smoke alarms (owned vacation)................... 0.00 NA NA 0.00 Other household appliances (owned home)......... 4.25 4.63 4.40 4.43 Other household appliances (renter)............. 1.35 0.87 0.99 1.07 Miscellaneous household equipment and parts*.... 18.73 19.42 27.08 21.74 Apparel and services...................................... 1,537.27 1,801.23 1,732.90 1,690.47 Men and boys............................................ 400.67 448.88 436.86 428.80 Men, 16 and over...................................... 318.80 357.81 353.05 343.22 Men's suits......................................... 41.20 39.20 43.98 41.46 Men's sportcoats, tailored jackets.................. 15.57 13.84 12.04 13.82 Men's coats and jackets*............................ 29.30 30.48 26.12 28.63 Men's underwear*.................................... 9.72 12.26 14.13 12.04 [[Page 61353]] Men's hosiery*...................................... 10.34 12.60 13.73 12.22 Men's nightwear*.................................... 2.89 6.24 5.84 4.99 Men's accessories*.................................. 22.88 34.42 33.64 30.31 Men's sweaters and vests............................ 17.65 13.47 13.11 14.74 Men's active sportswear............................. 12.10 12.15 11.96 12.07 Men's shirts*....................................... 74.17 87.10 87.25 82.84 Men's pants*........................................ 70.76 77.09 70.18 72.68 Men's shorts, shorts sets*.......................... 8.29 13.53 16.40 12.74 Men's uniforms...................................... 3.16 5.00 3.70 3.95 Men's costumes...................................... 0.77 0.42 0.98 0.72 Boys, 2 to 15......................................... 81.86 91.07 83.82 85.58 Boys' coats and jackets*............................ 9.48 4.36 5.73 6.52 Boys' sweaters...................................... 3.73 3.09 2.70 3.17 Boys' shirts*....................................... 20.55 21.80 19.50 20.62 Boys' underwear*.................................... 1.55 4.96 4.89 3.80 Boys' nightwear*.................................... 2.79 2.21 2.83 2.61 Boys' hosiery*...................................... 3.99 4.97 4.26 4.41 Boys' accessories*.................................. 2.77 4.58 5.19 4.18 Boys' suits, sportcoats, vests*..................... 3.00 0.51 2.13 1.88 Boys' pants*........................................ 24.70 24.72 19.41 22.94 Boys' shorts, shorts sets*.......................... 3.91 11.51 9.03 8.15 Boys' uniforms, active sportwear.................... 5.10 7.43 7.30 6.61 Boys' costumes...................................... 0.29 0.93 0.85 0.69 Women and girls....................................... 608.90 724.73 703.40 679.01 Women, 16 and over.................................. 509.83 624.19 607.23 580.42 Women's coats and jackets*........................ 33.49 40.55 58.80 44.28 Women's dresses*.................................. 83.27 118.10 89.96 97.11 Women's sportcoats, tailored jackets*............. 0.84 6.02 3.90 3.59 Women's vests and sweaters*....................... 36.74 46.00 40.43 41.06 Women's shirts, tops, blouses*.................... 85.55 114.03 106.20 101.93 Women's skirts*................................... 29.28 28.63 21.52 26.48 Women's pants*.................................... 66.85 69.35 79.18 71.79 Women's shorts, shorts sets*...................... 14.23 20.40 23.33 19.32 Women's active sportswear*........................ 23.13 28.54 32.91 28.19 Women's sleepwear*................................ 22.57 20.98 25.33 22.96 Women's undergarments*............................ 24.38 27.53 33.13 28.35 Women's hosiery................................... 25.85 27.13 25.01 26.00 Women's suits..................................... 28.04 33.54 30.71 30.76 Women's accessories*.............................. 34.46 38.59 33.98 35.68 Women's uniforms*................................. 1.15 1.47 1.82 1.48 Women's costumes.................................. 0.00 3.34 1.01 1.45 Girls, 2 to 15...................................... 99.08 100.53 96.17 98.59 Girls' coats and jackets.......................... 7.95 6.71 7.65 7.44 Girls' dresses, suits............................. 12.02 13.87 13.23 13.04 Girls' shirts, blouses, sweaters*................. 30.19 23.20 22.42 25.27 Girls' skirts and pants........................... 16.37 15.56 14.87 15.60 Girls' shorts, shorts sets........................ 6.41 8.41 9.83 8.22 Girls' active sportswear*......................... 9.32 10.66 8.41 9.46 Girls' underwear and sleepwear.................... 5.92 6.16 6.26 6.11 Girls' hosiery*................................... 4.88 6.09 5.05 5.34 Girls' accessories*............................... 4.08 5.49 4.50 4.69 Girls' uniforms................................... 1.46 2.26 1.86 1.86 Girls' costumes................................... NA 2.12 2.08 2.10 Children under 2.................................... 63.60 85.67 80.39 76.55 Infant coat, jacket, snowsuit....................... 3.17 2.99 3.25 3.14 Infant dresses, outerwear........................... 14.98 17.87 20.75 17.87 Infant underwear*................................... 36.68 51.00 46.85 44.84 Infant nightwear, loungewear........................ 3.19 3.11 4.26 3.52 Infant accessories.................................. 3.06 5.15 5.28 4.50 Infant hosiery...................................... 0.41 0.10 NA 0.10 Footwear*............................................. 204.13 258.04 243.05 235.07 Men's footwear*..................................... 62.95 72.47 73.53 69.65 Boys' footwear*..................................... 18.19 29.42 31.65 26.42 Women's footwear*................................... 104.54 128.82 115.47 116.28 Girls' footwear*.................................... 18.46 27.33 22.41 22.73 Other apparel products and services................... 259.97 283.91 269.19 271.02 Material for making clothes......................... 8.12 9.10 8.58 8.60 Sewing patterns and notions......................... 2.15 3.00 2.56 2.57 Watches............................................. 21.65 20.45 20.47 20.86 [[Page 61354]] Jewelry............................................. 110.35 121.45 108.73 113.41 Shoe repair and other shoe service.................. 3.46 4.27 3.47 3.73 Coin-operated apparel laundry and dry cleaning...... 34.25 37.63 38.61 36.83 Apparel alteration and repair....................... 6.05 6.23 6.02 6.10 Clothing rental..................................... 4.77 4.02 3.56 4.12 Watch and jewelry repair............................ 5.72 6.94 5.54 6.07 Apparel laundry and dry cleaning not coin operated.. 62.72 69.99 70.94 67.88 Clothing storage.................................... 0.75 0.83 0.71 0.76 Transportaiton............................................ 5,140.21 5,235.41 5,232.14 5,202.59 Vehicle purchases (net outlay).......................... 2,388.19 2,154.04 2,167.03 2,236.42 Cars and trucks, new.................................. 1,391.73 1,072.55 1,095.97 1,186.75 New cars............................................ 991.60 749.65 749.56 830.27 New trucks.......................................... 400.13 322.90 346.42 356.48 Cars and trucks, used................................. 971.12 1,060.67 1,033.39 1,021.73 Used cars........................................... 754.27 742.29 737.98 744.85 Used trucks......................................... 216.85 318.39 295.42 276.89 Other vehicles........................................ 25.34 20.82 37.66 27.94 New motorcycles..................................... 5.21 2.87 18.06 8.71 New aircraft........................................ 0.00 NA NA 0.00 Used motorcycles.................................... 15.86 17.95 9.04 14.28 Used aircraft....................................... 4.27 NA 10.57 7 Gasoline and motor oil.................................. 933.90 998.10 972.68 968.23 Gasoline.............................................. 812.03 884.83 868.13 855.00 Diesel fuel........................................... 12.01 9.23 9.86 10.37 Gasoline on out-of-town trips......................... 96.47 91.98 82.43 90.29 Gasohol*.............................................. 0.00 NA NA 0.00 Motor oil............................................. 12.55 11.31 11.44 11.77 Motor oil on out-of town trips........................ 0.85 0.74 0.83 0.81 Other vehicle expenses.................................. 1,552.56 1,775.67 1,805.62 1,711.28 Vehicle finance charges............................... 284.70 280.20 258.96 274.62 Automobile finance charges.......................... 196.25 190.05 169.13 185.14 Truck finance charges............................... 71.94 75.90 71.72 73.19 Motorcycle and plane finance charges................ 1.67 0.50 1.93 1.37 Other vehicle finance charges....................... 14.85 13.76 16.18 14.93 Maintenance and repairs............................... 568.66 641.71 627.51 612.63 Coolant, additives, brake, transmission fluids...... 7.15 6.94 6.77 6.95 Tires--purchased, replaced, installed............... 86.22 85.76 92.70 88.23 Parts, equipment and accessories*................... 86.80 100.00 75.63 87.48 Vehicle products*................................... 3.92 3.19 3.14 3.42 Misc. auto repair, servicing*....................... 17.18 22.31 20.13 19.87 Body work and painting.............................. 34.71 30.35 32.21 32.42 Clutch, transmission repair......................... 34.54 35.98 34.71 35.08 Drive shaft and rear-end repair..................... 7.58 6.97 7.96 7.50 Brake work.......................................... 33.05 42.57 43.87 39.83 Repair to steering or front-end..................... 11.64 12.69 15.62 13.32 Repair to engine cooling system..................... 22.87 24.02 24.59 23.83 Motor tune-up....................................... 40.07 46.97 46.95 44.66 Lube, oil change, and oil filters................... 24.67 33.01 35.54 31.07 Front-end alignment, wheel balance.................. 9.30 11.64 12.40 11.11 Shock absorber replacement.......................... 6.01 9.13 8.25 7.80 Brake adjustment.................................... 4.75 6.83 5.13 5.57 Gas tank repair, re-................................ placement*.......................................... 0.09 1.18 1.60 0.96 Repair tires and other repair work.................. 29.23 33.15 33.63 32.00 Exhaust system repair............................... 14.55 18.36 18.29 17.07 Electrical system repair............................ 20.35 26.00 28.19 24.85 Motor repair, replacement........................... 63.53 79.50 73.60 72.21 Autor repair service policy......................... 8.54 5.18 6.60 6.77 Vehicle insurance..................................... 515.06 619.68 638.83 591.19 Vehicle rental, leases, licenses, other charges....... 184.14 234.08 280.31 232.84 Leased and rented vehicles.......................... 68.54 95.89 125.45 96.63 Rented vehicles................................... NA 33.77 32.93 33.35 Auto rental..................................... 44.36 12.42 8.36 21.71 Auto rental, out-of-town trips.................. 6.78 15.41 16.16 12.78 Truck rental.................................... 12.51 2.10 2.71 5.77 Truck rental, out-of-town trips................. 3.99 2.49 5.20 3.89 Motorcycle rental............................... 0.00 NA NA 0.00 Aircraft rental................................. 0.47 0.27 0.24 0.33 Motorcycle rental, out-of-town trips............ 0.04 0.50 0.07 0.20 [[Page 61355]] Aircraft rental, out-of-town trips.............. 0.40 0.58 0.20 0.39 Leased vehicles................................... NA 62.11 92.52 77.32 Car lease payments.............................. NA 47.74 69.08 58.41 Cash downpayment (car lease).................... NA 2.12 8.22 5.17 Termination fee (car lease)..................... NA 0.16 0.14 0.15 Truck lease payments............................ NA 11.01 12.47 11.74 Cash downpayment (truck lease).................. NA 1.09 1.52 1.31 Termination fee (truck lease)................... NA NA 1.08 1.08 State and local registration...................... 67.04 75.17 87.09 76.43 Driver's license.................................. 6.59 7.27 7.41 7.09 Vehicle inspection................................ 6.33 8.31 9.03 7.89 Parking fees...................................... 20.50 23.86 23.01 22.46 Parking fees (old).............................. NA 1.34 0.00 0.67 Parking fees in home city, excluding residence.. NA 19.97 20.52 20.25 Parking fees, out-of-town trips................. NA 2.54 2.49 2.52 Tolls*............................................ 5.96 8.71 10.98 8.55 Tolls on out-of-town trips........................ 4.12 4.51 4.18 4.27 Towing charges.................................... 5.05 4.89 5.02 4.99 Automobile service clubs.......................... NA 5.48 8.14 6.81 Public transportation............................... 265.56 307.60 286.82 286.66 Airline fares..................................... 176.01 183.39 173.89 177.76 Intercity bus fares............................... 14.30 7.84 10.90 11.01 Intracity mass transit fares...................... 41.07 54.01 48.57 47.88 Local trans. on out-of-town trips................. 0.54 3.34 8.74 4.21 Taxi fares on trips............................... 4.86 17.17 5.14 9.06 Taxi fares........................................ 5.89 6.78 6.46 6.38 Intercity train fares............................. 9.04 14.66 17.38 13.69 Ship fares........................................ 13.00 19.63 14.54 15.72 School bus........................................ 0.86 0.77 1.21 0.95 Health care......................................... 1,282.43 1,563.01 1,653.66 1,499.70 Health insurance.................................. 473.36 652.12 727.65 617.71 Commercial health insurance..................... 165.28 213.85 232.16 203.76 Blue Cross, Blue Shield......................... 116.52 148.51 173.35 146.13 Health maintenance plans (HMO's).................. 48.48 95.76 90.57 78.27 Medicare payments................................. 78.60 101.70 111.33 97.21 Commercial medicare supplements................... 64.48 92.29 120.24 92.34 Medical services.................................... 512.73 561.20 546.03 539.99 Physician's services.............................. 149.19 179.39 170.75 166.44 Dental services................................... 150.89 179.38 174.32 168.20 Eyecare services.................................. 22.70 25.60 29.20 25.83 Nursing, therapy, and misc. medical services (old) 4.21 0.44 NA 2.33 Service by professionals other than physician..... 22.62 29.39 32.66 28.22 Lab tests, x-rays................................. 26.78 25.91 31.35 28.01 Hospital room..................................... 54.96 36.47 37.42 42.95 Hospital service other than room.................. 26.61 53.30 44.63 41.51 Medical care in retirement community.............. NA NA NA NA Care in convalescent or nursing home.............. 40.86 21.05 13.48 25.13 Repair of medical equipment*...................... 0.05 NA NA 0.05 Other medical care services....................... 13.86 8.07 12.24 11.39 Drugs............................................... 225.28 258.20 284.99 256.16 Nonprescription drugs*............................ 65.79 73.86 80.16 73.27 Prescription drugs................................ 159.49 184.34 204.83 182.89 Medical supplies.................................... 71.06 91.49 94.98 85.84 Eyeglasses and contact lenses..................... 45.18 59.02 57.35 53.85 Hearing aids*..................................... 0.00 3.50 7.13 3.54 Topicals and dressings*........................... 14.40 21.63 24.32 20.12 Medical equipment for general use................. 5.29 2.32 2.25 3.29 Supportive and convalescent medical equipment..... 5.70 3.48 2.85 4.01 Rental of medical equipment....................... 0.50 0.35 0.35 0.40 Rental of supportive, convalescent medical equipment........................................ NA 1.19 0.74 0.97 Entertainment....................................... 1,348.90 1,523.49 1,525,52 1,465.97 Fees and admissions............................... 351.99 384.49 375.11 370.53 Recreation expenses, out-of-town trips.......... 17.85 16.61 15.32 16.59 Club membership dues and fees (old)............. 76.68 24.30 NA 50.49 Social, recreation, civic club membership....... NA 59.85 85.24 72.55 Fees for participant sports..................... 46.90 69.06 61.15 59.04 Participant sports, out-of-town trips........... 18.96 20.12 21.17 20.08 Movie, theater, opera, ballet................... 61.08 66.54 64.92 64.18 Movie, other admissions, out-of-town trips...... 25.91 19.72 27.20 24.28 [[Page 61356]] Admission to sporting events.................... 19.63 20.69 22.94 21.09 Admission to sports events, out-of-town trips... 25.91 17.42 9.08 17.47 Fees for recreational lessons................... 41.23 53.57 52.76 49.19 Other entertainment services, out-of-town trips. 17.85 16.61 15.32 16.59 Television, radios, sound equipment............... 422.50 476.38 493.86 464.25 Televisions..................................... 295.95 328.75 331.31 318.67 Community antenna or cable tv................. 137.94 180.20 188.40 168.85 Black and white tv*........................... 2.84 1.81 3.06 2.57 Color tv--console............................. 23.60 18.13 21.37 21.03 Color tv--portable, table model............... 43.50 44.32 41.51 43.11 VCRs and video disc players................... 47.70 40.40 31.41 39.84 Video cassettes, tapes, and discs............. 13.44 17.60 18.88 16.64 Video game hardware and software.............. 14.88 15.04 16.25 15.39 Repair of tv, radio, and sound equipment...... 10.43 10.23 9.60 10.09 Rental of televisions......................... 1.61 1.03 0.81 1.15 Radios, sound equipment......................... 126.55 147.62 162.55 145.57 Radios*........................................... 4.84 10.24 10.71 8.60 Phonographs*...................................... 0.53 0.60 0.87 0.67 Tape recorders and players*....................... 10.50 5.75 5.32 7.19 Sound components and component systems............ 28.64 30.53 35.56 31.58 Miscellaneous sound equipment..................... 0.16 0.34 1.68 0.73 Sound equipment accessories*...................... 4.29 3.22 4.28 3.93 Compact disc, tape, record and video mail order clubs............................................ 4.17 8.04 8.97 7.06 Records, CDs, audio tapes, needles................ 25.86 29.54 31.01 28.80 Rental of VCR, radio, and sound equipment......... 1.59 0.70 0.79 1.03 Musical instruments and accessories............... 20.58 16.03 20.45 19.02 Rental and repair of musical instruments.......... 2.12 2.42 2.11 2.22 Rental of video cassettes, tapes, films, and discs 23.27 40.22 40.79 34.76 Pets, toys, and playground equipment................ 242.26 286.11 281.46 269.94 Pets.............................................. 136.31 168.99 167.12 157.47 Pet food*....................................... 66.61 85.02 84.94 78.86 Pet purchase, supplies, medicine*............... 25.23 23.73 24.72 24.56 Pet services.................................... 10.64 16.52 13.87 13.68 Vet services.................................... 33.84 43.72 43.58 40.38 Toys, games, hobbies, and tricycles............... 102.96 112.46 112.38 109.27 Playground equipment.............................. 2.98 4.66 1.96 3.20 Other entertainment supplies, equipment, and services........................................... 332.16 376.51 375.10 361.26 Unmotored recreational vehicles................... 24.02 14.05 33.20 23.76 Boat without motor and boat trailers............ 18.32 3.85 14.72 12.30 Trailer and other attachable campers............ 5.70 10.20 18.48 11.46 Motorized recreational vehicles................... 137.44 154.19 142.45 144.69 Motorized camper coaches and other vehicles..... 38.79 75.13 77.70 63.87 Purchase of boat with motor..................... 98.65 79.05 64.75 80.82 Rental of recreational vehicles................... 2.33 3.71 1.90 2.65 Rental noncamper trailer........................ 0.06 0.03 0.05 0.05 Boat and trailer rental, out-of-town trips...... 0.94 2.13 0.47 1.18 Rental of campers and other vehicles on out-of- town trips (old)............................... 0.58 NA NA 0.58 Rental of campers on out-of-town trips.......... NA 0.17 0.54 0.36 Rental of other vehicles on out-of-town trips... NA 1.09 0.40 0.75 Rental of boat.................................. 0.23 0.02 0.05 0.10 Rental of campers, other r.v.'s................. 0.52 0.27 0.39 0.39 Outboard motors................................... 1.28 1.91 2.17 1.79 Docking and landing fees.......................... 5.33 4.50 5.77 5.20 Sports, recreation and exercise equipment......... 86.67 111.11 102.67 100.15 Athletic gear, game tables, and exercise equipment...................................... 34.85 45.33 45.98 42.05 Bicycles........................................ 12.28 19.23 16.46 15.99 Camping equipment............................... 3.26 4.50 3.77 3.84 Hunting and fishing equipment................... 15.91 20.54 16.92 17.79 Winter sports equipment......................... 4.86 5.30 3.19 4.45 Water and miscellaneous sport equipment......... 13.20 14.50 14.68 14.13 Rental and repair of misc. sports equipment..... 2.31 1.70 1.68 1.90 Photographic equipment and supplies............... 69.61 81.69 81.66 77.65 Film............................................ 19.96 21.01 20.32 20.43 Other photographic supplies*.................... 0.64 1.43 0.17 0.75 Film processing................................. 25.21 28.58 27.09 26.96 Repair and rental of photographic equipment..... 0.24 0.55 0.39 0.39 Photographic equipment.......................... 15.43 14.65 13.47 14.52 Photographer fees*.............................. 8.12 15.47 20.23 14.61 Fireworks*........................................ 0.51 1.08 0.63 0.74 [[Page 61357]] Souvenirs*........................................ 0.44 0.45 1.21 0.70 Visual goods*..................................... 0.76 1.09 0.57 0.81 Pinball, electronic video games*.................. 3.78 2.72 2.88 3.13 Personal care products and services................. 345.68 418.96 408.21 390.95 Personal care products............................ 179.05 228.19 223.41 210.22 Hair care products*............................. 40.57 45.03 42.44 42.68 Nonelectric articles for the hair*.............. 4.26 6.41 5.35 5.34 Wigs and hairpieces............................. 1.07 1.77 1.23 1.36 Oral hygiene products, articles*................ 18.16 27.93 28.07 24.72 Shaving needs*.................................. 8.49 10.65 9.46 9.53 Cosmetics, perfume, bath preparation*........... 77.63 98.28 103.29 93.07 Deodorants, feminine hygiene, misc. personal care*.......................................... 23.52 32.28 28.78 28.19 Electric personal care appliances............... 5.35 5.85 4.80 5.33 Personal care services............................ 166.63 190.77 184.80 180.73 Personal care service for females*.............. 89.35 103.69 98.60 97.21 Personal care service for males................. 77.12 86.99 86.08 83.40 Repair of personal care appliances.............. 0.16 0.09 0.12 0.12 Reading............................................. 152.49 168.07 165.57 162.04 Newspapers........................................ 63.99 70.41 70.60 68.33 Magazines......................................... 38.92 39.74 38.78 39.15 Newsletters*...................................... 0.04 0.27 0.67 0.33 Books thru book clubs............................. 10.63 12.22 10.56 11.14 Books not thru book clubs......................... 35.24 40.22 41.38 38.95 Encyclopedia and other sets of reference books.... 3.67 5.21 3.58 4.15 Education........................................... 324.43 433.88 423.79 394.03 College tuition................................... 176.75 230.54 237.86 215.05 Elementary and high school tuition................ 53.20 65.77 69.99 62.99 Other schools tuition............................. 15.29 39.08 16.39 23.59 Other school expenses including rentals........... 15.78 17.66 18.40 17.28 School books, supplies, equipment for college..... 26.56 37.22 36.94 33.57 School books, supplies, equipment for elementary high school...................................... 6.23 6.41 6.89 6.51 School books, supplies, equipment for day care, nursery, other................................... 2.52 3.11 3.64 3.09 School supplies, etc.--unspecified*............... 28.10 34.10 33.67 31.96 Tobacco products and smoking supplies............... 242.33 277.79 278.59 266.24 Cigarettes........................................ 224.61 255.97 256.67 245.75 Other tobacco products............................ 15.28 18.68 19.51 17.82 Smoking accessories*.............................. 2.44 3.14 2.41 2.66 Miscellaneous....................................... 597.58 877.79 794.63 756.67 Miscellaneous fees, pari-mutuel losses*........... 38.61 48.28 60.93 49.27 Legal fees........................................ 104.50 80.65 88.62 91.26 Funeral expenses.................................. 49.32 54.07 51.73 51.71 Safe deposit box rental........................... 5.69 6.18 5.88 5.92 Checking accounts, other bank service charges..... 25.19 25.63 26.45 25.76 Cemetery lots, vaults, maintenance fees........... 17.66 15.42 16.64 16.57 Accounting fees................................... 39.87 46.16 47.58 44.54 Miscellaneous personal services*.................. 23.02 32.25 41.90 32.39 Finance charges excluding mortgage and vehicle.... 203.45 253.58 227.00 228.01 Occupational expenses............................. 90.26 99.47 109.07 99.60 Expenses for other properties..................... NA 207.48 110.86 159.17 Interest paid, home equity line of credit (other property)........................................ NA 1.77 0.80 1.29 Credit card memberships........................... NA 6.86 7.17 7.02 Cash contributions.................................. 730.19 1,040.14 1,020.99 930.44 Cash contributions to non-CU memb., incl. stud., alim., and child sup............................. 179.06 277.71 240.72 232.50 Gifts of cash, stocks and bonds to non-CU members. 149.99 219.98 249.31 206.43 Contributions to charity.......................... 69.16 97.36 105.65 90.72 Contributions to church........................... 295.54 407.43 378.37 360.45 Contributions to educational organizations........ 17.97 21.71 31.50 23.73 Contributions to political organizations.......... 7.29 7.64 7.22 7.38 Other contributions............................... 11.18 8.31 8.21 9.23 Personal insurance and pensions..................... 2,532.36 3,141.56 3,083.40 2,919.11 Life and other personal insurance................... 324.17 353.85 354.24 344.09 Life, endowment, annuity, other personal insurance 312.04 340.55 342.74 331.78 Other nonhealth insurance......................... 12.13 13.30 11.50 12.31 Pensions and Social Security........................ 2,208.19 2,787.71 2,729.16 2,575.02 Deductions for government retirement.............. 65.36 80.17 77.00 74.18 Deductions for railroad retirement................ 6.23 4.55 3.03 4.60 Deductions for private pensions................... 156.10 268.34 264.82 229.75 Non-payroll deposit to retirement plans........... 297.28 334.61 337.62 323.17 [[Page 61358]] Deductions for Social Security.................... 1,683.21 2,100.03 2,046.70 1,943.31 ---------------------------------------------------------------------------------- ------------------------------ *Data may not be statistically significant. Source: Bureau of Labor Statistics. Appendix 4.--Consumer Expenditure Surveys [Pre-published Data for All Consumer Units Nationwide*] ---------------------------------------------------------------------------------- ------------------------------ $10,000 $15,000 $20,000 $30,000 $40,000 to to to to to $50,000 $14,999 $19,000 $29,000 $39,000 $49,999 and over ---------------------------------------------------------------------------------- ------------------------------ Average income before taxes: 1988...................................... $12,320 $17,373 $24,591 $34,375 $44,331 $74,234 1991...................................... 12,430 17,301 24,816 34,402 44,548 79,902 1992...................................... 12,437 17,420 24,560 34,439 44,442 81,602 Average................................. 12,369 17,365 24,656 34,405 44,440 78,579 Goods and services: 1988...................................... 6,597.54 7,756.96 9,611.82 12,243.04 14,412.54 19,712.67 1991...................................... 7,262.65 8,319.82 9,715.90 13,134.61 14,944.06 21,598.60 1992...................................... 6,735.63 8,878.05 10,200.76 12,021.89 15,600.83 20,967.28 Average................................. 6,865.27 8,318.28 9,842.83 12,466.51 14,985.81 20,759.52 Food at home: 1988...................................... 1,809.23 1,954.49 2,174.01 2,556.74 2,906.55 3,109.86 1991...................................... 2,267.82 2,379.01 2,517.57 2,959.22 3,321.94 3,841.29 1992...................................... 2,060.61 2,473.08 2,558.40 2,785.24 3,265.99 3,799.25 Average................................. 2,945.89 2,268.86 2,416.66 2,767.07 3,164.83 3,583.47 Food away from home: 1988...................................... 968.10 1,240.03 1,591.02 2,030.75 2,375.06 3,186.24 1991...................................... 945.30 1,084.27 1,316.78 1,803.69 2,316.13 3,113.47 1992...................................... 841.79 1,201.22 1,405.80 1,771.87 2,354.17 3,131.93 Average................................. 918.40 1,175.17 1,437.87 1,868.77 2,348.45 3,143.88 Alcohol: 1988...................................... 182.87 235.22 290.56 343.77 352.96 506.47 1991...................................... 140.42 248.53 270.50 389.51 404.39 563.87 1992...................................... 200.85 223.45 324.37 313.65 374.96 590.09 Average................................. 174.71 235.73 295.14 348.98 377.44 553.48 Domestic services: 1988...................................... 82.78 119.28 166.06 275.08 311.41 321.27 1991...................................... 170.38 109.83 171.63 229.79 273.86 469.21 1992...................................... 151.62 129.29 147.99 222.40 398.61 559.53 Average................................. 134.93 119.47 161.89 242.42 327.96 450.00 Furnishings & household operations: 1988...................................... 956.43 1,145.52 1,509.87 2,010.78 2,306.76 3,895.22 1991...................................... 1,009.62 1,125.48 1,466.95 2,104.83 2,361.30 3,924.40 1992...................................... 970.65 1,370.53 1,587.26 1,932.32 2,427.52 3,651.88 Average................................. 978.90 1,213.84 1,521.36 2,015.98 2,365.19 3,823.83 Clothing: 1988...................................... 886.12 1,085.66 1,406.15 1,847.24 2,396.00 3,154.03 1991...................................... 1,093.80 1,178.28 1,325.86 1,951.82 2,186.30 3,520.50 1992...................................... 889.14 1,093.68 1,563.66 1,603.41 2,267.24 3,394.31 Average................................. 956.35 1,119.21 1,431.89 1,800.82 2,283.18 3,356.28 Recreation: 1988...................................... 895.72 969.87 1,333.46 1,695.89 2,224.56 3,435.75 1991...................................... 723.92 980.12 1,270.25 1,908.30 2,058.64 3,485.92 1992...................................... 755.24 1,146.23 1,302.99 1,726.85 2,558.20 3,374.39 Average................................. 791.63 1,032.07 1,302.23 1,777.01 2,280.47 3,432.02 Personal Care: 1988...................................... 249.04 282.21 324.70 420.30 478.79 651.43 1991...................................... 288.37 304.89 364.44 450.76 527.30 722.72 1992...................................... 229.68 340.56 376.85 405.19 528.27 702.54 Average................................. 255.70 309.22 355.33 425.42 511.45 692.23 Tobacco: 1988...................................... 221.48 250.05 262.82 292.87 249.43 270.28 1991...................................... 257.39 306.61 291.80 323.27 355.15 293.08 1992...................................... 242.99 287.66 296.57 321.75 321.76 300.33 [[Page 61359]] Average................................. 240.62 281.44 283.73 312.63 308.78 287.90 Professional Services: 1988...................................... 345.77 474.63 553.17 769.62 811.02 1,182.12 1991...................................... 365.63 602.80 720.12 1,013.42 1,139.05 1,664.14 1992...................................... 393.06 612.35 636.87 939.21 1,104.11 1,463.01 Average................................. 368.15 563.26 636.72 907.42 1,018.06 1,436.42 Housing: 1988...................................... 4,455.88 4,682.00 5,835.92 6,974.54 7,990.62 11,502.63 1991...................................... 4,700.82 5,318.86 6,091.15 7,384.48 8,488.72 12,253.50 1992...................................... 5,063.74 5,566.03 6,434.77 7,383.31 9,071.67 12,721.51 Average................................. 4,740.15 5,188.96 6,120.61 7,247.44 8,517.00 12,159.21 Transportation: 1988...................................... 3,127.01 3,840.91 5,302.92 6,704.50 7,779.21 9,714.71 1991...................................... 3,130.14 3,362.28 4,700.00 5,872.44 7,226.89 9,442.91 1992...................................... 2,853.92 3,398.88 4,904.01 5,824.45 7,113.95 9,664.47 Average................................. 3,037.02 3,534.02 4,969.31 6,133.80 7,373.35 9,607.36 Private transportation: 1988...................................... 2,949.99 3,657.04 5,020.99 6,314.44 7,333.94 8,884.42 1991...................................... 2,952.36 3,118.89 4,434.71 5,473.96 6,809.12 8,535.49 1992...................................... 2,704.31 3,171.96 4,570.31 5,504.80 6,638.47 8,663.84 Average................................. 2,868.89 3,315.96 4,675.34 5,764.40 6,927.18 8,694.58 Air fares and other transportation expenses: 1988...................................... 177.02 183.87 281.93 390.06 445.27 830.29 1991...................................... 177.78 243.39 265.29 398.48 417.77 907.42 1992...................................... 149.61 226.92 334.70 319.65 475.48 1,000.63 Average................................. 168.14 218.06 293.97 369.40 446.17 912.78 Miscellaneous: 1988...................................... 2,421.18 3,159.62 3,955.36 5,414.71 7,030.39 10,544.42 1991...................................... 2,831.11 3,165.50 4,318.05 5,771.11 7,086.75 12,656.03 1992...................................... 2,530.29 3,280.40 4,349.33 5,801.25 7,754.49 12,924.24 Average................................. 2,594.19 3,201.84 4,207.58 5,662.36 7,290.54 12,044.90 Health care: 1988...................................... 1,385.50 1,299.71 1,328.49 1,367.25 1,531.77 1,568.44 1991...................................... 1,350.11 1,422.83 1,559.13 1,612.87 1,690.72 2,137.27 1992...................................... 1,409.04 1,652.24 1,647.83 1,711.96 1,953.77 2,262.82 Average................................. 1,381.55 1,458.26 1,511.82 1,564.03 1,725.42 1,989.51 Cash contributions: 1988...................................... 352.83 486.72 529.28 781.16 956.30 2,102.92 1991...................................... 764.72 647.89 728.00 863.26 986.19 2,418.40 1992...................................... 509.71 515.63 688.17 834.21 1,424.12 2,515.30 Average................................. 542.42 550.08 648.48 826.21 1,122.20 2,345.54 Personal insurance: 1988...................................... 682.85 1,373.19 2,097.59 3,266.30 4,542.32 6,883.06 1991...................................... 716.28 1,094.78 2,030.92 3,294.98 4,409.84 8,100.36 1992...................................... 611.54 1,112.53 2,013.33 3,255.08 4,376.60 8,146.12 Average................................. 670.22 1,193.50 2,047.28 3,272.12 4,442.92 7,709.85 ---------------------------------------------------------------------------------- ------------------------------ *Data may not be statistically significant. Source: Bureau of Labor Statistics. Appendix 5.--Item Descriptions ------------------------------------------------------------------------ ------------------------------------------------------------------------ Food at Home: Ground Beef................................... Price per lb. of regular ground beef. Average size package. Loose, pre- packaged. Do not price lean. Round Steak, boneless......................... Price per lb. Average size package. 1st choice: Boneless top round steak. 2nd choice: Boneless bottom round steak. Round Roast, boneless......................... Price per lb. Average size package. 1st choice: Top round roast. 2nd choice: Rolled rump roast. Pork Chops, bone in........................... Price per lb. Average size package. 1st choice: Center cut rib chops. 2nd choice: Loin chops. Bacon, sliced................................. Price for 16 oz. (1 lb.) package Oscar Mayer regular sliced bacon. Chicken, whole................................ Price per lb. of 1 whole fryer chicken. If whole fryer not available, price a whole fryer chicken, cut-up. Fish Filet, frozen............................ Price per lb. of frozen ocean whitefish filet. [[Page 61360]] 1st choice: Cod or haddock. 2nd choice: Regional fish. Please record fish type in comment section. Tuna, canned.................................. Price for 6.13 oz. can chunk light, packed in water. (Not fancy style.) 1st choice: Star Kist. 2nd choice: Chicken of the Sea. Lunch Meat.................................... Price for 8 oz. pkg., Oscar Mayer. 1st choice: bologna. 2nd choice: cotto salami or all-beef bologna. Ham, canned................................... Price for 3 lb. tin of canned ham. 1st choice: Hormel. 2nd choice: Dubuque. Do not price Hormel's Supreme Cut ham. Frankfurters.................................. Price for 16 oz. (1 lb.) package, Oscar Mayer all beef frankfurters Eggs, large................................... Price for one dozen. Fish, fresh................................... Price per lb. of a salmon steak. Milk, 2%...................................... Price for one gallon (128 fluid oz.), 2%. Lowest priced store brand. Cheddar Cheese................................ Price for 10 oz. package. 1st choice: Kraft Cracker Barrel mild cheddar cheese. 2nd choice: Kraft Cracker Barrel sharp yellow cheddar cheese. Ice Cream..................................... Price for 1/2 gallon of Sealtest vanilla ice cream. Do not price ice milk. Bread, white.................................. Price for 16 oz. loaf of a regional brand of sliced, white bread. Do not price store brand. Please record brand in comment section. Spaghetti, dry................................ Price for 16 oz. box or bag of spaghetti. 1st choice: Creamettes. 2nd choice: Muehler's. 3rd choice: Golden Grain. 4th choice: American Beauty. Cereal........................................ Price for box of Kellogg's Corn Flakes. 1st choice: 18 oz. box. 2nd choice: Different size box of Kellogg's Corn Flakes. Cookies....................................... Price for 20 oz. package of Nabisco Oreo Cookies. Frozen Waffles................................ Price Kellogg's Eggo Waffles, price 12 waffle package. Hamburger Buns................................ Price for 12 oz. (340 grams) package of 8 sliced regional brand enriched white hamburger buns. Do not price store brand. Please record brand in comment section. Donuts........................................ Price for box of Hostess chocolate covered donuts. Apples, fresh................................. Price per lb. of Red Delicious apples. If apples are priced by the bag, report the price and weight of the bag--use the store's scale if necessary. Price medium-size apples if possible. Bananas, fresh................................ Price per lb. If bananas are priced by the bunch, report the price and weight of the bunch--use the store's scale if necessary. Tomatoes, fresh............................... Price per lb. Price medium-size tomatoes if possible. Do not price organic or ``hydro'' fresh tomatoes. Potatoes...................................... Price for 10 lb. bag of lowest priced white potatoes. If 10 lb. bag is not available, substitute nearest size sack. Please price potatoes by the bag since potatoes priced by the pound are not comparable to bagged potatoes. Frozen Orange Juice........................... Price for 12 fluid oz. (makes 48 fluid oz.) can of Minute Maid frozen orange juice concentrate. Tomato Juice.................................. Price for 46 fluid oz. can of tomato juice. 1st choice: Campbell's. 2nd choice: Libby's. Peaches, canned............................... Price for 16 oz. can of sliced yellow cling peaches. 1st choice: Del Monte. 2nd choice: Libby's. Peas, frozen.................................. Price for 16 oz. pkg. of Green Giant frozen peas. Do not price peas with sauce. Green Beans, canned........................... Price for 16 oz. can of Del Monte green beans. Oranges, fresh................................ Price per lb. of Florida oranges. If oranges are priced by the bag or by the orange, report the price and weigh a bag--using the store's scale if possible. Price navel medium-size oranges if possible. Lettuce, fresh................................ Price for 1 head of iceberg lettuce. If lettuce is priced by weight, report the price and also report the weight of an average head. Celery, fresh................................. Price for 1 bunch of celery. Do not price celery hearts. Fruit Drink................................... Price for 46 fluid oz. can. 1st choice: Hawaiian Punch. 2nd choice: HI-C regular. Soft Drink.................................... Price for 2 L (liter) plastic bottle. 1st choice: Coca- Cola. 2nd choice: Pepsi. Coffee, ground................................ Price for 13 oz. can of ground coffee. 1st choice: Folger's Drip Grind. 2nd choice: Maxwell House. Canned Soup................................... Price for one can Campbell's soup. 1st choice: Vegetable 10\1/2\ oz. 2nd choice: Chicken Noodle 10\3/4\ oz. Snack Food.................................... Price for 6 oz. bag or box of potato chips. 1st choice: Ruffles. 2nd choice: Lays Dip Chips. [[Page 61361]] Salt.......................................... Price for 26 oz. box of iodized salt. 1st choice: Morton. 2nd choice: Ivory. 3rd choice: Private Label. Ketchup....................................... Price for 28 oz. plastic squeeze bottle of ketchup. 1st choice: Heinz. 2nd choice: Del Monte. Cooking Oil................................... Price for 48 fluid oz. bottle. 1st choice: Crisco. 2nd choice: Wesson. Margarine..................................... Price for 1 lb., four sticks. 1st choice: Blue Bonnet. 2nd choice: Parkay. Frozen Dinner................................. Price for 11.5 oz. (326 grams) Swanson- Turkey, whipped potatoes, peas, and fruit compote, frozen dinner. Jello Gelatin................................. Price for 3 oz. box of Jello Gelatin desert. Baby Food..................................... Price for one 4.0 oz. jar of Gerber Second Foods strained vegetable or fruit. Candy Bar..................................... Price for one 2.07 oz. Snickers candy bar. If not available, price most popular brand of same size. Sugar, granulated............................. Price for 5 lb. bag of granulated cane or beet sugar, lowest price available. Do not price generic sugar. Bottled Water................................. Price for one gallon (store brand) (128 fluid oz.) bottled spring water. Do not price sparkling or distilled water. Food Away from Home: Breakfast..................................... Price for typical breakfast, such as, bacon and 2 eggs or waffles, coffee and juice. Report percentages added for tax, tip and service charge. Lunch......................................... Price for typical lunch, such as, chef's salad or cheeseburger platter and small soft drink. Report percentages added for tax, tip and service charge. Dinner........................................ Price for typical dinner, such as, New York strip or seafood platter and coffee. Report percentages added for tax, tip and service charge. Fast Food Lunch/Dinner........................ Average price of a meal at fast food establishment. Price for typical meal, such as, Big Mac or Whopper, medium french fries and medium coke. Ice Cream Cone................................ Price for regular (one scoop) vanilla ice cream cone. Tobacco: Cigarettes, king size......................... Price for 1 carton (200 cigarettes) of Winston filter- kings soft pack. Do not include sales tax. Alcohol: Beer at Home.................................. Price for a six-pack of 12 oz. cans of Budweiser (Puerto Rico--10 oz). Do not price refrigerated beer. Wine at Home.................................. Price for 750 ml. Gallo white chablis blanc. Beer Away..................................... Price for glass of Budweiser/Miller Lite beer. List percent for tax. Wine Away..................................... Price of house white wine. List percent for tax. Furnishings, Household Operations: Appliance Repair.............................. Price to replace digital clock and heating probe for Maytagoven Model #CRE9400ACL, Serial #1000100HB, Series #10. Include hourly rate, trip charge and parts cost. Housekeeping Services......................... Price per hour for bi-weekly cleaning. House approximately 2,000 sq. ft. Family size four. Please complete items in the Comment Section. Services include the following: Bathroom(s)--Sanitiz e walls, floor, counter tops, bathtub, stool. Kitchen--Sanitize walls, floor, counter tops, cabinets, appliances. Living Room & Dining Room--Dust, polish furniture and vaccum. Bedrooms--Dust, polish furniture and vacuum. If other services are included, please note. Moving........................................ Price per hour for a within-city move, two men with enclosed van. Include any van rental fees. Toilet Tissue................................. Price for a 4 roll pack. 1st choice: Cottonelle. 2nd choice: Northern. Pen........................................... Price for 10 pack Bic round stic medium pen. Postage....................................... Price for First Class postage for a letter. Laundry Soap.................................. Price for 100 fluid oz. of liquid household laundry detergent. 1st choice: Tide. 2nd choice: Cheer. Plant Food.................................... Price for 8 oz. container of indoor plant food. 1st choice: Miracle Grow. 2nd choice: Peters. Bed Sheet Set................................. Price for one set queen-size no-iron cotton & polyester percale sheets (180 thread count). One set consists of one fitted sheet, one flat sheet and two pillowcases. Do not price designer sheet sets. Price sheet sets with a minimum design. Bath Towel.................................... Price for a 2750 inch Cannon Portofino bath towel made of 100% cotton. Living Room Chair............................. Price for a recliner chair, that is button backed with base construction of 15 zigzag springs. 1st choice: Lane. 2nd choice: Lazy Boy. Do not price special order fabric. Bedroom Group................................. Price for nightstand, headboard, 5-drawer chest, triple dresser with mirror. Solid wood top, front mirror frame and headboard. Veneer sides. Drawer construction should have French dovetail or English dovetail joints and dust plate. [[Page 61362]] Dining Room Table............................. Price for table with center pedestal and four standard double rung chairs. Table should have veneer top and double runners for leaves with both portions of the table moveable. Washing Machine............................... Price for large capacity washing machine with 4 water temperatures, 8 wash cycles, 4 water levels, white porcelain tub, self- clean lint filter, fabric softener dispenser and 2 speed combinations. 1st choice: Maytag Model #LAT9604. 2nd choice: General Electric Model #WWA8600. 3rd choice: Whirlpool Model #LLR6233B. Kitchen Range................................. Price for 30-inch electric range with upswept cooktop, removable coil elements, electronic clock with timer, oven light, delay-start cook control, storage drawer, self-cleaning oven with two oven racks and a porcelain enamel broiler pan. 1st choice: Maytag Model #CRE9400. 2nd choice: General Electric Model #JBP55GS. 3rd choice: Whirlpool Model #RF385PXYW. Refrigerator.................................. Price for no-frost top-mount 21 cubic ft. refrigerator with reversible doors and energy saver switch, 4 split glass shelves, fixed glass crisper shelf with 2 sealed/ moisture controlled crisper drawers, double wall meat drawer. Door contains 2 covered dairy compartments, 1 deep fixed bin, 4 deep adjustable bins. Freezer has 2 adjustable wire shelves, 2 deep fixed door bins and 4 ice trays. 1st choice: Maytag Model #RTD2100CAE. 2nd choice: General Electric Model #TBX22PAS. 3rd choice: Whirlpool Model #ET22PKXB. Vacuum........................................ Price for upright vacuum cleaner with 6.5 amps, 120 volts, six above- the-floor attachments, height adjustment, regular bag and 20-foot cord. 1st choice: Eureka Model #9334AT. 2nd choice: Hoover Model #U4671-930. Two-Slice Toaster............................. Price for two-slice toaster, chrome body, wide slot with pastry defrost setting. 1st choice: Proctor- Silex Model #T620B. 2nd choice: Black & Decker Model #T200. Casserole Dish Set............................ Price for Corning- Ware trio casserole set with 1 qt., 1.5 qt., and 2 qt. dishes and 3 covers (two plastic covers and one glass). China......................................... Price for the Corelle Impressions line Abundance pattern tableware set. Set consists of 20 pieces: 4 dinner plates, 4 luncheon plates, 4 bowls, 4 cups, and 4 saucers. The pattern is beige with a fruit and flower motif. Electric Drill................................ Price for 6.0 volt reversible cordless electric drill with overnight recharge. 1st choice: Black & Decker Model #Cd2000. 2nd choice: Skil Model #2305. Lawn Trimmer.................................. Price for gas powered 31 cc. two- cycle engine single line lawn trimmer with a 17 inch wide cut. Red Roses, fresh cut.......................... Price for one dozen long stemmed, fresh cut red roses. Hammer........................................ Price for Stanley curved claw hammer with a 16 oz. head, wood handle, high carbon steel head, black finish. Overall length 13\1/ 4\''. 1st choice: Model #51616. 2nd choice: Model #51416. Window Shade.................................. Price 37\1/2\ inch wide window shade. Toilet Lid Cover.............................. Price for Cannon Portofino standard toilet lid cover made of 100% nylon. Clothing: Man's Suit.................................... Price for two-piece single-breasted business suit of the type generally worn to the office. Conservatively colored and styled with a fabric blend of 45% wool and 55% polyester. Man's Jeans................................... Price of straight leg regular fit jeans. 1st choice: Levi's #505. 2nd choice: Lee regular fit. Do not price bleached jeans. Man's Dress Shirt............................. Price for white or solid color, long sleeve, button cuff, plain collar dress shirt, approximately 35% cotton, 65% polyester. A dress shirt will have exact collar and sleeve sizes. Example: 15\1/2\ collar, 34 sleeve. Possible brands: Arrow, Van Heusen. Man's Jacket.................................. Price for unlined Levi's jean jacket. Cotton denim with button front, two chest pockets and two side pockets. Boy's Jeans................................... Price of loose fit jeans (size 8-14). 1st choice: Levi's #560. 2nd choice: Lee loose fit. Boy's Shirt................................... Price for screen- printed t-shirt commonly worn by boys ages 8 through 10 years (size 7- 14). Pullover with crew neck, short sleeves and polyester/cotton blend. Possible brand: Ocean Pacific. Man's Undershirt.............................. Price for white 100% cotton undershirts with short sleeves, set of three. If not in set of three, report the number of undershirts in package. Possible brands: Hanes, Fruit of the Loom. Woman's Dress................................. Price for misses mid- sleeve shirt waist dress appropriate for office attire. Exclude any unusual ornamentation. The dress should be unlined and 100% rayon. Possible brands: Stewart Allen, Lesley Fay. Woman's Blouse................................ Price of 100% polyester, white, long sleeve, button front blouse with minimum trim. Possible brands: Wrapper, Girls, Girls, Girls. Woman's Slacks................................ Price for misses unlined slacks appropriate for office attire. The slacks should be a blend of cotton and polyester without a belt. Possible brands: Donnkenny, Alfred Dunner. [[Page 61363]] Woman's Sweater............................... Price for 100% cotton, crew neck sweater with rib knit cuffs and bottom. Exclude any unusual ornamentation or patterns. Woman's Jacket................................ Price for unlined windbreaker. Woman's Accessories........................... Price for split- grain, cowhide leather, checkbook clutch wallet. Possible brands: Michael Stevens, Mundi. Girl's Dress.................................. Price of cotton blend long-sleve dress appropriate for school. Exclude extra ornamentation. For girls ages 8 through 10 (size 7- 14). Possible brand: Carter's. Girl's Jeans.................................. Price of Levi's #550 jean. For girls ages 8 through 10 years (size 7-14). Girl's Blouse................................. Price of cotton blend, white or solid color, long sleeve, button front blouse. For girls ages 8 through 10 years (size 7-14). Possible brand: This Side Up. Infant's Sleeper.............................. Price for one-piece sleeping garment with legs, covering the body including the feet. Possible brands: Gerber, Playskool. Disposable Diaper............................. Price for 40 count package Pampers, (child 12-18 lbs.). Do not price larger size diapers. Man's Shoes................................... Price for 100% leather wing tips. Possible brands: Bostonian, Johnston and Murphy. Woman's Shoes................................. Price for woman's pump style shoes with encolsed heel and toe, leather uppers and the rest of man-made materials. Heel height should be approximately two inches. Possible brands: 9 West, Candies. Jewelry....................................... Price for one pair 6mm 14K gold ball earrings for pierced ears. Coin Laundry.................................. Price for one load of laundry using a regular size, top loading commercial washing machine. Do not include cost of drying. Dry Clean Man's Suit.......................... Price to dry clean a man's 2-piece business suit of typical fabric. Domestic Service: .................... Day-Care...................................... Price for one month of day-care for a three-year-old child (5 days a week, about 8 hours per day). If monthly rate is not available, price per week. Babysitter, per hour.......................... Average hourly rate for one child, age four years, evening, before midnight. (Teenager in your home.) Do not Price babysitting service. Special Instructions: If typical for your area, you may wish to obtain quotes from friends/ acquaintances in your area who use teenage babysitters. Professional Services: .................... Legal Services................................ Hourly rate for general counsel. Accounting Services........................... Hourly rate for individual tax work (not business). Personal Care: .................... Woman's Cut and Styled Blow Dry............... ``Regular service'' price for a woman's cut and styled blow dry. Include wash. No curling iron if extra charge. Man's Haircut................................. Price of a man's typical haircut. Do not include wash. Lipstick...................................... Price for one tube of Revlon lipstick. 1st choice: Super Lustrous. 2nd choice: Moondrops. Shampoo....................................... Price for 15 fluid oz. bottle of Revlon Flex shampoo for normal hair. Recreation: Bowling....................................... Price for 1 game of open (or non- league) bowling on Saturday night. Exclude cost of shoe rental. Golf.......................................... Price for 18 holes of golf on a weekend. If only 9 hole rate is available, report twice the price. If only daily rate is available (unlimited number of holes), report the Saturday or Sunday rate. Movie Theater................................. Typical adult price for regular length evening film. Report weekend evening price if different from weekday. Health Club................................... Price for regular individual membership for 1 year for existing member. Do not include any initial fees assessed only to new members. If yearly rate is not available, price per month. Piano Lessons................................. Price for private lesson for a beginner one-half hour in length. Video Rental.................................. Price to rent one video tape of recently released movie, Saturday night (1 day) rate. Non-member fee. Video Recorder................................ Price for VCR with 4 video heads, double azimuth, unified TV/ VCR remote, one- year eight event timer, auto tracking, LED display, and HI-FI stereo. 1st choice: Zenith Model #VRm4120. 2nd choice: Sony Model #SLV720HF. Compact Disc.................................. Regular price for a current best- selling CD. Not sale price. Do not price double CD. Example: VS. by Pearl Jam, Purple by Stone Temple Pilots. Please record title in comment section. Compact Disc Player........................... Price 5 disc CD player with rotary changer system, 10 key access, 32 track programming, 8 times oversampling, and a remote. 1st choice: Sony Model #CDPC545. 2nd choice: Panasonic-Technics Model #SLPD867. Color Television.............................. Price for 20'' table model color TV with a remote, auto channel search, closed captions, sleep timer, on- screen channel/time and menus, channel flashback, and 181 channel tuning. 1st choice: Zenith Model #SM52049. 2nd choice: Sony Model #KV20TS29. Basic Cable Service........................... Price for one month of basic cable channel TV. Do not include hookup charges or premium channels. Veterinary Services........................... Typical fee for general office visit for a heartworm test for a small dog. Include the cost of the office visit. Pet Food...................................... Price for 5.5 oz. can of cat food. [[Page 61364]] 1st choice: Purina. 2nd choice: 9 Lives. Film Developing............................... Price to process and print 35 millimeter, 24 exposure, 100 ASA color. Single prints only please. Camera Film................................... Price for 35 millimeter, 24 exposure, 100 ASA Kodak camera film. Tennis Balls.................................. Price for can of three heavy-duty felt, yellow, tennis balls. 1st choice: Wilson. 2nd choice: Penn. Board Game.................................... Price for Monopoly board game by Parker Brothers. Do not price deluxe edition. Book.......................................... Price for top ten best selling paperback book. Magazine...................................... Price for a single copy of Time magazine. Local Newspaper............................... Price for one year of the most common daily paper (including Sunday edition) distributed in the area. Report the name of the newspaper in the comment section. Miscellaneous Expense Component: Pain Reliever................................. Price for 60 tablets of extra-strength Tylenol. Do not price caplets or gelcaps. Tetracycline, prescription.................... Price of 40 capsules of tetracycline, 250 milligram strength. Report price for most common national brand sold. Optometrist, office visit..................... Typical fee for visual analysis including tonometry, refraction and glaucoma screening. Dentist, clean and check teeth................ Charge for x-rays, exam and prophylaxis (light scaling and polishing) or ``cleaning of teeth'' without special treatment of gums or teeth. Do not price initial visit. Doctor, office visit.......................... Typical fee, after the initial visit, for an office visit when medical advice or simple treatment is needed. Do not include the charge for a regular physical examination, injections, medication or lab tests (routine brief visit). Price general practitioner, do not price specialist. Hospital Room................................. Daily charge for a private room. Include food and routine care. Exclude cost of operating room, surgery, medicine and lab fees. Housing-Related Component: Bathroom Caulking............................. Price a 5.5 ounce plastic tube of latex white bathroom caulking. This is not a caulk gun cartridge. Possible Brand: DAP Kwik Seal Tub & Tile. Computation of Electric Bill.................. Average monthly consumption: Customer service charge (single phase service): Cost for first KWH: Cost for over first KWH: Other items included on bill: Comments: Computation of Gas Bill....................... Average monthly consumption: Customer service charge: Cost for first Cu. Ft.: Cost for over first Cu. Ft.: Other items included on bill: Comments: Computation of Water Bill..................... Average monthly consumption: Customer service charge: Cost for first ____ Gallons: Cost for over ____ Gallons: Other items included on bill: Comments: Electrical Outlet............................. Please price a 2- plug grounded electrical outlet. Medium priced. Price blister pack or cardboard mounted (individually packaged). Do not price loose electric outlet. Possible brands: GE, Levitron. Electrical Work............................... Price to add circuit breaker for dishwasher. Cut \3/ 4\ inch hole in wooden floor for cable. Connect dishwasher directly to power box (power box is easy to reach). Exclude cost of materials. Fire Extinguisher............................. Please price a fire extinguisher with a UL rating of 10BC, 2.5 pound size. Suggested brand: Kidde. Interior Painting............................. Price to paint 12' x 14' living room with 8' ceilings. Walls are plaster or drywall in good repair. Two standard sized sash windows, one picture window, one standard wood door. Rooms have simple wood baseboards and trim. Existing paint is latex, flat white, smooth finish, about three years old. Trim paint is latex, white, gloss enamel, about three years old. Walls and trim require no surface preparation. Obtain labor rate per hour, flat charge if any, and estimated time to complete job. Latex Interior Paint.......................... Please price one gallon white, interior flat latex paint. Price a national brand with one coat coverage. Possible brands: Dutch Boy, Gildden. Pest Control.................................. Price for basic pest control maintenance (one visit to control crawling insects, not wood eating), based on the inside of a 1,200 sq. ft. single story home. Price followup maintenance only, not the initial application. Unclog Drain.................................. Price to unclog kitchen sink drain by mechanical means (snake, auger, etc.). Only include pipe removal to access trap if necessary. Kitchen Faucet................................ Price a Peerless single control chrome-plated faucet with spray. Faucet is solid brass and stainless steel quality construction with copper waterways, washerless design and triple chrome plating. Warrantied for as long as the home is owned. [[Page 61365]] Real Estate Taxes............................. Call the local tax assessor office and/ or local tax collector/treasurer for each living community in the report. Request the current real property tax rate, any special charges that are added to the tax bill and any homestead credits that might be deducted from the bill. Ask when properties were last assessed and what base year tax rate should be applied to. Request information as to what month rates are certified and when bills are mailed. Verify any significant increases or decreases from previous records. Long Distance Telephone....................... Price the cost of a 10 minute call, received on a weekday, at each location at 8:00 p.m. (local time); direct dial from the location being surveyed to each of the following cities; New York, Chicago and Los Angeles. Include any federal, state, local or excise tax that is applicable. Telephone Service............................. Obtain monthly cost for unmeasured service, for touchtone service, and for tax. Homeowner Insurance........................... For each community surveyed based on income level, secure the annual renewal premium for HO-2 type coverage. If the company does not refer to the coverage as HO-2 obtain the cost for a comprehensive coverage that covers ``all risk for dwelling and named peril for contents'' with contents at replacement value. Renter Insurance.............................. For each living community surveyed based on income level, provide renter housing profile and insurance cost (semiannual or other). Assume HO-4- type coverage. Homeowners: The profiles for each of the home sizes costed are as follows: Low....................................... 900 (Sq. Ft.) Mid....................................... 1,300 (Sq. Ft.) High...................................... 1,700 (Sq. Ft.) The worksheet components for data collection are as follows: (1) Address (2) Selling Price (3) Sale Date (4) Age (5) Room Count (broken down into bedrooms and baths) (6) Square Footage (7) Price Per Square Foot Information was collected through various sources--Real Estate Professionals, Appraisers, MLS data, assessors' offices and private sources. Data Collection for Aged Mortgages: The worksheet components for data collection for aged mortgages are as follows: (1) Address (2) Selling Price (3) Sale Date (4) Age (5) Room Count (broken down into bedrooms and baths) (6) Square Footage (7) Price Per Square Foot Transportation Component: Vehicles...................................... 1994 Honda Civic DX four door sedan, 1.5 Liter 4 Cylinder. 1994 Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder. 1994 Chevrolet S10 Blazer Two Door, four wheel drive, 4.3 Liter 6 Cylinder. Base Price.................................... Obtain the base price (Manufacturer's Suggested Retail Price) for each vehicle. Options....................................... For each vehicle, price the following options: air conditioning, AM/FM stereo radio, power steering, tinted glass, power disc brakes, rustproofing and other options. Fees.......................................... For each vehicle, price the following options: destination charge, shipping charge, dealer markup, documentation fees and other one-time fees. Taxes......................................... For each vehicle, price the following taxes: excise tax, import/customs tax, use tax, sales tax and other one-time taxes. Specifications................................ For each vehicle, obtain the following information: length, wheelbase, tires, curb weight, horsepower, fuel type and fuel performance (mpg). Depreciation.................................. For each vehicle, compute the residual value after 12, 24, 36 and 48 months respectively. Gasoline...................................... For each station name/brand, price regular unleaded self-service. Tune-Up....................................... For each vehicle, price a basic tune- up. Include parts and labor for the following: replace spark plugs, PCV valve, fuel filter, air filter, and breather filter. Check distributor cap, rotor, timing, and idle. Oil Change.................................... For each vehicle, price an oil change. Include parts and labor for the following: drain old oil, replace oil filter and refill with five quarts of 10W30 SG grade oil. If SG grade is unavailable, price SF grade oil. Change Automatic Transmission Fluid........... For each vehicle, price to change automatic transmission fluid. Include parts and labor for the following: remove transmission pan, drain transmission fluid, replace transmission filter, replace transmission pan gasket, replace transmission fluid, and test vehicle. [[Page 61366]] Coolant Flush and Fill........................ For each vehicle, price to flush and fill engine coolant. Include parts and labor for the following: remove old coolant, flush contaminants, and replace with new coolant. Muffler System................................ For each vehicle, price a complete muffler system. Include parts and labor for the following: install all parts after the catalytic converter. These parts include mid pipes, clamps, muffler, and tail pipes. Miscellaneous Tax............................. For each vehicle, price miscellaneous tax. Tell how rate is determined, give formula for new vehicle purchase, give formula for subsequent year (2 to 5) and explain billing. Tires......................................... Price a P175/70R13 for the Honda Civic. Price a P205/ 70R15 for the Ford Taurus L. Price a P235/R15 for the Chevrolet S10 Blazer in DC area. License and Registration...................... For each vehicle, price title fee, passenger vehicle registration fees, plate fees, inspection fees, administration/ clerical/other fees and local added fees. Specify if one-time or annual. List any exceptions if the Blazer is not registered as a passenger vehicle. Automobile Finance............................ Obtain the rate for a four year loan based on a down payment of 20 percent. Assume the loan applicant is a current bank customer who will make payments by cash/check and not by automatic deduction from the account. Automobile Insurance.......................... For each vehicle, price insurance coverage identified below. Assume that vehicles are used in commuting 15 miles/day, 12,000 miles/year and that the driver is a 35- year-old married male with no accidents or violations in the last five years. When there is a geographic difference, obtain rates for two different living communities. Include related expense fees and taxes. Bodily Injury, $100,000/$300,000. Property Damage, $25,000. Medical, $15,000 or Personal Injury Protection, $50,000. Uninsured Motorist, $100/$300,000. Comprehensive, $100 Deductible. Collision, $250 Deductible. Round-Trip Airfare............................ Price for lowest cost round trip ticket to Los Angeles, CA. Disregard restrictions. ------------------------------------------------------------------------ Appendix 6.--Pricing Changes [Foods and Services/Miscellaneous Expenses/Housing Related] ------------------------------------------------------------------------ Previous Current Reason ------------------------------------------------------------------------ 1. Cheddar Cheese: Per pound............... 10 oz. package...... New packaging. 2. Donuts: 12 glazed............... 10 chocolate covered Discontinued. 3. Appliance Repair: Price to replace oven Price to replace More comparable thermostat control for digital clock and item. Maytag Model #CRE9400. heating probe for Include hourly rate, Maytag Model trip charge, and parts #CRE9400ACL, Serial cost. Part Number #1000100HB, Series #7430P010-60. #10. Include hourly rate, trip charge, and parts cost.. 4. Washing Machine: 3 wash cycles........... 8 wash cycles....... Better description. Maytag #LAT7793......... Maytag #LAT9604..... New model number. General Electric General Electric New model Number. #WWA7600R. #WWA8600. Whirlpool #LLR6233A..... Whirlpool #LLR6233B. New model number. 5. Kitchen Range: General Electric General Electric Model number #JBP5565. #JBP55GS. clarification. 6. Refrigerator: Whirlpool #ET22RKXZ..... Whirlpool #ET22RKXB. New model number. 7. Vacuum: Hoover #U4671-910....... Hoover #U4671-930... New model number. 8. Girl's Jeans: Price of Levi's #902 Price of Levi's Discontinued. basic relaxed taper #550.. jean, two back pockets and two front pockets. 9. Disposable Diapers: 44 count................ 40 count............ Product marketing change. 10. Video Recorder: Zenith #VRL4110......... Zenith #VRM4120..... New model number. Sony #SLV700HF.......... Sony #SLV720HF...... New model number. 11. Compact Disc: ``Janet'' by Janet ``VS.'' by Pearl Jam Current bestselling Jackson. titles. ``Unplugged'' by Rod ``Purple'' by Stone Stewart. Temple Pilots. 12. Compact Disc Player: Sony #CDPC535........... Sony #CDPC545....... New model number. Panisonic-Technics Panisonic-Technics New model number. #SLPD847. #SLPS867. 13. Color Television: Zenith #SLS2049......... Zenith #SMS2049..... New model number. 14. Bathroom Caulking: [[Page 61367]] Price an 8 ounce tube of Price a 5.5 ounce New Size and more specific white bathroom plastic tube of description. caulking, most popular latex white brand. bathroom caulking. (Not a caulk gun cartridge.) Suggested brand: DAP KWIK SEAL Tub & Tile. 15. Interior Painting: Obtain labor rate, per Flat charge for More specific hour, flat charge, if painting standard discription. any, and estimated time living room. If to complete the job. flat fee unavailable, obtain hourly rate and the total hours necessary to complete job. ------------------------------------------------------------------------ Appendix 7--Nonforeign Area Cost-of-Living Allowances Price Survey Data Collection Procedures Survey Description The following information will be provided to the participants verbally or in writing. Participants who are familiar with the program and the survey may be provided with less information as appropriate. Purpose The Federal Government pays cost-of-living allowances (COLA) in Alaska, Hawaii, and certain U.S. territories and possessions. Living cost differences are determined by comparing costs of goods, services, housing, transportation, and other items in the allowance area with the cost of the same or similar items and services in the Washington DC area. The U.S. Office of Personnel Management (OPM) is responsible for the operation of the COLA program. Data Collection OPM, or its representative, conducts annual Price Surveys to determine living cost differences. Local governments, retail outlets, realty firms, and businesses providing professional and other services to be surveyed are identified through the use of full-scale Background Surveys, conducted approximately once every five years. Participation in the Price Surveys is voluntary. Data are collected by telephone and/or personal interview. Wherever practical and appropriate, the price of each good or service is obtained from at least three outlets in each allowance area and at least six outlets in the reference area (i.e., the Washington, DC, area). Realty data may be obtained from one or multiple sources, as appropriate. Release of Information The price data collected from participating firms may be made available to Congress or to the general public upon request. This includes the name of the company and prices of items or services surveyed. The names of proprietors, managers, or other individuals who provide price information generally will not be made public. However, the Government may release the names of individuals who, on the basis of their expertise, provide opinions or estimates. Public Burden Information Public burden reporting for this collection of information is estimated to vary from 1 to 20 minutes per response. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden to Reports and Forms Management Officer, U.S. Office of Personnel Management, 1900 E Street, NW., Room CHP 500, Washington, DC 20415; and to the Office of Management and Budget, Paperwork Reduction Project (3206-0199), Washington, DC 20503. Nonforeign Area Cost-of-Living Allowances Price Survey Data Collection Procedures Interview Guidelines Three types of information are collected in Price surveys: Price of goods and services, rental rates and related information, and home prices and related information. The following are the typical interview questions used to collect these data. Price Information Collection 1. What is the regular (non-sale) price of ____________________ (a specific item or service)? Examples of items include, but are not limited to: Chuck Roast, Bone In. Price per pound. Average size package (e.g., not a ``family'' or ``bonus'' pack). 1st Choice: Arm pot roast. 2nd Choice: Eye roast. Peas, Frozen. Price for 10 ounce package. 1st Choice: Bird's Eye. 2nd Choice: Major brand of equivalent quality. Men's Jeans. Price for one pair of blue jeans. 1st Choice: Levi's #501 jeans. 2nd Choice: Equivalent quality jeans. Automobile, New. ``Sticker'' price of current year model Honda Civil DX, four door sedan, 1.5 liter, four cylinder engine. (Price options, fees, financing, and taxes separately.) Example of services include, but are not limited to: Woman's Haircut and Styling. ``Regular service'' price for a woman's cut and style blow dry. Include wash, but do not include use of curling iron if there is an extra charge. Unclog Drain. Price to unclog kitchen drain by mechanical means (snake, auger, etc.). Only include pipe removal of necessary to access trap. Film Developing. Price to process and print 35 millimeter, 24 exposure, 100 ASA color roll film. Single prints only, standard size and finish. Doctor, Office Visit. Typical fee, after the initial visit, for an office visit when medical advice or simple treatment is all that is needed. Do not include the charge for a complete physical examination, injections, medication, laboratory tests, or similar services. Oil Change. Price of a regular oil change including oil and filter for a current year model Honda Civic DX sedan, 1.5 liter, 4 cylinder engine. 2. Prices of many of the items can be obtained ``off-the-shelf'' without assistance. Occasionally, when a specific item is not available, assistance from sales or other personnel may be required to identify and price substitution items of comparable quality and quantity. 3. Prices of most services are obtained by telephone or personal interview. A few services are priced with little or no assistance. For example, prices may be obtainable from a displayed price schedule, list, or menu. Housing Component--Rental Information Collection 1. Describe the location, size, layout, number and types of rooms, and square footage of your rental units. 2. Are they apartments, duplexes, town houses, detached houses, or other types of units? Describe. 3. Are there additional amenities (e.g., pool, sauna, tennis courts, gym)? If so, describe. 4. What is the monthly rent? What is the amount of the security deposit (if any)? What other kinds of fees or assessments are there? 5. Are utilities included? Which ones? If you can, please provide information on average monthly or annual costs of utilities paid by tenants. 6. Are term leases usually required? What are the conditions and penalties associated with the lease? 7. Are there any special restrictions or other factors we should know about (e.g., seasonal tourist trade)? Housing Component--Information Collection for Comparable Sales 1. Describe the location, size, layout, number and types of rooms, and square footage of some your recent home sales. [[Page 61368]] 2. Were they condominiums, duplexes, town houses, detached houses, or other types of dwellings? Describe. 3. Were there any atypical characteristics (e.g., extra large lot sizes, beach front, desirable/undesirable locations)? 4. Are there additional amenities provided by the developer, homeowners association, or similar community group (e.g., pool, sauna, tennis courts, gym)? If so, describe facilities and charges. 5. What was the selling price and date of sale? 6. What are the real estate taxes? 7. Do you have any data on utilities relating to these homes? 8. In the past year or so, what has been the average appreciation rate of property in this community? Looking back over the past six years, has this rate changed? How? 9. Describe current market conditions (e.g., soft, booming, so- so). How has this affected housing prices? Describe the housing market over the past six years. 10. Are there any special considerations or other factors we should know about (e.g., retirement/tourist trade) that might affect the housing market in this community? BILLING CODE 6325-01-U-M [[Page 61369]] [GRAPHIC][TIFF OMITTED]TN29NO95.000 [[Page 61370]] [GRAPHIC][TIFF OMITTED]TN29NO95.001 [[Page 61371]] [GRAPHIC][TIFF OMITTED]TN29NO95.002 [[Page 61372]] [GRAPHIC][TIFF OMITTED]TN29NO95.003 BILLING CODE 6325-01-C [[Page 61373]] Nonforeign Area Cost-of-Living Allowances Background Survey Data Collection Procedures Survey Description The following information will be provided to the participants verbally or in writing. Participants who are familiar with the program and the survey may be provided with less information as appropriate. Purpose The Federal Government pays cost-of-living allowances (COLA) in Alaska, Hawaii, and certain U.S. territories and possessions. Living cost differences are determined by comparing costs of goods, services, housing, transportation, and other items in the allowance area with the cost of the same or similar items and services in the Washington, DC, area. The U.S. Office of Personnel Management (OPM) is responsible for the operation of the COLA program. OPM, or its representative, conducts annual surveys to determine living cost differences. OPM conducts full-scale Background Surveys approximately once every five years to review the appropriateness of items, services, and businesses covered in the annual Price Surveys. Elements of the Background Survey may be repeated annually on a limited basis as part of the maintenance of and preparation for the annual Price Surveys. OPM uses the Background Survey to identify the services, items, quantities, outlets, and locations that will be surveyed to collect living cost data within the allowance areas and the Washington, DC, area. The Background Survey also is used to collect information on local trade practices, consumer buying patterns, taxes and fees, and other economic characteristics related to living costs. Data Collection Full-scale Background Surveys are conducted approximately once every five years. OPM identifies major manufacturers, local governments, retail outlets, realty firms, and businesses providing professional services to be surveyed on the basis of business volume and local prominence. Participation is voluntary. Data are collected by telephone and/or personal interview. Confidentiality All data collected are used only for the purposes described above. The Government pledges to hold all micro or ``raw'' data collected in confidence. Names of participating businesses and institutions may be released. Names of individuals are not released. Summary data will be made available to the public only to the extent that micro data cannot be associated with data sources. Public Burden Information Public burden reporting for this collection of information is estimated to vary from 5 minutes to 30 minutes per response. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden to Reports and Forms Management Officer, U.S. Office of Personnel Management, 1900 E Street, NW., Room CHP 500, Washington, DC, 20415; and to the Office of Management and Budget, Paperwork Reduction Project (3206-0199), Washington, DC, 20503. Nonforeign Area Cost-of-Living Allowances Background Survey Data Collection Procedures Interview Guidelines Seven types of information are collected in background surveys. Information is collected on products and services, outlet availability and usage, transportation, local taxes and fees, mortgage, real estate, and other topics related to the measurement of living costs (e.g., specialized information from local chambers of commerce, colleges, and universities). The following are the typical interview questions used to collect these data. Product or Service Information 1. As a major manufacturer/supplier of ____________________ (a specific product or service, e.g., women's apparel), please identify your items/services that are most popular (e.g., your `volume sellers'). 2. Which of these items are apt to be readily available in the following geographic locations: Alaska (i.e., Anchorage, Fairbanks, and Juneau); Hawaii, Guam; Puerto Rico; the Virgin Islands; and Washington, DC, and suburbs? 3. If the items or services are not universally available, are there other items or services that are of similar function, quality, quantity, size, and type and that can be substituted? 4. Is there anything else we should know about your product or service? Are there recommendations you wish to make that would help us in our data collection? Outlet Availability and Usage (Retail) 1. What is your product or service? What is the address(es) of your establishment(s)? If you have multiple locations, which locations have the greatest sales volumes (i.e., are most utilized by consumers)? 2. What are your store/office hours? Do these vary by location? 3. Is your full line of products or services available at all locations? 4. Is there anything else we should know about your outlet(s) or recommendations you wish to make? Transportation Information--Private and Public Services 1. What type of transportation services do you provide (e.g., taxi, bus, subway)? 2. What geographic areas do you service? Which routes are `typical' or most heavily utilized? 3. What is your rate structure? Does it vary by time of day or season? 4. Is there anything else we should know about transportation usage and services in your area? Are there recommendations you wish to make about our data collection? Transportation Information--Private Use and Maintenance 1. What types of driving are most common in your area? What is the annual distance driven? 2. What types roads and highways are common in your area? What are the road surfaces and conditions? 3. Are there unusual climatic or other factors that affect the fuel economy, maintenance, and depreciation of vehicles? 4. Is there anything else we should know about private transportation usage and maintenance in your area? Are there suggestions or recommendations you wish to make? Local Taxes and Fees 1. What types of taxes, licenses, or fees does your State, territory, or local jurisdiction levy on real estate; personal property; sales (including sales of property); automobiles; utilities; or other goods, services, or transactions? 2. Who levies these taxes, licenses or fees (i.e., State, territory, county, city, other jurisdiction)? 3. What are the rates or schedules for these? How often and when are they levied? Do the rates/schedules vary by location, season, or other factors? 4. Is there anything else we should know about taxes and fees in your area? Are these suggestions or recommendations you wish to make? Mortgage Information 1. What forms of home financing are most common in ____________________ (the allowance area or Washington DC metropolitan area)? (Do not include second mortgages.) 2. What are the typical conditions and limitations on loans? 3. What is the typical amount(s) of down payment required? What are the terms and rates? 4. Are there special subsidies or other practices that influence home financing in your area? 5. Looking back 6 years, what types of changes have occurred that affect home financing? 6. Is there anything else we should know about home financing in your area? Are there suggestions or recommendations you wish to make that would help us in our data collection? Real Estate Information 1. What is the availability of housing in ____________________ (the allowance area or Washington DC metropolitan area)? Of principal interest is housing for typical salary and wage earners (as distinguished from retirees, tourists, or other special groups) for persons with low, moderate, and high incomes. 2. Describe the communities within your area in which persons ____________________ (specify occupation/income characteristics) typically live. If appropriate, identify separate communities for renters and home owners. Where are these communities located relative to the major Federal activities in the area? 3. Describe the type of housing (e.g., apartment, condominium, town house, detached house). 4. For each type of housing, what are the usual number of rooms, bedrooms, baths, [[Page 61374]] total square footage, lot size, type of construction, and similar characteristics? 5. What types of utilities are available and typically used in these communities: sewer, water, natural gas, electricity, other? 6. Are there any unusual factors that might affect maintenance requirements in your area? 7. Looking back six years, describe the changes that significantly affected the housing market (both rental and owner markets). 8. Is there anything else we should know about the housing market in your area? Are there suggestions or recommendations you wish to make concerning our data collection? Other Types of Information Occasionally, it is necessary to collect information from colleges, universities, chambers of commerce, trade associations, and other groups on specific subjects relating to the analysis of living costs. For example, a university known to be involved in home energy research may be contacted to determine whether there are consumption data by region or allowance area that could have application in the COLA program. When such data are collected, the purpose and basic structure of the interview will follow the patterns shown above. The substance, however, will vary with the subject matter. BILLING CODE 6325-01-U-M [[Page 61375]] [GRAPHIC][TIFF OMITTED]TN29NO95.004 BILLING CODE 6325-01-U-M [[Page 61376]] Appendix 8.--Consumption Goods and Services Analysis [Location: Honolulu, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 138.56 26.40 36.59 23.49 32.55 20.65 28.61 2. Food Away From Home...................................... 109.22 14.42 15.75 14.73 16.09 15.04 16.42 3. Tobacco.................................................. 106.01 3.15 3.34 2.59 2.75 2.05 2.17 4. Alcohol.................................................. 109.81 2.77 3.04 2.73 3.00 2.69 2.95 5. Furnishings and Household Operations..................... 114.96 14.71 16.91 15.79 18.15 16.85 19.37 6. Clothing................................................. 104.13 13.97 14.55 14.65 15.25 15.30 15.94 7. Domestic Services........................................ 99.58 1.76 1.75 1.90 1.89 2.04 2.03 8. Professional Services.................................... 113.85 6.48 7.37 6.65 7.57 6.82 7.77 9. Personal Care............................................ 110.26 3.62 3.99 3.52 3.89 3.43 3.78 10. Recreation............................................... 102.47 12.72 13.04 13.94 14.29 15.14 15.51 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 116.33 ........... ........... ........... ........... Middle:................................................ ........... ........... ........... ........... 115.43 ........... ........... Upper:................................................. ........... ........... ........... ........... ........... ........... 114.55 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Analysis [Location: Hilo, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 135.04 26.40 35.66 23.49 31.73 20.65 27.88 2. Food Away From Home...................................... 113.98 14.42 16.44 14.73 16.79 15.04 17.14 3. Tobacco.................................................. 103.76 3.15 3.27 2.59 2.69 2.05 2.13 4. Alcohol.................................................. 102.46 2.77 2.84 2.73 2.80 2.69 2.76 5. Furnishings and Household Operations..................... 118.21 14.71 17.39 15.79 18.66 16.85 19.91 6. Clothing................................................. 97.91 13.97 13.68 14.65 14.34 15.30 14.98 7. Domestic Services........................................ 69.62 1.76 1.22 1.90 1.32 2.04 1.42 8. Professional Services.................................... 104.03 6.48 6.74 6.65 6.92 6.82 7.10 9. Personal Care............................................ 112.19 3.62 4.06 3.52 3.95 3.43 3.85 10. Recreation............................................... 109.91 12.72 13.98 13.94 15.33 15.14 16.64 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 115.28 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 114.53 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 113.81 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Analysis [Location: Kailua Kona, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 133.51 26.40 35.25 23.49 31.37 20.65 27.56 2. Food Away From Home...................................... 124.38 14.42 17.94 14.73 18.32 15.04 18.70 3. Tobacco.................................................. 100.94 3.15 3.18 2.59 2.62 2.05 2.07 4. Alcohol.................................................. 112.56 2.77 3.11 2.73 3.07 2.69 3.03 5. Furnishings and Household Operations..................... 108.09 14.71 15.90 15.79 17.07 16.85 18.21 6. Clothing................................................. 103.52 13.97 14.46 14.65 15.16 15.30 15.84 7. Domestic Services........................................ 97.88 1.76 1.72 1.90 1.86 2.04 1.99 8. Professional Services.................................... 104.48 6.48 6.77 6.65 6.95 6.82 7.13 9. Personal Care............................................ 113.86 3.62 4.12 3.52 4.01 3.43 3.90 10. Recreation............................................... 107.02 12.72 13.62 13.94 14.92 15.14 16.20 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.0 ........... ---------------------------------------------------------------------------------- -------- [[Page 61377]] Total Indexes: Lower.................................................. ........... ........... 116.07 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 115.35 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 114.63 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Cost Analysis [Hawaii County Composite; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total indexes -------------------------------------- Location Weights Lower Middle Upper income income income ---------------------------------------------------------------------------------- ------------------------------ Hilo, HI.................................................... 83.17 115.28 114.53 113.81 Kailua Kona, HI............................................. 16.83 116.07 115.35 114.63 --------------------------------------------------- Total Weight............................................ 100.00 ........... ........... ........... --------------------------------------------------- Composite Indexes....................................... ........... 115.41 114.67 113.95 ---------------------------------------------------------------------------------- ------------------------------ Consumption Goods and Services Analysis [Location: Kauai County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 146.40 26.40 38.66 23.49 34.39 20.65 30.22 2. Food Away From Home...................................... 112.38 14.42 16.21 14.73 16.56 15.04 16.90 3. Tobacco.................................................. 108.60 3.15 3.42 2.59 2.81 2.05 2.22 4. Alcohol.................................................. 106.68 2.77 2.95 2.73 2.91 2.69 2.87 5. Furnishings and Household Operations..................... 108.87 14.71 16.01 15.79 17.19 16.85 18.34 6. Clothing................................................. 101.99 13.97 14.25 14.65 14.94 15.30 15.61 7. Domestic Services........................................ 81.30 1.76 1.43 1.90 1.54 2.04 1.66 8. Professional Services.................................... 108.00 6.48 7.00 6.65 7.18 6.82 7.37 9. Personal Care............................................ 113.98 3.62 4.13 3.52 4.02 3.43 3.91 10. Recreation............................................... 118.84 12.72 15.12 13.94 16.57 15.14 17.99 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 119.18 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 118.11 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 117.09 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Analysis [Location: Maui County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 141.63 26.40 37.40 23.49 33.27 20.65 29.24 2. Food Away From Home...................................... 121.22 14.42 17.48 14.73 17.86 15.04 18.23 3. Tobacco.................................................. 107.83 3.15 3.39 2.59 2.79 2.05 2.21 4. Alcohol.................................................. 110.66 2.77 3.06 2.73 3.02 2.69 2.98 5. Furnishings and Household Operations..................... 122.95 14.71 18.08 15.79 19.41 16.85 20.71 6. Clothing................................................. 102.60 13.97 14.34 14.65 15.03 15.30 15.70 7. Domestic Services........................................ 80.12 1.76 1.41 1.90 1.52 2.04 1.63 8. Professional Services.................................... 108.08 6.48 7.00 6.65 7.19 6.82 7.38 9. Personal Care............................................ 119.17 3.62 4.32 3.52 4.20 3.43 4.09 10. Recreation............................................... 108.14 12.72 13.76 13.94 15.08 15.14 16.37 ---------------------------------------------------------------------------------- -------- [[Page 61378]] Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 120.24 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 119.37 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 118.54 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Analysis [Location: Guam; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 125.92 26.40 33.25 23.49 29.58 20.65 26.00 2. Food Away From Home...................................... 109.05 14.42 15.73 14.73 16.07 15.04 16.40 3. Tobacco.................................................. 72.53 3.15 2.28 2.59 1.88 2.05 1.49 4. Alcohol.................................................. 103.82 2.77 2.87 2.73 2.83 2.69 2.79 5. Furnishings and Household Operations..................... 138.20 14.71 20.33 15.79 21.82 16.85 23.28 6. Clothing................................................. 96.01 13.97 13.42 14.65 14.06 15.30 14.69 7. Domestic Services........................................ 118.50 1.76 2.08 1.90 2.25 2.04 2.41 8. Professional Services.................................... 95.77 6.48 6.20 6.65 6.37 6.82 6.54 9. Personal Care............................................ 121.82 3.62 4.41 3.52 4.29 3.43 4.18 10. Recreation............................................... 121.10 12.72 15.41 13.94 16.89 15.14 18.33 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 115.98 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 116.04 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 116.11 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Analysis [Location: Mayaguez, PR; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 104.58 26.40 27.61 23.49 24.57 20.65 21.59 2. Food Away From Home...................................... 88.23 14.42 12.72 14.73 13.00 15.04 13.27 3. Tobacco.................................................. 107.39 3.15 3.38 2.59 2.78 2.05 2.20 4. Alcohol.................................................. 108.70 2.77 3.01 2.73 2.97 2.69 2.92 5. Furnishing and Household Operations...................... 99.71 14.71 14.66 15.79 15.74 16.85 16.80 6. Clothing................................................. 98.09 13.97 13.71 14.65 14.37 15.30 15.01 7. Domestic Services........................................ 58.95 1.76 1.04 1.90 1.12 2.04 1.20 8. Professional Services.................................... 56.14 6.48 3.64 6.65 3.73 6.82 3.83 9. Personal Care............................................ 71.78 3.62 2.60 3.52 2.53 3.43 2.46 10. Recreation............................................... 86.69 12.72 11.03 13.94 12.09 15.14 13.12 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 93.40 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 92.90 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 92.40 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Analysis [Location: San Juan, PR; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 101.08 26.40 26.69 23.49 23.75 20.65 20.87 [[Page 61379]] 2. Food Away From Home...................................... 108.86 14.42 15.70 14.73 16.04 15.04 16.37 3. Tobacco.................................................. 110.75 3.15 3.49 2.59 2.87 2.05 2.27 4. Alcohol.................................................. 118.45 2.77 3.28 2.73 3.23 2.69 3.19 5. Furnishings and Household Operations..................... 105.12 14.71 15.46 15.79 16.60 16.85 17.71 6. Clothing................................................. 107.85 13.97 15.07 14.65 15.80 15.30 16.50 7. Domestic Services........................................ 62.32 1.76 1.10 1.90 1.18 2.04 1.27 8. Professional Services.................................... 78.84 6.48 5.11 6.65 5.24 6.82 5.38 9. Personal Care............................................ 96.36 3.62 3.49 3.52 3.40 3.43 3.30 10. Recreation............................................... 107.75 12.72 13.71 13.94 15.03 15.14 16.31 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 103.10 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 103.14 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 103.17 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Cost Analysis [Puerto Rico Composite; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total indexes -------------------------------------- Location Weights Lower Middle Upper income income income ---------------------------------------------------------------------------------- ------------------------------ San Juan, PR................................................ 88.90 103.10 103.14 103.17 Mayaguez, PR................................................ 11.10 93.40 92.90 92.40 --------------------------------------------------- Total Weight............................................ 100.00 ........... ........... ........... --------------------------------------------------- Composite Indexes....................................... ........... 102.02 102.00 101.97 ---------------------------------------------------------------------------------- ------------------------------ Consumption Goods and Services Analysis [Location: St. Croix, VI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 121.97 26.40 32.20 23.49 28.65 20.65 25.18 2. Food Away From Home...................................... 107.78 14.42 15.54 14.73 15.88 15.04 16.21 3. Tobacco.................................................. 68.53 3.15 2.16 2.59 1.78 2.05 1.40 4. Alcohol.................................................. 100.33 2.77 2.78 2.73 2.74 2.69 2.70 5. Furnishings & Household Operations....................... 120.56 14.71 17.73 15.79 19.03 16.85 20.31 6. Clothing................................................. 81.43 13.97 11.38 14.65 11.93 15.30 12.46 7. Domestic Services........................................ 60.82 1.76 1.07 1.90 1.15 2.04 1.24 8. Professional Services.................................... 88.93 6.48 5.76 6.65 5.92 6.82 6.07 9. Personal Care............................................ 98.88 3.62 3.58 3.52 3.49 3.43 3.39 10. Recreation............................................... 101.11 12.72 12.86 13.94 14.10 15.14 15.31 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 105.06 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 104.67 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 104.27 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Analysis [Location: St. Thomas; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 117.46 26.40 31.01 23.49 27.60 20.65 24.25 [[Page 61380]] 2. Food Away From Home...................................... 110.01 14.42 15.86 14.73 16.21 15.04 16.54 3. Tobacco.................................................. 60.96 3.15 1.92 2.59 1.58 2.05 1.25 4. Alcohol.................................................. 112.02 2.77 3.10 2.73 3.06 2.69 3.01 5. Furnishings & Household Operations....................... 118.29 14.71 17.40 15.79 18.68 16.85 19.93 6. Clothing................................................. 84.70 13.97 11.83 14.65 12.40 15.30 12.96 7. Domestic Services........................................ 81.95 1.76 1.44 1.90 1.56 2.04 1.67 8. Professional Services.................................... 118.25 6.48 7.66 6.65 7.87 6.82 8.07 9. Personal Care............................................ 113.47 3.62 4.11 3.52 4.00 3.43 3.89 10. Recreation............................................... 109.28 12.72 13.90 13.94 15.24 15.14 16.54 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 108.23 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 108.20 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 108.11 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Consumption Goods and Services Cost Analysis [Virgin Islands Composite; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total indexes -------------------------------------- Location Weights Lower Middle Upper income income income ---------------------------------------------------------------------------------- ------------------------------ St. Croix, VI............................................... 45.09 105.06 104.67 104.27 St. Thomas, VI.............................................. 54.91 108.23 108.20 108.11 --------------------------------------------------- Total Weights........................................... 100.00 ........... ........... ........... --------------------------------------------------- Composite Indexes....................................... ........... 106.80 106.61 106.38 ---------------------------------------------------------------------------------- ------------------------------ Consumption Goods and Services Analysis [Location: Guam Blend*; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Food At Home............................................. 87.95 26.40 23.22 23.49 20.66 20.65 18.16 2. Food Away From Home...................................... 109.05 14.42 15.73 14.73 16.07 15.04 16.40 3. Tobacco.................................................. 51.99 3.15 1.64 2.59 1.35 2.05 1.06 4. Alcohol.................................................. 103.82 2.77 2.87 2.73 2.83 2.69 2.79 5. Furnishings and Household Operations..................... 120.01 14.71 17.65 15.79 18.95 16.85 20.22 6. Clothing................................................. 89.49 13.97 12.50 14.65 13.11 15.30 13.70 7. Domestic Services........................................ 118.50 1.76 2.08 1.90 2.25 2.04 2.41 8. Professional Services.................................... 95.77 6.48 6.20 6.65 6.37 6.82 6.54 9. Personal Care............................................ 110.89 3.62 4.02 3.52 3.91 3.43 3.80 10. Recreation............................................... 110.43 12.72 14.05 13.94 15.40 15.14 16.72 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total Indexes: Lower.................................................. ........... ........... 99.96 ........... ........... ........... ........... Middle................................................. ........... ........... ........... 100.90 ........... ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 101.80 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- *Local Retail and Commissary/Exchange Appendix 9.--OPM Living Community List ---------------------------------------------------------------------------------- ------------------------------ Low Middle High ---------------------------------------------------------------------------------- ------------------------------ Washington DC DC: Homeowner........................ Southeast DC........... Northeast DC........... Northwest DC.* [[Page 61381]] Renter........................... Southeast DC........... Northeast DC........... Northwest DC.* ---------------------------------------------------------------------------------- ------------------------------ *Northwest DC excludes Georgetown, but includes Dupont Circle, Cleveland Park, and Adams Morgan. ================================================================================== ============================== Washington DC MD: Homeowner........................ Capitol Heights/....... Gaithersburg/.......... Rockville. Suitland............... Silver Spring.......... Renter........................... Capitol Heights/....... Hyattsville/........... Rockville. Suitland............... College Park........... Washington DC VA: Homeowner........................ Woodbridge/............ Springfield............ Alexandria. Dale City*............. ..................... Renter........................... Woodbridge............. Alexandria............. Arlington. Honolulu: Homeowner........................ Ewa Beach.............. Kaneohe................ Manoa/Kaimuki Waipahu................ Pearl City............. Kailua*. Renter........................... Pearl Harbor Area*..... Alakea................. Manoa. Kalihi................. Kaneohe................ Aiea. ---------------------------------------------------------------------------------- ------------------------------ *Pearl Harbor Area excludes Aiea. ================================================================================== ============================== Hawaii County--Hilo: Homeowner........................ Hilo................... Hilo................... Hilo. Renter........................... Hilo................... Hilo................... Hilo. Hawaii County--Kailua Kona: Homeowner........................ Kailua Kona............ Kailua Kona............ Kailua Kona. Renter........................... Kailua Kona............ Kailua Kona............ Kailua Kona. Kauai: Homeowner........................ Kauai.................. Kauai.................. Kauai. Renter........................... Kauai.................. Kauai.................. Kauai. Maui: Homeowner........................ Maui................... Maui................... Maui. Renter........................... Maui................... Maui................... Maui. Guam: Homeowner........................ Guam................... Guam................... Guam. Renter........................... Guam................... Guam................... Guam. Puerto Rico--Mayaguez: Homeowner........................ Mayaguez............... Mayaguez............... Mayaguez. Renter........................... Mayaguez............... Mayaguez............... Mayaguez. Puerto Rico--San Juan: Homeowner........................ Carolina............... Rio Piedras*........... Guaynabo. Bayamon................ VA Hospital Area....... Hato Rey. Renter........................... Carolina............... Rio Piedras............ Old San Juan. Rio Piedras Area....... Isla Verde**........... Condado. ---------------------------------------------------------------------------------- ------------------------------ *Rio Piedras excludes VA Hospital Area. **Isla Verde excludes the area on the Boulevard. ================================================================================== ============================== St. Croix: Homeowner........................ St. Croix.............. St. Croix.............. St. Croix. Renter........................... St. Croix.............. St. Croix.............. St. Croix. St. Thomas: Homeowner........................ St. Thomas............. St. Thomas............. St. Thomas. Renter........................... St. Thomas............. St. Thomas............. St. Thomas. ---------------------------------------------------------------------------------- ------------------------------ Appendix 10.--Historical Home Market Values and Interest Rates ---------------------------------------------------------------------------------- ------------------------------ Interest Area Year rate Income level Market Annual P & (percent) value I* ---------------------------------------------------------------------------------- ------------------------------ Honolulu, HI......................... 1985 10.250 Lower................ 86,657 7,455 Middle............... 110,500 9,506 Upper................ 118,220 10,170 1986 10.250 Lower................ 97,229 8,364 Middle............... 134,257 11,550 Upper................ 154,513 13,292 1987 10.375 Lower................ 107,837 9,373 Middle............... 158,027 13,736 Upper................ 190,786 16,583 1988 11.000 Lower................ 118,445 10,829 Middle............... 181,797 16,620 Upper................ 227,059 20,758 [[Page 61382]] 1989 10.500 Lower................ 154,366 13,556 Middle............... 239,426 21,025 Upper................ 263,331 23,124 1990 10.250 Lower................ 216,113 18,591 Middle............... 335,197 28,836 Upper................ 379,283 32,628 1991 9.125 Lower................ 207,000 16,169 Middle............... 310,700 24,268 Upper................ 370,600 28,947 1992 8.125 Lower................ 211,347 15,065 Middle............... 329,693 23,500 Upper................ 363,460 25,907 1993 7.125 Lower................ 202,041 13,067 Middle............... 327,715 21,196 Upper................ 374,918 24,249 1994 9.333 Lower................ 251,919 20,042 Middle............... 331,695 26,389 Upper................ 394,706 31,402 Hilo, HI............................. 1985 10.250 Lower................ 41,496 3,570 Middle............... 61,798 5,316 Upper................ 89,463 7,696 1986 10.250 Lower................ 50,459 4,341 Middle............... 71,995 6,193 Upper................ 97,783 8,412 1987 10.375 Lower................ 59,435 5,166 Middle............... 82,183 7,143 Upper................ 106,098 9,222 1988 11.000 Lower................ 68,410 6,254 Middle............... 92,371 8,445 Upper................ 114,412 10,460 1989 10.500 Lower................ 77,386 6,796 Middle............... 102,559 9,006 Upper................ 122,727 10,777 1990 10.250 Lower................ 67,714 5,825 Middle............... 108,821 9,361 Upper................ 164,283 14,133 1991 9.125 Lower................ 134,100 10,474 Middle............... 180,700 14,114 Upper................ 204,000 15,934 1992 8.125 Lower................ 130,743 9,319 Middle............... 162,903 11,612 Upper................ 197,863 14,104 1993 7.125 Lower................ 127,854 8,269 Middle............... 173,095 11,195 Upper................ 202,018 13,066 1994 9.333 Lower................ 114,696 9,125 Middle............... 162,500 12,928 Upper................ 196,146 15,605 Kailua Kona, HI...................... 1985 10.250 Lower................ 65,336 5,621 Middle............... 92,833 7,986 Upper................ 99,504 8,560 1986 10.250 Lower................ 77,097 6,632 Middle............... 107,594 9,256 Upper................ 119,902 10,315 1987 10.375 Lower................ 88,880 7,725 Middle............... 122,387 10,638 Upper................ 140,297 12,194 1988 11.000 Lower................ 100,662 9,203 Middle............... 137,180 12,541 Upper................ 160,692 14,691 1989 10.500 Lower................ 112,444 9,874 Middle............... 151,973 13,346 Upper................ 181,087 15,902 1990 10.250 Lower................ 134,609 11,580 Middle............... 189,900 16,336 Upper................ 225,100 19,364 1991 9.130 Lower................ 154,800 12,097 Middle............... 204,100 15,949 Upper................ 256,700 20,059 1992 8.125 Lower................ 159,867 11,395 Middle............... 222,950 15,892 [[Page 61383]] Upper................ 261,018 18,605 1993 7.125 Lower................ 153,666 9,939 Middle............... 219,245 14,180 Upper................ 261,902 16,939 1994 9.333 Lower................ 152,235 12,111 Middle............... 215,826 17,171 Upper................ 224,128 17,831 Kauai County, HI..................... 1985 10.250 Lower................ 55,280 4,756 Middle............... 69,756 6,001 Upper................ 95,904 8,250 1986 10.250 Lower................ 68,105 5,859 Middle............... 88,032 7,573 Upper................ 105,494 9,075 1987 10.375 Lower................ 78,576 6,830 Middle............... 106,294 9,239 Upper................ 121,318 10,545 1988 11.000 Lower................ 91,046 8,324 Middle............... 124,556 11,387 Upper................ 145,581 13,309 1989 10.500 Lower................ 103,516 9,090 Middle............... 142,818 12,542 Upper................ 177,900 15,622 1990 10.250 Lower................ 177,351 15,257 Middle............... 233,846 20,117 Upper................ 295,854 25,451 1991 9.125 Lower................ 174,336 13,617 Middle............... 229,900 17,957 Upper................ 290,800 22,714 1992 8.125 Lower................ 171,792 12,245 Middle............... 221,624 15,797 Upper................ 273,921 19,525 1993 7.125 Lower................ 171,964 11,122 Middle............... 221,858 14,349 Upper................ 274,195 17,734 1994 9.333 Lower................ 163,350 12,996 Middle............... 222,196 17,677 Upper................ 255,000 20,287 Maui County, HI...................... 1985 10.250 Lower................ 83,407 7,175 Middle............... 110,670 9,520 Upper................ 139,174 11,973 1986 10.250 Lower................ 91,748 7,893 Middle............... 121,737 10,473 Upper................ 153,091 13,170 1987 10.375 Lower................ 100,293 8,717 Middle............... 133,911 11,639 Upper................ 168,401 14,637 1988 11.000 Lower................ 121,107 11,072 Middle............... 160,693 14,691 Upper................ 202,081 18,475 1989 10.500 Lower................ 151,384 13,294 Middle............... 200,866 17,639 Upper................ 252,601 22,182 1990 10.250 Lower................ 174,092 14,976 Middle............... 230,996 19,872 Upper................ 290,491 24,990 1991 9.125 Lower................ 210,651 16,454 Middle............... 279,500 21,831 Upper................ 351,494 27,455 1992 8.125 Lower................ 207,913 14,820 Middle............... 275,925 19,668 Upper................ 346,925 24,729 1993 7.125 Lower................ 180,099 11,648 Middle............... 255,476 16,523 Upper................ 310,845 20,105 1994 9.333 Lower................ 180,000 14,320 Middle............... 250,588 19,936 Upper................ 278,443 22,152 Guam................................. 1985 10.250 Lower................ 59,421 5,112 Middle............... 72,445 6,232 Upper................ 154,895 13,325 1986 10.250 Lower................ 65,363 5,623 [[Page 61384]] Middle............... 79,689 6,855 Upper................ 170,384 14,657 1987 10.375 Lower................ 74,841 6,505 Middle............... 91,802 7,979 Upper................ 188,786 16,409 1988 11.000 Lower................ 84,271 7,704 Middle............... 103,920 9,501 Upper................ 207,287 18,951 1989 10.375 Lower................ 93,709 8,145 Middle............... 116,079 10,089 Upper................ 225,735 19,621 1990 10.500 Lower................ 103,174 9,060 Middle............... 128,151 11,254 Upper................ 244,245 21,448 1991 10.125 Lower................ 113,491 9,662 Middle............... 140,966 12,001 Upper................ 268,670 22,873 1992 9.491 Lower................ 130,855 10,555 Middle............... 162,534 13,110 Upper................ 309,777 24,986 1993 7.750 Lower................ 144,738 9,954 Middle............... 189,280 13,018 Upper................ 258,978 17,811 1994 10.050 Lower................ 133,452 11,290 Middle............... 188,240 15,925 Upper................ 244,375 20,675 Mayaguez, PR......................... 1985 10.250 Lower................ 38,650 3,325 Middle............... 54,110 4,655 Upper................ 82,465 7,094 1986 10.250 Lower................ 42,515 3,657 Middle............... 59,521 5,120 Upper................ 90,711 7,803 1987 10.625 Lower................ 47,616 4,224 Middle............... 66,663 5,914 Upper................ 101,597 9,013 1988 10.875 Lower................ 53,807 4,870 Middle............... 75,329 6,819 Upper................ 114,804 10,392 1989 10.375 Lower................ 57,035 4,957 Middle............... 79,849 6,940 Upper................ 121,693 10,577 1990 10.375 Lower................ 93,898 8,162 Middle............... 116,409 10,118 Upper................ 196,696 17,097 1991 8.875 Lower................ 57,600 4,400 Middle............... 92,300 7,050 Upper................ 134,300 10,258 1992 8.125 Lower................ 61,459 4,381 Middle............... 98,484 7,020 Upper................ 143,298 10,214 1993 7.125 Lower................ 60,906 3,939 Middle............... 97,598 6,312 Upper................ 142,008 9,185 1994 8.750 Lower................ 71,307 5,385 Middle............... 92,079 6,954 Upper................ 128,571 9,710 San Juan, PR......................... 1985 10.250 Lower................ 52,638 4,528 Middle............... 64,476 5,547 Upper................ 93,324 8,028 1986 10.250 Lower................ 56,323 4,845 Middle............... 68,989 5,935 Upper................ 99,857 8,590 1987 10.625 Lower................ 60,266 5,346 Middle............... 73,818 6,549 Upper................ 106,847 9,479 1988 10.875 Lower................ 64,485 5,837 Middle............... 78,985 7,150 Upper................ 114,326 10,348 1989 10.375 Lower................ 70,934 6,166 Middle............... 86,884 7,552 Upper................ 122,329 10,633 [[Page 61385]] 1990 10.375 Lower................ 78,027 6,782 Middle............... 95,572 8,307 Upper................ 134,562 11,696 1991 8.875 Lower................ 82,800 6,324 Middle............... 100,255 7,658 Upper................ 141,100 10,777 1992 8.125 Lower................ 62,271 4,439 Middle............... 84,721 6,039 Upper................ 151,946 10,831 1993 7.125 Lower................ 61,389 3,970 Middle............... 84,084 5,438 Upper................ 151,878 9,823 1994 8.750 Lower................ 66,843 5,048 Middle............... 102,232 7,721 Upper................ 143,633 10,848 St Croix, VI......................... 1985 10.250 Lower................ 47,893 4,120 Middle............... 62,064 5,339 Upper................ 105,308 9,059 1986 10.250 Lower................ 48,995 4,215 Middle............... 63,491 5,462 Upper................ 107,730 9,268 1987 12.000 Lower................ 54,140 5,346 Middle............... 70,157 6,928 Upper................ 119,042 11,755 1988 12.000 Lower................ 66,051 6,522 Middle............... 85,592 8,452 Upper................ 145,231 14,341 1989 11.750 Lower................ 64,730 6,273 Middle............... 83,880 8,128 Upper................ 142,326 13,792 1990 11.250 Lower................ 80,912 7,544 Middle............... 104,850 9,776 Upper................ 177,908 16,588 1991 10.250 Lower................ 85,281 7,336 Middle............... 110,500 9,506 Upper................ 187,500 16,130 1992 9.500 Lower................ 103,635 8,366 Middle............... 151,866 12,259 Upper................ 188,037 15,179 1993 8.375 Lower................ 112,962 8,242 Middle............... 174,161 12,708 Upper................ 194,004 14,156 1994 9.083 Lower................ 77,409 6,024 Middle............... 128,076 9,967 Upper................ 210,035 16,345 St. Thomas, VI....................... 1985 10.250 Lower................ 77,330 6,652 Middle............... 97,846 8,417 Upper................ 116,784 10,046 1986 10.250 Lower................ 92,023 7,916 Middle............... 116,437 10,017 Upper................ 138,973 11,955 1987 12.000 Lower................ 103,617 10,232 Middle............... 131,108 12,946 Upper................ 156,484 15,452 1988 12.000 Lower................ 121,129 11,961 Middle............... 153,265 15,134 Upper................ 182,929 18,064 1989 11.750 Lower................ 126,943 12,301 Middle............... 160,622 15,565 Upper................ 191,710 18,577 1990 11.250 Lower................ 122,500 11,422 Middle............... 155,000 14,452 Upper................ 185,000 17,250 1991 10.250 Lower................ 126,900 10,917 Middle............... 180,700 15,545 Upper................ 210,800 18,134 1992 9.000 Lower................ 128,930 9,959 Middle............... 183,591 14,181 Upper................ 214,173 16,544 1993 8.250 Lower................ 139,680 10,074 Middle............... 198,829 14,340 [[Page 61386]] Upper................ 231,949 16,729 1994 9.083 Lower................ 106,533 8,290 Middle............... 190,164 14,799 Upper................ 195,381 15,205 Washington, DC (DC).................. 1985 10.250 Lower................ 58,996 5,075 Middle............... 90,194 7,759 Upper................ 160,600 13,816 1986 10.250 Lower................ 64,778 5,573 Middle............... 99,213 8,535 Upper................ 173,448 14,921 1987 10.250 Lower................ 70,543 6,069 Middle............... 113,015 9,722 Upper................ 187,324 16,115 1988 10.500 Lower................ 76,327 6,703 Middle............... 126,817 11,136 Upper................ 202,310 17,766 1989 9.625 Lower................ 82,128 6,702 Middle............... 140,619 11,474 Upper................ 218,495 17,829 1990 9.875 Lower................ 87,877 7,326 Middle............... 140,974 11,752 Upper................ 235,975 19,671 1991 9.250 Lower................ 88,200 6,966 Middle............... 141,500 11,175 Upper................ 236,900 18,710 1992 8.500 Lower................ 93,573 6,907 Middle............... 138,580 10,229 Upper................ 231,948 17,121 1993 7.125 Lower................ 95,306 6,164 Middle............... 125,469 8,115 Upper................ 271,054 17,531 1994 8.708 Lower................ 85,158 6,407 Middle............... 104,117 7,834 Upper................ 284,087 21,374 Washington, DC (MD).................. 1985 10.250 Lower................ 54,572 4,695 Middle............... 84,505 7,270 Upper................ 100,545 8,649 1986 10.250 Lower................ 60,029 5,164 Middle............... 92,955 7,997 Upper................ 110,600 9,514 1987 10.125 Lower................ 66,032 5,622 Middle............... 102,250 8,705 Upper................ 121,660 10,358 1988 10.375 Lower................ 73,295 6,371 Middle............... 113,498 9,865 Upper................ 135,043 11,738 1989 10.000 Lower................ 81,357 6,854 Middle............... 125,983 10,614 Upper................ 149,898 12,628 1990 9.875 Lower................ 89,493 7,460 Middle............... 138,581 11,552 Upper................ 164,888 13,745 1991 8.750 Lower................ 90,835 6,860 Middle............... 140,660 10,623 Upper................ 167,361 12,640 1992 8.375 Lower................ 103,563 7,557 Middle............... 136,513 9,961 Upper................ 203,337 14,837 1993 7.250 Lower................ 95,031 6,223 Middle............... 116,294 7,616 Upper................ 199,750 13,081 1994 8.833 Lower................ 92,394 7,031 Middle............... 184,249 14,020 Upper................ 222,377 16,922 Washington, DC (VA).................. 1985 10.250 Lower................ 65,608 5,644 Middle............... 74,031 6,369 Upper................ 122,748 10,559 1986 10.250 Lower................ 70,857 6,096 Middle............... 79,954 6,878 Upper................ 132,568 11,404 1987 10.125 Lower................ 76,526 6,515 [[Page 61387]] Middle............... 86,350 7,351 Upper................ 143,173 12,189 1988 10.500 Lower................ 83,413 7,325 Middle............... 94,122 8,265 Upper................ 156,059 13,704 1989 9.500 Lower................ 90,086 7,272 Middle............... 101,652 8,206 Upper................ 168,544 13,605 1990 10.000 Lower................ 97,293 8,197 Middle............... 109,784 9,249 Upper................ 182,028 15,335 1991 8.875 Lower................ 99,823 7,625 Middle............... 114,400 8,738 Upper................ 183,600 14,024 1992 8.375 Lower................ 105,021 7,663 Middle............... 127,582 9,309 Upper................ 183,294 13,374 1993 7.250 Lower................ 94,563 6,193 Middle............... 126,984 8,316 Upper................ 181,917 11,914 1994 8.792 Lower................ 96,048 7,281 Middle............... 169,078 12,818 Upper................ 240,108 18,202 ---------------------------------------------------------------------------------- ------------------------------ *Principal and interest assumes 80% financing. Appendix 11.--Historical Housing Data ---------------------------------------------------------------------------------- ------------------------------ Lower Middle Upper Year Weights amounts Subtotal amounts Subtotal amounts Subtotal ---------------------------------------------------------------------------------- ------------------------------ Honolulu: 1985........................... 6.31 7,455 470.41 9,506 599.83 10,170 641.73 1986........................... 6.77 8,364 566.24 11,550 781.94 13,292 899.87 1987........................... 8.19 9,373 767.65 13,736 1,124.98 16,583 1,358.15 1988........................... 7.03 10,829 761.28 16,620 1,168.39 20,758 1,459.29 1989........................... 7.72 13,556 1,046.52 21,025 1,623.13 23,124 1,785.17 1990........................... 8.32 18,591 1,546.77 28,836 2,399.16 32,628 2,714.65 1991........................... 10.08 16,169 1,629.84 24,268 2,446.21 28,947 2,917.86 1992........................... 12.92 15,065 1,946.40 23,500 3,036.20 25,907 3,347.18 1993........................... 13.78 13,067 1,800.63 21,196 2,920.81 24,249 3,341.51 1994........................... 18.88 20,042 3,783.93 26,389 4,982.24 31,402 5,928.70 ---------------------------------------------------------------------------- Total........................ 100.00 ......... 14,320 ......... 21,083 ......... 24,394 ============================================================================ Hilo: 1985........................... 6.31 3,570 225.27 5,316 335.44 7,696 485.62 1986........................... 6.77 4,341 293.89 6,193 419.27 8,412 569.49 1987........................... 8.19 5,166 423.10 7,143 585.01 9,222 755.28 1988........................... 7.03 6,254 439.66 8,445 593.68 10,460 735.34 1989........................... 7.72 6,796 524.65 9,006 695.26 10,777 831.98 1990........................... 8.32 5,825 484.64 9,361 778.84 14,133 1,175.87 1991........................... 10.08 10,474 1,055.78 14,114 1,422.69 15,934 1,606.15 1992........................... 12.92 9,319 1,204.01 11,612 1,500.27 14,104 1,822.24 1993........................... 13.78 8,269 1,139.47 11,195 1,542.67 13,066 1,800.49 1994........................... 18.88 9,125 1,722.80 12,928 2440.81 15,605 2,946.22 ---------------------------------------------------------------------------- Total........................ 100.00 ......... 7,513 ......... 10,314 ......... 12,729 ============================================================================ Kailua Kona: 1985........................... 6.31 5,621 354.69 7,986 503.92 8,560 540.14 1986........................... 6.77 6,632 448.99 9,256 626.63 10,315 698.33 1987........................... 8.19 7,725 632.68 10,638 871.25 12,194 998.69 1988........................... 7.03 9,203 646.97 12,541 881.63 14,691 1,032.78 1989........................... 7.72 9,874 762.27 13,346 1,030.31 15,902 1,227.63 1990........................... 8.32 11,580 963.46 16,336 1,359.16 19,364 1,611.08 1991........................... 10.08 12,097 1,219.38 15,949 1,607.66 20,059 2,021.95 1992........................... 12.92 11,395 1,472.23 15,892 2,053.25 18,605 2,403.77 1993........................... 13.78 9,939 1,369.59 14,180 1,954.00 16,939 2,334.19 1994........................... 18.88 12,111 2,286.56 17,171 3,241.88 17,831 3,366.49 ---------------------------------------------------------------------------- [[Page 61388]] Totals....................... 100.00 ......... 10,157 ......... 14,130 ......... 16,235 ============================================================================ Kauai: 1985........................... 6.31 4,756 300.10 6,001 378.66 8,250 520.58 1986........................... 6.77 5,859 396.65 7,573 512.69 9,075 614.38 1987........................... 8.19 6,830 559.38 9,239 756.67 10,545 863.64 1988........................... 7.03 8,324 585.18 11,387 800.51 13,309 935.62 1989........................... 7.72 9,090 701.75 12,542 968.241 15,622 1,206.02 1990........................... 8.32 15,257 1,269.38 20,117 1,673.73 25,451 2,117.52 1991........................... 10.08 13,617 1,372.59 17,957 1,810.07 22,714 2,289.57 1992........................... 12.92 12,245 1,582.05 15,797 2,040.97 19,525 2,522.63 1993........................... 13.78 11,122 1,532.61 14,349 1,977.29 17,734 2,443.75 1994........................... 18.88 12,996 2,453.64 17,677 3,337.42 20,287 3,830.19 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 10,753 ......... 14,256 ......... 17,344 ============================================================================ Maui: 1985........................... 6.31 7,175 452.74 9,520 600.71 11,973 755.50 1986........................... 6.77 7,893 534.36 10,473 709.02 13,170 891.61 1987........................... 8.19 8,717 713.92 11,639 953.23 14,637 1,198.77 1988........................... 7.03 11,072 778.36 14,691 1,032.78 18,475 1,298.79 1989........................... 7.72 13,294 1,026.30 17,639 1,361.73 22,182 1,712.45 1990........................... 8.32 14,976 1,246.00 19,872 1,653.35 24,990 2,079.17 1991........................... 10.08 16,454 1,658.56 21,831 2,200.56 27,455 2,767.46 1992........................... 12.92 14,820 1,914.74 19,668 2,541.11 24,729 3,194.99 1993........................... 13.78 11,648 1,605.09 16,523 2,276.87 20,105 2,770.47 1994........................... 18.88 14,320 2,703.62 19,936 3,763.92 22,152 4,182.30 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 12,634 ......... 17,093 ......... 20,852 ============================================================================ Guam: 1985........................... 6.31 5,112 322.57 6,232 393.24 13,325 840.81 1986........................... 6.77 5,623 380.68 6,855 464.08 14,657 992.28 1987........................... 8.19 6,505 532.76 7,979 653.48 16,409 1,343.90 1988........................... 7.03 7,704 541.59 9,501 667.92 18,951 1,332.26 1989........................... 7.72 8,145 628.79 10,089 778.87 19,621 1,514.74 1990........................... 8.32 9,060 753.79 11,254 936.33 21,448 1,784.47 1991........................... 10.08 9,662 973.93 12,001 1,209.70 22,873 2,305.60 1992........................... 12.92 10,555 1,363.71 13,110 1,693.81 24,986 3,228.19 1993........................... 13.78 9,954 1,371.66 13,018 1,793.88 17,811 2,454.36 1994........................... 18.88 11,290 2,131.55 15,925 3,006.64 20,675 3,903.44 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 9,001 ......... 11,598 ......... 19,700 ============================================================================ Mayaguez: 1985........................... 6.31 3,325 209.81 4,655 293.73 7,094 447.63 1986........................... 6.77 3,657 247.58 5,120 346.62 7,803 528.26 1987........................... 8.19 4,224 345.95 5,914 484.36 9,013 738.16 1988........................... 7.03 4,870 342.36 6,819 479.38 10,392 730.56 1989........................... 7.72 4,957 382.68 6,940 535.77 10,577 816.54 1990........................... 8.32 8,162 679.08 10,118 841.82 17,097 1,422.47 1991........................... 10.08 4,400 443.52 7,050 710.64 10,258 1,034.01 1992........................... 12.92 4,381 566.03 7,020 906.98 10,214 1,319.65 1993........................... 13.78 3,939 542.79 6,312 869.79 9,185 1,265.69 1994........................... 18.88 5,385 1,016.69 6,954 1,312.92 9,710 1,833.25 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 4,776 ......... 6,782 ......... 10,136 ============================================================================ San Juan: 1985........................... 6.31 4,528 285.72 5,547 350.02 8,028 506.57 1986........................... 6.77 4,845 328.01 5,935 401.80 8,590 581.54 1987........................... 8.19 5,346 437.84 6,549 536.36 9,479 776.33 1988........................... 7.03 5,837 410.34 7,150 502.65 10,348 727.46 1989........................... 7.72 6,166 476.02 7,552 583.01 10,633 820.87 1990........................... 8.32 6,782 564.26 8,307 691.14 11,696 973.11 1991........................... 10.08 6,324 637.46 7,658 771.93 10,777 1,086.32 1992........................... 12.92 4,439 573.52 6,039 780.24 10,831 1,399.37 1993........................... 13.78 3,970 547.07 5,438 749.36 9,823 1,353.61 1994........................... 18.88 5,048 953.06 7,721 1,457.72 10,848 2,048.10 ---------------------------------------------------------------------------- [[Page 61389]] Totals....................... 100.00 ......... 5,213 ......... 6,824 ......... 10,273 ============================================================================ St. Croix: 1985........................... 6.31 4,120 259.97 5,339 336.89 9,059 571.62 1986........................... 6.77 4,215 285.36 5,462 369.78 9,268 627.44 1987........................... 8.19 5,346 437.84 6,928 567.40 11,755 962.73 1988........................... 7.03 6,522 458.50 8,452 594.18 14,341 1,008.17 1989........................... 7.72 6,273 484.28 8,128 627.48 13,792 1,064.74 1990........................... 8.32 7,544 627.66 9,776 813.36 16,588 1,380.12 1991........................... 10.08 7,336 739.47 9,506 958.20 16,130 1,625.90 1992........................... 12.92 8,366 1,080.89 12,259 1,583.86 15,179 1,961.13 1993........................... 13.78 8,242 1,135.75 12,708 1,751.16 14,156 1,950.70 1994........................... 18.88 6,024 1,137.33 9,967 1,881.77 16,345 3,085.94 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 6,647 ......... 9,484 ......... 14,238 ============================================================================ St. Thomas: 1985........................... 6.31 6,652 419.74 8,417 531.11 10,046 633.90 1986........................... 6.77 7,916 535.91 10,017 678.15 11,955 809.35 1987........................... 8.19 10,232 838.00 12,946 1,060.28 15,452 1,265.52 1988........................... 7.03 11,961 840.86 15,134 1,063.92 18,064 1,269.90 1989........................... 7.72 12,301 949.64 15,565 1,201.62 18,577 1,434.14 1990........................... 8.32 11,422 950.31 14,452 1,202.41 17,250 1,435.20 1991........................... 10.08 10,917 1,100.43 15,545 1,566.94 18,134 1,827.91 1992........................... 12.92 9,959 1,286.70 14,181 1,832.19 16,544 2,137.48 1993........................... 13.78 10,074 1,388.20 14,340 1,976.05 16,729 2,305.26 1994........................... 18.88 8,290 1,565.15 14,799 2,794.05 15,205 2,870.70 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 9,875 ......... 13,907 ......... 15,989 ============================================================================ DC-DC: 1985........................... 6.31 5,075 320.23 7,759 489.59 13,816 871.79 1986........................... 6.77 5,573 377.29 8,535 577.82 14,921 1,010.15 1987........................... 8.19 6,069 497.05 9,722 796.23 16,115 1,319.82 1988........................... 7.03 6,703 471.22 11,136 782.86 17,766 1,248.95 1989........................... 7.72 6,702 517.39 11,474 885.79 17,829 1,376.40 1990........................... 8.32 7,326 609.52 11,752 977.77 19,671 1,636.63 1991........................... 10.08 6,966 702.17 11,175 1,126.44 18,710 1,885.97 1992........................... 12.92 6,907 892.38 10,229 1,321.59 17,121 2,212.03 1993........................... 13.78 6,164 849.40 8,115 1,118.25 17,531 2,415.77 1994........................... 18.88 6,407 1,209.64 7,834 1,479.06 21,374 4,035.41 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 6,446 ......... 9,555 ......... 18,013 ============================================================================ DC-MD: 1985........................... 6.31 4,695 296.25 7,270 458.74 8,649 545.75 1986........................... 6.77 5,164 349.60 7,997 541.40 9,514 644.10 1987........................... 8.19 5,622 460.44 8,705 712.94 10,358 848.32 1988........................... 7.03 6,371 447.88 9,865 693.51 11,738 825.18 1989........................... 7.72 6,854 529.13 10,614 819.40 12,628 974.88 1990........................... 8.32 7,460 620.67 11,552 961.13 13,745 1,143.58 1991........................... 10.08 6,860 691.49 10,623 1,070.80 12,640 1,274.11 1992........................... 12.92 7,557 976.36 9,961 1,286.96 14,837 1,916.94 1993........................... 13.78 6,223 857.53 7,616 1,049.48 13,081 1,802.56 1994........................... 18.88 7,031 1,327.45 14,020 2,646.98 16,922 3,194.87 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 6,557 ......... 10,241 ......... 13,170 ============================================================================ DC-VA: 1985........................... 6.31 5,644 356.14 6,369 401.88 10,559 666.27 1986........................... 6.77 6,096 412.70 6,878 465.64 11,404 772.05 1987........................... 8.19 6,515 533.58 7,351 602.05 12,189 998.28 1988........................... 7.03 7,325 514.95 8,265 581.03 13,704 963.39 1989........................... 7.72 7,272 561.40 8,206 633.50 13,605 1,050.31 1990........................... 8.32 8,197 681.99 9,249 769.52 15,335 1,275.87 1991........................... 10.08 7,625 768.60 8,738 880.79 14,024 1,413.62 1992........................... 12.92 7,663 990.06 9,309 1,202.72 13,374 1,727.92 1993........................... 13.78 6,193 853.40 8,316 1,145.94 11,914 1,641.75 1994........................... 18.88 7,281 1,374.65 12,818 2,420.04 18,202 3,436.54 ---------------------------------------------------------------------------- Totals....................... 100.00 ......... 7,047 ......... 9,103 ......... 13,946 ---------------------------------------------------------------------------------- ------------------------------ [[Page 61390]] Appendix 12.--Rental Data Analyses ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- B&BN Non-Brkr Broker ---------------------------------------------------------------------------------- ---------------- Change Change Change # $ (percent) # $ (percent) # $ (percent) ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honolulu: Low.............................................. 217 $773 -5.3 205 $795 0.0 12 $750 -10.3 Middle........................................... 168 925 -4.8 156 925 -6.8 12 925 -2.6 High............................................. 309 1250 -1.9 285 1200 -5.2 24 1300 1.5 Hilo: Low.............................................. 52 567 9.7 46 520 25.6 6 613 -1.0 Middle........................................... 72 698 0.0 66 695 25.9 6 700 -17.1 High............................................. 156 880 1.4 144 860 25.5 12 900 -14.3 Kailua Kona: Low.............................................. 103 669 -1.3 97 661 7.2 6 677 -8.3 Middle........................................... 78 775 -3.2 72 781 7.5 6 769 -12.1 High............................................. 103 1003 -4.5 91 964 4.2 12 1042 -11.3 Kauai: Low.............................................. 67 688 -25.3 61 700 16.7 6 675 -15.6 Middle........................................... 74 794 -24.4 68 788 -21.2 6 800 -27.3 High............................................. 212 1075 -28.9 200 1050 -36.1 12 1100 -15.2 Maui: Low.............................................. 255 625 -1.6 249 650 8.2 6 600 -10.3 Middle........................................... 253 800 0.4 247 750 5.9 6 850 -4.0 High............................................. 128 975 -11.4 116 950 -6.9 12 1000 -15.2 Guam: Low.............................................. 23 763 -5.0 17 725 -3.2 6 800 -6.5 Middle........................................... 59 900 -14.3 53 900 -8.2 6 900 -19.6 High............................................. 70 1250 -28.6 58 1300 -8.5 12 1200 -42.3 Mayaguez: Low.............................................. 14 425 2.4 7 450 -25.0 7 400 -18.4 Middle........................................... 14 550 -9.2 7 600 2.0 7 500 -21.6 High............................................. 16 725 -26.2 5 850 11.8 11 600 -26.8 San Juan: Low.............................................. 18 451 -38.0 6 388 -45.2 12 513 -31.3 Middle........................................... 25 913 -14.5 13 800 -32.5 12 1025 7.9 High............................................. 54 1400 -26.0 28 1300 -29.0 26 1500 -23.3 St. Croix: Low.............................................. 92 548 -19.3 86 600 -16.0 6 495 -23.1 Middle........................................... 68 600 -44.3 62 600 -28.6 6 600 -20.4 High............................................. 57 1000 -26.5 40 1000 -29.9 17 1000 -22.8 St. Thomas: Low.............................................. 104 663 -15.4 98 650 1.1 6 675 -27.0 Middle........................................... 89 857 -12.4 83 875 -5.9 6 838 -18.2 High............................................. 83 1300 -5.9 71 1200 -5.7 12 1400 -5.9 Washington, DC: Low.............................................. 237 415 -10.4 231 399 -10.7 6 430 -10.2 Middle........................................... 127 530 -13.7 121 535 -14.8 6 525 -12.5 High............................................. 110 1349 -7.6 94 1198 5.1 16 1500 -15.7 DC--Maryland: Low.............................................. 71 525 -4.4 65 525 0.4 6 525 -8.7 Middle........................................... 117 650 -17.1 111 650 -18.6 6 650 -16.8 High............................................. 114 950 -7.9 102 975 -4.5 12 925 -11.1 DC--Virginia: Low.............................................. 51 583 -2.3 45 590 -0.7 6 575 -4.2 Middle........................................... 257 863 11.5 251 775 -4.0 6 950 28.4 High............................................. 149 1225 19.6 137 1150 16.8 12 1300 22.3 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- --------- Appendix 13.--Housing Cost Analysis [Location: Honolulu, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $358 .............. $421 .............. $484 .............. Insurance............................................... 750 $329 1,059 329 1,377 $392 Utilities............................................... 1,608 1,435 1,824 1,608 2,041 1,709 Real estate taxes....................................... 746 .............. 1,027 .............. 1,249 .............. [[Page 61391]] Housing................................................. 14,320 9,276 21,083 11,100 24,394 15,000 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 17,782 11,040 25,414 13,037 29,545 17,101 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Hilo, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $271 .............. $319 .............. $367 .............. Insurance............................................... 604 $395 740 $395 912 $413 Utilities............................................... 1,598 1,424 1,816 1,598 2,034 1,700 Real estate taxes....................................... 635 .............. 1,041 .............. 1,327 .............. Housing................................................. 7,513 6,804 10,314 8,376 12,729 10,560 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 10,621 8,623 14,230 10,369 17,369 12,673 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Kailua Kona, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $295 .............. $347 .............. $399 .............. Insurance............................................... 794 $395 975 $395 1,038 $413 Utilities............................................... 1,751 1,556 1,996 1,751 2,241 1,866 Real estate taxes....................................... 954 .............. 1,495 .............. 1,565 .............. Housing................................................. 10,157 8,028 14,130 9,300 16,235 12,036 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 13,951 9,979 18,943 11,446 21,478 14,315 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis--Hawaii County Composite [Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- - Location Weights Lower income Middle income Upper income ---------------------------------------------------------------------------------- - Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Hilo, HI.............................................. 83.17 $10,621 $8,623 $14,230 $10,369 $17,369 $12,673 Kailua Kona, HI....................................... 16.83 13,951 9,979 18,943 11,446 21,478 14,315 ---------------------------------------------------------------------------------- --------------- Total weight...................................... 100.00 ............ ............ ............ ............ ............ ............ ================================================================================== =============== Hawaii County, HI cost............................ ............ 11,181 8,851 15,023 10,550 18,061 12,949 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Kauai County, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $302 .............. $355 .............. $408 .............. [[Page 61392]] Insurance............................................... 837 $454 1,014 $454 1,158 $550 Utilities............................................... 1,758 1,560 2,005 1,758 2,252 1,873 Real estate taxes....................................... 547 .............. 808 .............. 954 .............. Housing................................................. 10,753 8,256 14,256 9,528 17,344 12,900 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 14,197 10,270 18,438 11,740 22,116 15,323 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Maui County, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $388 .............. $456 .............. $524 .............. Insurance............................................... 691 $394 930 $447 1,065 $538 Utilities............................................... 1,610 1,433 1,831 1,610 2,052 1,713 Real estate taxes....................................... 665 .............. 1,000 .............. 1,133 .............. Housing................................................. 12,634 7,500 17,093 9,600 20,852 11,700 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 15,988 9,327 21,310 11,657 25,626 13,951 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Guam, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $428 .............. $504 .............. $580 .............. Insurance............................................... 1,758 $293 2,479 $293 3,218 $440 Utilities............................................... 2,288 2,084 2,543 2,288 2,798 2,407 Real estate taxes....................................... 420 .............. 593 .............. 770 .............. Housing................................................. 9,001 9,156 11,598 10,800 19,700 15,000 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 13,895 11,533 17,717 13,381 27,066 17,847 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Mayaguez, PR, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $173 .............. $204 .............. $235 .............. Insurance............................................... 449 $260 565 $206 817 $239 Utilities............................................... 1,036 941 1,153 1,036 1,271 1,090 Real estate taxes....................................... 0 .............. 230 .............. 721 .............. Housing................................................. 4,776 5,100 6,782 6,600 10,136 8,700 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 6,434 6,247 8,934 7,842 13,180 10,029 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- [[Page 61393]] Housing Cost Analysis [Location: San Juan, PR, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $164 .............. $193 .............. $222 .............. Insurance............................................... 348 $205 535 $205 783 $277 Utilities............................................... 1,086 987 1,209 1,086 1,332 1,143 Real estate taxes....................................... 0 .............. 367 .............. 924 .............. Housing................................................. 5,213 5,412 6,824 10,956 10,273 16,800 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 6,811 6,604 9,128 12,247 13,534 18,220 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis--Puerto Rico Composite [Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- - Location Weights Lower income Middle income Upper income ---------------------------------------------------------------------------------- - Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- San Juan, PR.......................................... 88.90 $6,811 $6,604 $9,128 $12,247 $13,534 $18,220 Mayaguez, PR.......................................... 11.10 6,434 6,247 8,934 7,842 13,180 10,029 ---------------------------------------------------------------------------------- --------------- Total weight...................................... 100.00 ............ ............ ............ ............ ............ ............ ================================================================================== =============== Puerto Rico cost.................................. ............ 6,769 6,564 9,106 11,758 13,495 17,311 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: St. Croix, VI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $207 .............. $244 .............. $281 .............. Insurance............................................... 1,604 $582 2,590 $582 4,183 $654 Utilities............................................... 1,530 1,363 1,737 1,530 1,945 1,627 Real estate taxes....................................... 393 .............. 773 .............. 1,388 .............. Housing................................................. 6,647 6,576 9,484 7,200 14,238 12,000 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 10,381 8,521 14,828 9,312 22,035 14,281 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: St. Thomas, VI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $216 .............. $254 .............. $292 .............. Insurance............................................... 2,591 $512 4,166 $512 4,260 $762 Utilities............................................... 1,530 1,363 1,737 1,530 1,945 1,627 Real estate taxes....................................... 611 .............. 1,239 .............. 1,278 .............. Housing................................................. 9,875 7,956 13,907 10,284 15,989 15,600 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 14,823 9,831 21,303 12,326 23,764 17,989 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- [[Page 61394]] Housing Cost Analysis-- Virgin Islands Composite [Summr 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- - Location Weights Lower income Middle income Upper income ---------------------------------------------------------------------------------- - Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- St. Croix, VI......................................... 45.09 $10,381 $8,521 $14,828 $9,312 $22,035 $14,281 St. Thomas, VI........................................ 54.91 14,823 9,831 21,303 12,326 23,764 17,989 ---------------------------------------------------------------------------------- --------------- Total weight...................................... 100.000 ............ ............ ............ ............ ............ ............ ================================================================================== =============== Puerto Rico cost.................................. ............ 12,820 9,240 18,383 10,967 22,984 16,317 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Washington DC, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $312 .............. $367 .............. $422 .............. Insurance............................................... 212 $79 261 $79 730 $98 Utilities............................................... 1,579 1,402 1,801 1,579 2,023 1,683 Real estate taxes....................................... 530 .............. 712 2,439 .............. .............. Housing................................................. 6,446 4,980 9,555 6,360 18,013 16,188 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 9,079 6,641 12,696 8,018 23,627 17,969 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Washington, DC, MD, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $319 .............. $375 .............. $431 .............. Insurance............................................... 237 $59 294 $59 355 $69 Utilities............................................... 2,062 1,820 2,366 2,062 2,669 2,204 Real estate taxes....................................... 1,254 .............. 2,501 .............. 3,018 .............. Housing................................................. 6,557 6,300 10,241 7,800 13,170 11,400 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 10,429 8,179 15,777 9,921 19,643 13,673 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Cost Analysis [Location: Washington, DC, VA, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- ------------- Category Lower income Middle income Upper income ---------------------------------------------------------------------------------- ------------- Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Maintenance............................................. $286 .............. $336 .............. $386 .............. Insurance............................................... 208 $126 304 $126 410 $148 Utilities............................................... 1,932 1,712 2,208 1,932 2,483 2,061 Real estate taxes....................................... 1,211 .............. 2,132 .............. 3,027 .............. Housing................................................. 7,047 6,996 9,103 10,356 13,946 14,700 ---------------------------------------------------------------------------------- ------------- Total annual cost................................... 10,684 8,834 14,083 12,414 20,252 16,909 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- [[Page 61395]] Housing Cost Analysis--Washington DC Composite [Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Annual costs ---------------------------------------------------------------------------------- - Location Weights Lower income Middle income Upper income ---------------------------------------------------------------------------------- - Owner Renter Owner Renter Owner Renter ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Washington DC, DC..................................... 33.34 $9,079 $6,461 $12,696 $8,018 $23,627 $17,969 Washington DC, MD..................................... 33.33 10,429 8,179 15,777 9,921 19,643 13,673 Washington DC, VA..................................... 33.33 10,684 8,834 14,083 12,414 20,252 16,909 ---------------------------------------------------------------------------------- --------------- Total weight...................................... 100.00 ............ ............ ............ ............ ............ ............ ================================================================================== =============== Composite cost.................................... ............ 10,064 7,825 14,185 10,117 21,174 16,184 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Appendix 14.--Housing Analysis [Location: Honolulu, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Owners Renters ---------------------------------------------------------------------------------- ------------- Total annual Total cost DC Total annual Total cost DC cost area Index cost area Index ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income............................................ $17,782 $10,064 176.69 $11,040 $7,825 141.09 Middle income........................................... 25,414 14,185 179.16 13,037 10,117 128.86 Upper income............................................ 29,545 21,174 139.53 17,101 16,184 105.67 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Analysis [Location: Hawaii County, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Owners Renters ---------------------------------------------------------------------------------- ------------- Total annual Total cost DC Total annual Total cost DC cost area Index cost area Index ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income............................................ $11,181 $10,064 111.10 $8,851 $7,825 113.11 Middle income........................................... 15,023 14,185 105.91 10,550 10,117 104.28 Upper income............................................ 18,061 21,174 85.30 12,949 16,184 80.01 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Analysis [Location: Kauai County, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Owners Renters ---------------------------------------------------------------------------------- ------------- Total annual Total cost DC Total annual Total cost DC cost area Index cost area Index ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income............................................ $14,197 $10,064 141.07 $10,270 $7,825 131.25 Middle income........................................... 18,438 14,185 129.98 11,740 10,117 116.04 Upper income............................................ 22,116 21,174 104.45 15,323 16,184 94.68 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Analysis [Location: Maui County, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Owners Renters ---------------------------------------------------------------------------------- ------------- Total annual Total cost DC Total annual Total cost DC cost area Index cost area Index ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income............................................ $15,988 $10,064 158.86 $9,327 $7,825 119.19 Middle income........................................... 21,310 14,185 150.23 11,657 10,117 115.22 Upper income............................................ 25,626 21,174 121.03 13,951 16,184 86.20 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- [[Page 61396]] Housing Analysis [Location: Guam, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Owners Renters ---------------------------------------------------------------------------------- ------------- Total annual Total cost DC Total annual Total cost DC cost area Index cost area Index ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income............................................ $13,895 $10,064 138.07 $11,533 $7,825 147.39 Middle income........................................... 17,717 14,185 124.90 13,381 10,117 132.26 Upper income............................................ 27,066 21,174 127.83 17,847 16,184 110.28 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Analysis [Location: Puerto Rico, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Owners Renters ---------------------------------------------------------------------------------- ------------- Total annual Total cost DC Total annual Total cost DC cost area Index cost area Index ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income............................................ $6,769 $10,064 67.26 $6,564 $7,825 83.88 Middle income........................................... 9,106 14,185 64.19 11,758 10,117 116.22 Upper income............................................ 13,495 21,174 63.73 17,311 16,184 106.96 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Housing Analysis [Location: Virgin Islands, Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Owners Renters ---------------------------------------------------------------------------------- ------------- Total annual Total cost DC Total annual Total cost DC cost area Index cost area Index ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income............................................ $12,820 $10,064 127.38 $9,240 $7,825 118.08 Middle income........................................... 18,383 14,185 129.59 10,967 10,117 108.40 Upper income............................................ 22,984 21,174 108.55 16,317 16,184 100.82 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Appendix 15.--Private Transportation Cost Analysis [Location: Honolulu, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L4 cyl DX 4 3.0L 6 cyl GL Blazer 4.3L 6 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $822 $1,192 $1,490 Maintenance/oil................................................. 424 476 505 Tires........................................................... 110 141 153 License and registration........................................ 101 115 124 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,786 3,405 2,815 Finance expense................................................. 739 859 901 Insurance....................................................... 1,788 1,752 1,903 ----------------------------------------------- Total annual costs.......................................... 6,770 7,940 7,891 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Hilo, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $882 $1,279 $1,599 Maintenance/oil................................................. 416 422 449 Tires........................................................... 120 168 178 License and registration........................................ 101 115 124 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 3,629 3,201 3,631 Finance expense................................................. 919 851 1,082 [[Page 61397]] Insurance....................................................... 2,024 2,171 2,366 ----------------------------------------------- Total annual cost........................................... 8,091 8,207 9,429 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Kailua Kona, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $936 $1,358 $1,697 Maintenance/oil................................................. 444 510 478 Tires........................................................... 95 174 139 License and registration........................................ 101 115 124 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,631 3,421 3,613 Finance expense................................................. 755 914 1,106 Insurance....................................................... 1,457 1,368 1,742 ----------------------------------------------- Total annual cost........................................... 6,419 7,860 8,899 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis--Hawaii Composite [Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Location Weights Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Hilo, HI........................................ 83.17 $8,091 $8,207 $9,429 Kailua Kona, HI................................. 16.83 6,419 7,860 8,899 --------------------------------------------------------------- Total weight................................ 100.00 .............. .............. .............. =============================================================== Composite cost.............................. .............. 7,810 8,149 9,340 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Kauai, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $882 $1,279 $1,599 Maintenance/oil................................................. 386 427 467 Tires........................................................... 75 112 95 License and registration........................................ 101 115 124 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 3,463 3,441 4,298 Finance expense................................................. 851 857 1,153 Insurance....................................................... 1,327 1,274 1,596 ----------------------------------------------- Total annual cost........................................... 7,085 7,505 9,332 ---------------------------------------------------------------------------------- ------------------------------ [[Page 61398]] Private Transportation Cost Analysis [Location: Maui, HI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $893 $1,295 $1,618 Maintenance/oil................................................. 439 524 500 Tires........................................................... 113 140 149 License and registration........................................ 101 115 124 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,631 3,175 3,907 Finance expense................................................. 786 904 1,209 Insurance....................................................... 1,825 1,825 2,063 ----------------------------------------------- Total annual cost........................................... 6,788 7,978 9,570 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Guam Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4 WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $784 $1,137 $1,421 Maintenance/oil................................................. 295 327 414 Tires........................................................... 83 125 203 License and registration........................................ 23 25 27 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,504 4,261 2,818 Finance expense................................................. 834 1,223 1,092 Insurance....................................................... 1,088 1,587 1,879 ----------------------------------------------- Total annual cost........................................... 5,611 8,685 7,854 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Mayaguez, PR, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4 WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $619 897 $1,121 Maintenance/oil................................................. 284 310 429 Tires........................................................... 68 147 113 License and registration........................................ 88 88 88 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,980 3,641 3,619 Finance expense................................................. 937 1,091 1,265 Insurance....................................................... 1,224 1,447 1,666 ----------------------------------------------- Total annual cost........................................... 6,200 7,621 8,301 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: San Juan, PR, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $592 $858 $1,073 Maintenance/oil................................................. 289 308 352 Tires........................................................... 57 96 135 License and registration........................................ 88 88 88 Miscellaneous tax............................................... 0 0 0 [[Page 61399]] Depreciation.................................................... 3,056 3,622 3,594 Finance expense................................................. 954 1,087 1,260 Insurance....................................................... 1,416 1,616 1,829 ----------------------------------------------- Total annual cost........................................... 6,452 7,675 8,331 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis--Puerto Rico Composite [Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Location Weights Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ San Juan, PR.................................... 88.90 $6,452 $7,675 $8,331 Mayaguez, PR.................................... 11.10 6,200 7,621 8,301 --------------------------------------------------------------- Total weight................................ 100.00 .............. .............. .............. =============================================================== Composite cost.............................. .............. 6,424 7,669 8,328 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: St. Croix, VI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $608 $881 1,102 Maintenance/oil................................................. 323 278 396 Tires........................................................... 80 143 133 License and registration........................................ 47 56 68 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,809 3,554 3,241 Finance expense................................................. 936 1,115 1,231 Insurance....................................................... 1,876 2,262 2,745 ----------------------------------------------- Total annual cost........................................... 6,679 8,289 8,916 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: St. Thomas, VI, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $629 $912 $1,140 Maintenance/oil................................................. 345 396 437 Tires........................................................... 86 110 126 License and registration........................................ 47 56 68 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 3,020 3,651 4,121 Finance expense................................................. 862 997 1,251 Insurance....................................................... 1,429 1,477 2,466 ----------------------------------------------- Total annual cost........................................... 6,418 7,599 9,609 ---------------------------------------------------------------------------------- ------------------------------ [[Page 61400]] Private Transportation Cost Analysis--Virgin Islands Composite [Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Location Weights Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ St. Croix, VI................................... 45.09 $6,679 $8,289 $8,916 St. Thomas, VI.................................. 54.91 6,418 7,599 9,609 --------------------------------------------------------------- Total weight................................ 100.00 .............. .............. .............. =============================================================== Composite cost.............................. .............. 6,536 7,910 9,297 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Washington DC, DC Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4 WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $649 $941 $1,177 Maintenance/oil................................................. 444 449 507 Tires........................................................... 48 75 87 License and registration........................................ 69 69 102 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,836 3,311 2,887 Finance expense................................................. 568 639 694 Insurance....................................................... 1,558 1,616 1,994 ----------------------------------------------- Total annual cost........................................... 6,172 7,100 7,448 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Washington, DC, MD, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $633 $918 $1,147 Maintenance/oil................................................. 389 400 426 Tires........................................................... 78 104 106 License and registration........................................ 39 39 39 Miscellaneous tax............................................... 0 0 0 Depreciation.................................................... 2,602 3,130 2,725 Finance expense................................................. 530 608 665 Insurance....................................................... 956 982 1,096 ----------------------------------------------- Total annual costs.......................................... 5,227 6,181 6,204 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis [Location: Washington DC, VA, Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Category Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Fuel............................................................ $622 $902 $1,127 Maintenance/oil................................................. 406 489 464 Tires........................................................... 54 72 96 License and registration........................................ 52 52 52 Miscellaneous tax............................................... 297 340 491 Depreciation.................................................... 2,673 3,213 2,701 Finance expense................................................. 497 570 609 [[Page 61401]] Insurance....................................................... 729 719 773 ----------------------------------------------- Total annual cost........................................... 5,330 6,357 6,313 ---------------------------------------------------------------------------------- ------------------------------ Private Transportation Cost Analysis--Washington DC Composite [Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Annual costs ----------------------------------------------- Location Weights Honda Civic Ford Taurus Chevrolet S10 1.5L 4 cyl DX 3.0L 6 cyl GL Blazer 4.3L 6 4 dr sedan 4 dr sedan cyl 4WD 2 dr ---------------------------------------------------------------------------------- ------------------------------ Washington DC, DC............................... 33.34 $6,172 $7,100 $7,448 Washington DC, MD............................... 33.33 5,227 6,181 6,204 Washington DC, VA............................... 33.33 5,330 6,357 6,313 --------------------------------------------------------------- Total weight................................ 100.00 .............. .............. .............. =============================================================== Composite cost.............................. .............. 5,576 6,546 6,655 ---------------------------------------------------------------------------------- ------------------------------ Appendix 16.--Auto Insurance Calculation Worksheet--Special Limits Adjustments [Location: Guam] Allowance area--original values Reference area--special limits Indexes ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy DC BI 25/50........................ 160.33 160.33 160.33 BI 25/50........... 517.40 517.40 504.30 30.99 30.99 31.79 PD 20........................... In BI In BI In BI PD 10.............. In BI In BI In BI ......... ......... ......... Med 2........................... 17.67 17.67 17.67 Med................ ......... ......... ......... ......... ......... ......... UM 25/50........................ ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... ......... CM 100.......................... 265.67 422.33 573.33 CM 100............. 251.26 261.91 441.14 ......... ......... ......... CL 200.......................... 576.67 893.33 1,028.67 CL 250............. 542.24 588.44 802.86 ......... ......... ......... --------------------------------- ----------------------------------------------------------------- Total*.................... 1,002.67 1,475.99 1,762.33 Total.......... 1,310.90 1,367.75 1,748.30 76.49 107.91 100.80 MD BI 25/40........... 465.80 465.80 465.80 34.42 34.42 34.42 PD 10.............. In BI In BI In BI ......... ......... ......... Med................ ......... ......... ......... ......... ......... ......... UM 25/40........... ......... ......... ......... ......... ......... ......... CM 500............. 125.70 149.62 179.92 ......... ......... ......... CL 500............. 325.30 335.20 388.78 ......... ......... ......... ----------------------------------------------------------------- Total.......... 916.80 950.62 1,034.50 109.37 155.27 170.36 VA BI 25/50........... 276.97 282.83 264.97 57.89 56.69 60.51 PD 20.............. In BI In BI In BI ......... ......... ......... Med................ ......... ......... ......... ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... ......... CM 500............. 100.73 105.94 139.24 ......... ......... ......... CL 500............. 241.53 239.58 260.76 ......... ......... ......... ----------------------------------------------------------------- Total.......... 619.23 628.35 664.97 161.92 234.90 265.02 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Allowance area--adjusted values Reference area--normal limits Adjusted values ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- DC BI 100/300...................... 176.67 174.93 175.14 BI 100/300......... 638.61 648.61 627.16 197.89 200.99 199.39 PD 50........................... In BI In BI In BI PD 50.............. In BI In BI In BI ......... ......... ......... Med 2........................... 17.67 17.67 17.67 Med................ N/A N/A N/A ......... ......... ......... UM 100/300...................... 50.95 79.17 84.32 UM 100/300......... 71.35 71.35 71.35 54.57 77.00 71.92 CM 100.......................... 265.67 422.33 573.33 CM 100............. 251.26 261.91 441.14 ......... ......... ......... CL 200.......................... 576.67 893.33 1,028.67 CL 250............. 542.24 588.44 802.86 ......... ......... ......... --------------------------------- ----------------------------------------------------------------- Total**................... 1,087.63 1,587.43 1,879.14 Total.......... 1,503.46 1,570.31 1,942.51 ......... ......... ......... MD BI 100/300......... 423.30 400.08 400.08 145.70 137.71 137.71 PD 50.............. In BI In BI In BI ......... ......... ......... [[Page 61402]] Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... 47.55 60.15 61.55 52.00 93.39 104.85 CM 100............. 125.70 149.62 179.92 ......... ......... ......... CL 250............. 325.30 335.20 388.78 ......... ......... ......... ----------------------------------------------------------------- Total.......... 921.85 945.05 1,030.33 ......... ......... ......... VA BI 100/300......... 322.05 328.25 311.25 186.43 186.08 188.33 PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... 28.58 28.58 28.75 46.28 67.13 76.19 CM 100............. 100.73 105.94 139.24 ......... ......... ......... CL 250............. 241.53 239.58 260.76 ......... ......... ......... ----------------------------------------------------------------- Total.......... 692.89 702.35 740.00 ......... ......... ......... ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Notes: Comparable BI/PD coverage was priced in the allowance and in the reference area, and premiums were compared to derive indexes. These indexes were used to estimate the cost of equivalent coverage in allowance area. Uninsured Motorist premiums were adjusted using the relative total cost of premiums (less Medical coverage where applicable), and Medical premiums were not adjusted because they were not part of the reference area normal coverage. *Less Medical. **Including Medical. Auto Insurance Calculation Worksheet--Special Limits Adjustments [Location: Mayaguez] Allowance area--original values Reference area--special limits Indexes ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy DC BI 100/300...................... 153.77 153.77 153.77 BI 100/300......... 638.61 648.61 627.16 ......... ......... ......... PD 50........................... 133.83 133.83 133.83 PD 50.............. In BI In BI In BI ......... ......... ......... Med 5........................... 5.40 5.40 5.40 Med................ N/A N/A N/A ......... ......... ......... UM 100/300...................... ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... ......... CM 100.......................... 414.23 558.53 700.27 CM 100............. 251.26 261.91 441.14 ......... ......... ......... CL 250.......................... 459.77 523.60 598.03 CL 250............. 542.24 588.44 802.86 ......... ......... ......... --------------------------------- ----------------------------------------------------------------- Total*.................... 1,161.60 1,369.73 1,585.90 Total............ 1,432.11 1,498.96 1,871.16 81.11 91.38 84.75 MD BI 100/300......... 423.30 400.08 400.08 ......... ......... ......... PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... ......... CM 100............. 125.70 149.62 179.92 ......... ......... ......... CL 250............. 325.30 335.20 388.78 ......... ......... ......... ----------------------------------------------------------------- Total............ 874.30 884.90 968.78 132.86 154.79 163.70 VA Bl 100/300......... 322.05 328.25 311.25 ......... ......... ......... PD 50.............. In Bl In Bl In Bl ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... ......... CM 100............. 100.73 105.94 139.24 ......... ......... ......... CL 250............. 241.53 239.58 260.76 ......... ......... ......... ----------------------------------------------------------------- Total............ 664.31 673.77 711.25 174.86 203.29 222.97 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Allowance area--adjusted values Reference area--normal limits Adjusted values ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- DC BI 100/300...................... 153.77 153.77 153.77 BI 100/300......... 638.61 648.61 627.16 ......... ......... ......... PD50............................ 133.83 133.83 133.83 PD50............... In BI In BI In BI ......... ......... ......... Med 2........................... 5.40 5.40 5.40 Med................ N/A N/A N/A ......... ......... ......... UM 100/300...................... 57.01 72.14 75.11 UM 100/30.......... 71.35 71.35 71.35 57.87 65.20 60.47 CM 100.......................... 414.23 558.53 700.27 CM 100............. 251.26 261.91 441.14 ......... ......... ......... CL 200.......................... 459.77 523.6 598.03 CL 250............. 524.24 588.44 802.86 ......... ......... ......... --------------------------------- ----------------------------------------------------------------- Total**..................... 1,224.01 1,447.27 1,666.41 Total............ 1,503.46 1,570.31 1,942.51 ......... ......... ......... MD BI 100/300......... 423.30 400.08 400.08 ......... ......... ......... PD50............... In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/30.......... 47.55 60.15 61.55 63.18 93.11 100.76 CM 100............. 125.70 149.62 179.92 ......... ......... ......... CL 250............. 325.30 335.20 388.78 ......... ......... ......... ----------------------------------------------------------------- Total............ 921.85 945.05 1,030.33 ......... ......... ......... VA ......... ......... ......... ......... ......... ......... BI 100/300......... 322.05 328.25 311.25 ......... ......... ......... PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... [[Page 61403]] UM 100/30.......... 28.58 28.58 28.75 49.97 58.10 64.10 CM 100............. 100.73 105.94 139.24 ......... ......... ......... CL 250............. 241.53 239.58 260.76 ......... ......... ......... ----------------------------------------------------------------- Total............ 692.89 702.35 740.00 ......... ......... ......... ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less than Medical and Uninsured Motorist premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference area Uninsured Motorist premiums. *Less Medical **Including Medical Auto Insurance Calculation Worksheet--Special Limits Adjustments [Location: San Juan] Allowance area--original values Reference area--special limits Indexes ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy DC BI 100/300...................... 180.80 180.80 180.80 BI 100/300......... 638.61 648.61 627.16 ......... ......... ......... PD 50........................... 151.30 151.30 151.30 PD 50.............. In BI In BI In BI ......... ......... ......... Med 5........................... 7.67 7.67 7.67 Med................ N/A N/A N/A ......... ......... ......... UM 100/300...................... ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... ......... CM 100.......................... 549.50 689.73 840.00 CM 100............. 251.26 261.91 441.14 ......... ......... ......... CL 250.......................... 460.90 505.67 566.73 CL 250............. 542.24 588.44 802.86 ......... ......... ......... --------------------------------- ----------------------------------------------------------------- Total*.................... 1,342.50 1,527.50 1,738.83 Total............ 1,432.11 1,498.96 1,871.16 93.74 101.90 92.93 MD BI 100/300......... 423.30 400.08 400.08 ......... ......... ......... PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... ......... CM 100............. 125.70 149.62 179.92 ......... ......... ......... CL 250............. 325.30 335.20 388.78 ......... ......... ......... ----------------------------------------------------------------- Total............ 874.30 884.90 968.78 153.55 172.62 179.49 VA BI 100/300......... 322.05 328.25 311.25 ......... ......... ......... PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... ......... ......... ......... ......... ......... ......... CM 100............. 100.73 105.94 139.24 ......... ......... ......... CL 250............. 241.53 239.58 260.76 ......... ......... ......... ----------------------------------------------------------------- Total............ 664.31 673.77 711.25 202.09 226.71 244.48 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Allowance area--adjusted values Reference area--normal limits Adjusted values ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- DC BI 100/300...................... 180.80 180.80 180.80 BI 100/300......... 638.61 648.61 627.16 ......... ......... ......... PD 50........................... 151.30 151.30 151.30 PD 500............. In BI In BI In BI ......... ......... ......... Med 2........................... 7.67 7.67 7.67 Med................ N/A N/A N/A ......... ......... ......... UM 100/300...................... 65.89 80.44 82.35 UM 100/300......... 71.35 71.35 71.35 66.89 72.71 66.30 CM 100.......................... 549.50 689.73 840.00 CM 100............. 251.26 261.91 441.14 ......... ......... ......... CL 200.......................... 460.90 505.67 566.73 CL 250............. 542.24 588.44 802.86 ......... ......... ......... --------------------------------- ----------------------------------------------------------------- Total**..................... 1,416.06 1,615.61 1,828.85 Total............ 1,503.46 1,570.31 1,942.51 ......... ......... ......... MD BI 100/300......... 423.30 400.08 400.08 ......... ......... ......... PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... 47.55 60.15 61.55 73.01 103.83 110.47 CM 100............. 125.70 149.62 179.92 ......... ......... ......... CL 250............. 325.30 335.20 388.78 ......... ......... ......... ----------------------------------------------------------------- Total............ 921.85 945.05 1,030.33 ......... ......... ......... VA BI 100/300......... 322.05 328.25 311.25 ......... ......... ......... PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... 28.58 28.58 28.75 57.76 64.79 70.29 CM 100............. 100.73 105.94 139.24 ......... ......... ......... CL 250............. 241.53 239.58 260.76 ......... ......... ......... ----------------------------------------------------------------- Total............ 692.89 702.35 740.00 ......... ......... ......... ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical and Uninsured Motorist premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference are Uninsured Motorist premiums. *Less Medical **Including Medical [[Page 61404]] Auto Insurance Calculation Worksheet--Special Limits Adjustments [Location: St. Croix] Allowance area--original values Reference area--special limits Indexes ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy DC BI 10/20........................ 339.61 336.76 296.00 BI 25/50........... 517.40 517.40 504.30 65.64 65.09 58.70 PD 10........................... In BI In BI In BI PD 10.............. In BI In BI In BI ......... ......... ......... Med 5........................... 41.17 40.84 40.00 Med................ ......... ......... ......... ......... ......... ......... UM.............................. ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... ......... CM 250.......................... 392.07 422.37 571.34 CM 500............. 171.92 164.82 307.50 228.05 256.26 185.80 CL 500.......................... 781.63 984.36 1,321.19 CL 500............. 432.14 443.99 579.63 180.87 221.71 227.94 --------------------------------- ----------------------------------------------------------------- Total*...................... 1,513.31 1,743.49 2,188.53 Total.............. 1,121.46 1,126.21 1,391.43 134.94 154.81 157.29 MD BI 25/40........... 465.80 465.80 465.80 72.91 72.30 63.55 PD 10.............. In BI In BI In BI ......... ......... ......... Med................ ......... ......... ......... ......... ......... ......... UM 25/40........... ......... ......... ......... ......... ......... ......... CM 500............. 109.20 107.30 155.30 359.04 393.63 367.89 CL 500............. 364.80 337.80 423.20 214.26 291.40 312.19 ----------------------------------------------------------------- Total.............. 939.80 910.90 1,044.30 161.02 191.40 209.57 VA BI 25/50........... 276.97 282.83 264.97 122.62 119.07 111.71 PD 20.............. In BI In BI In BI ......... ......... ......... Med................ ......... ......... ......... ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... ......... CM 500............. 73.95 77.50 106.47 530.18 544.99 536.62 CL 500............. 211.03 208.87 225.78 370.39 471.28 585.17 ----------------------------------------------------------------- Total.............. 561.95 569.20 597.22 269.30 306.31 366.45 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Allowance area--adjusted values Reference area--normal limits Adjusted values ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- DC BI 100/300...................... 374.23 367.42 323.25 BI 100/300......... 638.61 648.61 627.16 419.17 422.16 368.11 PD 50........................... In BI In BI In BI PD 50.............. In BI In BI In BI ......... ......... ......... Med 2........................... 41.17 40.84 40.00 Med................ N/A N/A N/A ......... ......... ......... UM 100/300...................... 83.27 104.38 115.52 UM 100/300......... 71.35 71.35 71.35 96.28 110.46 112.22 CM 100.......................... 519.46 612.50 742.92 CM 100............. 251.26 261.91 441.14 573.01 671.17 819.65 CL 200.......................... 857.46 1,136.83 1,523.21 CL 250............. 542.24 588.44 802.86 980.77 1,304.62 1,830.01 --------------------------------- ----------------------------------------------------------------- Total**..................... 1,875.58 2,261.96 2,745.00 Total.............. 1,503.46 1,570.31 1,942.51 2,069.23 2,508.41 3,130.00 MD BI 100/300......... 423.30 400.08 400.08 308.62 289.25 254.24 PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... 47.55 60.15 61.55 76.57 115.13 128.99 CM 100............. 125.70 149.62 179.92 451.31 588.96 661.92 CL 250............. 325.30 335.20 388.78 697.00 976.78 1,213.73 ----------------------------------------------------------------- Total.............. 921.85 945.05 1,030.33 1,533.50 1,970.11 2,258.88 VA BI 100/300......... 322.05 328.25 311.25 394.89 390.84 347.70 PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N./A N/A ......... ......... ......... UM 100/300......... 28.58 28.58 28.75 76.96 87.54 105.36 CM 100............. 100.73 105.94 139.24 534.05 577.37 747.19 CL 250............. 241.53 239.58 260.76 894.60 1,129.09 1,525.88 ----------------------------------------------------------------- Total.............. 692.89 702.35 740.00 1,900.50 2,184.84 2,726.13 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent coverage in allownace area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference to normal coverage. *Less Medical **Including Medical Auto Insurance Calculation Worksheet--Special Limits Adjustments [Location: St. Thomas] Allowance area--original values Reference area--special limits Indexes ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy DC BI 10/20........................ 277.81 278.39 296.00 BI 25/50........... 517.40 517.40 504.30 53.69 53.81 58.70 PD 10........................... In BI In BI In BI PD 10.............. In BI In BI In BI ......... ......... ......... Med 5........................... 38.20 38.19 48.00 Med................ ......... ......... ......... ......... ......... ......... UM.............................. ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... ......... CM 250.......................... 304.29 293.46 388.00 CM 500............. 171.92 164.82 307.50 177.00 178.05 126.18 [[Page 61405]] CL 500.......................... 563.66 555.77 1,289.00 CL 500............. 432.14 443.99 579.63 130.43 125.18 222.38 --------------------------------- ----------------------------------------------------------------- Total*...................... 1,145.76 1,127.62 1,973.00 Total.......... 1,121.46 1,126.21 1,391.43 102.17 100.13 141.80 MD BI 25/40........... 465.80 465.80 465.80 59.64 59.77 63.55 PD 10.............. In BI In BI In BI ......... ......... ......... Med................ ......... ......... ......... ......... ......... ......... UM 25/40........... ......... ......... ......... ......... ......... ......... CM 500............. 109.20 107.30 155.30 278.65 273.49 249.84 CL 500............. 364.80 337.80 423.20 154.51 164.53 304.58 --------------------------------- ----------------------------------------------------------------- Total.......... 939.80 910.90 1,044.30 121.92 123.79 188.93 VA BI 25/50........... 276.97 282.83 264.97 100.30 98.43 111.71 PD 20.............. In BI In BI In BI ......... ......... ......... Med................ ......... ......... ......... ......... ......... ......... UM 25/50........... ......... ......... ......... ......... ......... ......... CM 500............. 73.95 77.50 106.47 411.48 378.66 364.42 CL 500............. 211.03 208.87 225.78 267.10 266.08 570.91 --------------------------------- ----------------------------------------------------------------- Total.......... 561.95 569.20 597.22 203.89 198.11 330.36 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Allowance area--adjusted values Reference area--normal limits Adjusted values ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Honda Ford Chevy Honda Ford Chevy Honda Ford Chevy ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- DC BI 100/300...................... 306.13 303.73 323.35 BI 100/300......... 638.61 648.61 627.16 342.89 348.99 368.11 PD 50........................... In BI In BI In BI PD 50.............. In BI In BI In BI ......... ......... ......... Med 2........................... 38.20 38.19 48.00 Med................ N/A N/A N/A ......... ......... ......... UM 100/300...................... 63.05 67.51 104.15 UM 100/300......... 71.35 71.35 71.35 72.90 71.44 101.17 CM 100.......................... 403.16 425.56 504.52 CM 100............. 251.26 261.91 441.14 444.72 466.33 556.63 CL 200.......................... 618.34 641.85 1,486.10 CL 250............. 542.24 588.44 802.85 707.27 736.59 1,785.43 --------------------------------- ----------------------------------------------------------------- Total**................... 1,428.87 1,476.84 2,466.11 Total.......... 1,503.46 1,570.31 1,942.51 1,567.77 1,623.34 2,811.34 MD BI 100/300......... 423.30 400.08 400.08 252.46 239.11 254.24 PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... 47.55 60.15 61.55 57.97 74.46 116.29 CM 100............. 125.70 149.62 179.92 350.27 409.20 449.51 CL 250............. 325.30 335.20 388.78 502.63 551.49 1,184.16 ----------------------------------------------------------------- Total.......... 921.85 945.05 1,030.33 1,163.33 1,274.27 2,004.20 VA BI 100/300......... 322.05 328.25 311.25 323.03 323.10 347.70 PD 50.............. In BI In BI In BI ......... ......... ......... Med................ N/A N/A N/A ......... ......... ......... UM 100/300......... 28.58 28.58 28.75 58.27 56.62 94.98 CM 100............. 100.73 105.94 139.24 414.48 401.15 507.42 CL 250............. 241.53 239.58 260.76 645.13 637.48 1,488.70 ---------------------------------------------------------------------------------- ---- Total.......... 692.89 702.35 740.00 1,440.91 1,418.35 2,438.80 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent coverage in allowance area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference are normal coverage. *Less Medical **Including Medical Appendix 17.--Air Fares and Other Transportation Expenses Cost Analysis Summary Program [Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Air fares and other Total cost DC Location transportation area Index expenses cost ---------------------------------------------------------------------------------- ------------------------------ Honolulu, HI.................................................... $289 $441 65.53 Hawaii County, HI............................................... 427 441 96.83 Kauai County, HI................................................ 419 441 95.01 Maui County, HI................................................. 429 441 97.28 Guam............................................................ 1171 441 265.53 Puerto Rico..................................................... 639 441 144.90 Virgin Islands.................................................. 697 441 158.05 ---------------------------------------------------------------------------------- ------------------------------ [[Page 61406]] Air Fares and Other Transportation Expenses Composites [Summer 1994 Survey] ------------------------------------------------------------------------ Location Weights Cost ------------------------------------------------------------------------ San Juan, PR............................ 88.90 $639 Mayaguez, PR............................ 11.10 639 ------------------------------- Total Weight........................ 100.00 .............. =============================== Puerto Rico cost........................ .............. 639 Hilo, HI................................ 83.17 429 Kailua Kona, HI......................... 16.83 419 ------------------------------- Total Weight........................ 100.00 .............. =============================== Hawaii County, HI cost.................. .............. 427 St. Croix, VI........................... 45.09 697 St. Thomas, VI.......................... 54.91 697 ------------------------------- Total Weight........................ 100.00 .............. =============================== Virgin Islands cost..................... .............. 697 ------------------------------------------------------------------------ Appendix 18.--Transportation Analysis [Location: Honolulu, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total annual Total cost DC Vehicle cost area Index ---------------------------------------------------------------------------------- ------------------------------ 1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... 6,770 5,576 121.41 2. Fort Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,940 6,546 121.30 3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 7,891 6,655 118.57 ----------------------------------------------- Average index............................................... .............. .............. 120.43 ---------------------------------------------------------------------------------- ------------------------------ Transportation Summary ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Category Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Private transportation....................................... 120.43 94.64 113.98 93.54 112.65 92.47 111.36 Air fares and other transportation expenses.................. 65.53 5.36 3.51 6.46 4.23 7.53 4.93 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 117.49 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 116.88 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 116.29 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Transportation Analysis [Location: Hawaii County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total annual Total cost DC Vehicle cost area Index ---------------------------------------------------------------------------------- ------------------------------ 1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $7,810 $5,576 140.06 2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 8,149 6,546 124.49 3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,340 6,655 140.35 ----------------------------------------------- Average index............................................... .............. .............. 134.97 ---------------------------------------------------------------------------------- ------------------------------ Transportation Summary ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Category Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Private transportation....................................... 134.97 94.64 127.74 93.54 126.26 92.47 124.81 [[Page 61407]] Air fares and other transportation expenses.................. 96.83 5.36 5.19 6.46 6.25 7.53 7.29 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 132.93 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 132.51 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 132.10 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Transportation Analysis [Location: Kauai County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total annual Total cost DC Vehicle cost area Index ---------------------------------------------------------------------------------- ------------------------------ 1. Honda Civic DX 4 dr sdn 1.5L 4cyl............................ $7,085 $5,576 127.06 2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,505 6,546 114.65 3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,332 6,655 140.23 ----------------------------------------------- Average index............................................... .............. .............. 127.31 ---------------------------------------------------------------------------------- ------------------------------ Transportation Summary ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Category Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Private transportation....................................... 127.31 94.64 120.49 93.54 119.09 92.47 117.72 Air fares and other transportation expenses.................. 95.01 5.36 5.09 6.46 6.13 7.53 7.15 ---------------------------------------------------------------------------------- -------- Total Weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 125.58 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 125.22 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 124.87 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Transportation Analysis [Location: Maui County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total annual Total cost DC Vehicle cost area Index ---------------------------------------------------------------------------------- ------------------------------ 1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $6,788 $5,576 121.74 2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,978 6,546 121.88 3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,570 6,655 143.80 ----------------------------------------------- Average index............................................... .............. .............. 129.14 ---------------------------------------------------------------------------------- ------------------------------ Transportation Summary ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Category Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Private transportation....................................... 129.14 94.64 122.22 93.54 120.80 92.47 119.42 Air fares and other transportation expenses.................. 97.28 5.36 5.21 6.46 6.28 7.53 7.32 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 127.43 ........... ........... ........... ........... [[Page 61408]] Middle................................................. ........... ........... ........... ........... 127.08 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 126.74 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Transportation Analysis [Location: Guam; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total annual Total cost DC Vehicle cost area Index ---------------------------------------------------------------------------------- ------------------------------ 1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $5,611 $5,576 100.63 2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 8,685 6,546 132.68 3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 7,854 6,655 118.02 ----------------------------------------------- Average index............................................... .............. .............. 117.11 ---------------------------------------------------------------------------------- ------------------------------ Transportation Summary ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Category Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Private transportation....................................... 117.11 94.64 110.84 93.54 109.55 92.47 108.29 Air fares and other transportation expenses.................. 265.53 5.36 14.22 6.46 17.14 7.53 19.99 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 125.06 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 126.69 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 128.28 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Transportation Analysis [Location: Puerto Rico; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total annual Total cost DC Vehicle cost area Index ---------------------------------------------------------------------------------- ------------------------------ 1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $6,424 $5,576 115.21 2. Ford Taurus GL 4 dr Sedan 3.0L 6 cyl......................... 7,669 6,549 117.16 3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 8,328 6,655 125.14 ----------------------------------------------- Average index............................................... .............. .............. 119.17 ---------------------------------------------------------------------------------- ------------------------------ Transportation Summary ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Category Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Private transportation....................................... 119.17 94.64 112.79 93.54 111.48 92.47 110.20 Air Fares and other transportation expenses.................. 144.90 5.36 7.76 6.46 9.35 7.53 10.31 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 120.55 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 120.83 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 121.11 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- [[Page 61409]] Transportation Analysis [Location: Virgin Islands; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Total annual Total cost DC Vehicle cost area Index ---------------------------------------------------------------------------------- ------------------------------ 1. Honda Civic DX 4 dr sdn 1.5L 4 cyl........................... $6,536 $5,576 117.22 2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl......................... 7,910 6,546 120.84 3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl......................... 9,297 6,655 139.70 ----------------------------------------------- Average index............................................... .............. .............. 125.92 ---------------------------------------------------------------------------------- ------------------------------ Transportation Summary ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Category Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Private transportation....................................... 125.92 94.64 119.18 93.54 117.79 92.47 116.44 Air fares and other transportation expenses.................. 158.05 5.36 8.47 6.46 10.20 7.53 11.90 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 127.65 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 127.99 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 128.34 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Appendix 19--Miscellaneous Expense Analysis--Category Index Development [Location: Honolulu, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 104.94 Nonprescription pain reliever..... 8.3800 5.5800 1.5018 4.9 7.36 ........... Tetracycline...................... 5.9200 5.3000 1.1170 12.2 13.66 ........... Vision check...................... 67.2400 51.1700 1.3141 5.5 7.17 ........... Dental service.................... 128.0000 108.5600 1.1791 16.1 18.97 ........... Doctor visit...................... 38.9600 55.8300 0.6978 15.9 11.11 ........... Hospital room..................... 581.5000 445.2300 1.3061 4.1 5.37 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 104.94 41.50 43.55 31.33 32.87 23.51 24.68 2. Cash contributions: Lower income............................................. 116.33 15.80 18.38 0.00 0.00 0.00 0.00 Middle income............................................ 115.43 0.00 0.00 16.85 19.45 0.00 0.00 Upper income............................................. 114.55 0.00 0.00 0.00 0.00 17.65 20.22 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 104.63 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 104.14 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 103.73 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Category Index Development [Location: Hilo, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 105.53 Nonprescription pain reliever..... 7.4600 5.5800 1.3369 4.9 6.55 ........... [[Page 61410]] Tetracycline...................... 6.6000 5.3000 1.2453 12.2 15.23 ........... Vision check...................... 67.6000 51.1700 1.3211 5.5 7.21 ........... Dental service.................... 133.0000 108.5600 1.2251 16.1 19.71 ........... Doctor visit...................... 37.0000 55.8300 0.6627 15.9 10.55 ........... Hospital room..................... 539.0000 445.2300 1.2106 4.1 4.98 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 105.53 41.50 43.79 31.33 33.06 23.51 24.81 2. Cash contributions: Lower income............................................. 115.28 15.80 18.21 0.00 0.00 0.00 0.00 Middle income............................................ 114.53 0.00 0.00 16.85 19.30 0.00 0.00 Upper income............................................. 113.81 0.00 0.00 0.00 0.00 17.65 20.09 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower................................................ ........... ........... 104.70 ........... ........... ........... ........... Middle............................................... ........... ........... ........... ........... 104.18 ........... ........... Upper................................................ ........... ........... ........... ........... ........... ........... 103.73 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Category Index Development [Location: Kailua Kona, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 116.44 Nonprescription pain reliever..... 8.5700 5.5800 1.5358 4.9 7.53 ........... Tetracycline...................... 7.1400 5.3000 1.3472 12.2 16.48 ........... Vision check...................... 65.0000 51.1700 1.2703 5.5 6.94 ........... Dental service.................... 156.7000 108.5600 1.4434 16.1 23.22 ........... Doctor visit...................... 57.3300 55.8300 1.0269 15.9 16.35 ........... Hospital room..................... 500.0000 445.2300 1.1230 4.1 4.62 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 116.44 41.50 48.32 31.33 36.48 23.51 27.38 2. Cash contributions: Lower income............................................. 116.07 15.80 18.34 0.00 0.00 0.00 0.00 Middle income............................................ 115.35 0.00 0.00 16.85 19.44 0.00 0.00 Upper income............................................. 114.63 0.00 0.00 0.00 0.00 17.65 20.24 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower................................................ ........... ........... 109.36 ........... ........... ........... ........... Middle............................................... ........... ........... ........... ........... 107.74 ........... ........... Upper................................................ ........... ........... ........... ........... ........... ........... 106.45 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- [[Page 61411]] Miscellaneous Expense Analysis--Hawaii County Composite [Summer 1994 Survey] ------------------------------------------------------------------------ Total indexes -------------------------------- Location Weights Lower Middle Upper income income income ------------------------------------------------------------------------ Hilo, HI.................... 83.17 104.70 104.18 103.73 Kailua Kona, HI............. 16.83 109.36 107.74 106.45 ------------------------------------------- Total weight............ 100.00 ......... ......... ......... Composite indexes....... ......... 105.48 104.78 104.19 ------------------------------------------------------------------------ Miscellaneous Expense Account--Category Index Development [Location: Kauai County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 110.96 Nonprescription pain reliever..... 8.6200 5.5800 1.5448 4.9 7.57 ........... Tetracycline...................... 7.3700 5.3000 1.3906 12.2 17.01 ........... Vision check...................... 63.0000 51.1700 1.2312 5.5 6.72 ........... Dental service.................... 142.6700 108.5600 1.3142 16.1 21.15 ........... Doctor visit...................... 42.9000 55.8300 0.7684 15.9 12.23 ........... Hospital room..................... 539.0000 445.2300 1.2106 4.1 4.98 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 110.96 41.50 46.05 31.33 34.76 23.51 26.09 2. Cash contributions: Lower income............................................. 119.18 15.80 18.83 0.00 0.00 0.00 0.00 Middle income............................................ 118.11 0.00 0.00 16.85 19.90 0.00 0.00 Upper income............................................. 117.09 0.00 0.00 0.00 0.00 17.65 20.67 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower................................................ ........... ........... 107.58 ........... ........... ........... ........... Middle............................................... ........... ........... ........... ........... 106.48 ........... ........... Upper................................................ ........... ........... ........... ........... ........... ........... 105.59 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Category Index Development [Location: Maui County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 114.37 Nonprescription pain reliever..... 9.3100 5.5800 1.6685 4.9 8.18 ........... Tetracycline...................... 6.5600 5.3000 1.2377 12.2 15.14 ........... Vision check...................... 55.7300 51.1700 1.0891 5.5 5.95 ........... Dental service.................... 159.4200 108.5600 1.4685 16.1 23.63 ........... Doctor visit...................... 53.2700 55.8300 0.9541 15.9 15.19 ........... Hospital room..................... 539.0000 445.2300 1.2106 4.1 4.98 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development [Location: Maui County, HI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 114.37 41.50 47.46 31.33 35.83 23.51 26.89 [[Page 61412]] 2. Cash contributions: ........... ........... ........... ........... ........... ........... 0.00 Lower income............................................. 120.24 15.80 19.00 0.00 0.00 0.00 0.00 Middle income............................................ 119.37 0.00 0.00 16.85 20.11 0.00 0.00 Upper income............................................. 118.54 0.00 0.00 0.00 0.00 17.65 20.93 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower................................................ ........... ........... 109.16 ........... ........... ........... ........... Middle............................................... ........... ........... ........... ........... 107.76 ........... ........... Upper................................................ ........... ........... ........... ........... ........... ........... 106.65 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Category Index Development [Location: Guam; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 100.03 Nonprescription pain reliever..... 9.6100 5.5800 1.7222 4.9 8.44 ........... Tetracycline...................... 4.3000 5.3000 0.8113 12.2 9.92 ........... Vision check...................... 20.0000 51.1700 0.3909 5.5 2.13 ........... Dental service.................... 172.0000 108.5600 1.5844 16.1 25.49 ........... Doctor visit...................... 37.3300 55.8300 0.6686 15.9 10.64 ........... Hospital room..................... 229.0000 445.2300 0.5143 4.1 2.11 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 100.03 41.50 41.51 31.33 31.34 23.51 23.52 2. Cash contributions: Lower income............................................. 115.98 15.80 18.33 0.00 0.00 0.00 0.00 Middle income............................................ 116.04 0.00 0.00 16.85 19.55 0.00 0.00 Upper income............................................. 116.11 0.00 0.00 0.00 0.00 17.65 20.50 3. Personal Insurance/Pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower................................................ ........... ........... 102.54 ........... ........... ........... ........... Middle............................................... ........... ........... ........... ........... 102.71 ........... ........... Upper................................................ ........... ........... ........... ........... ........... ........... 102.85 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Category Index Development [Location: Mayaguez, PR; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 76.60 Nonprescription pain reliever..... 5.9500 5.5800 1.0663 4.9 5.22 ........... Tetracycline...................... 3.4300 5.3000 0.6472 12.2 7.92 ........... Vision check...................... 26.6700 51.1700 0.5212 5.5 2.85 ........... Dental service.................... 73.3300 108.5600 0.6755 16.1 10.87 ........... Doctor visit...................... 21.6700 55.8300 0.3881 15.9 6.18 ........... Hospital room..................... 245.0000 445.2300 0.5503 4.1 2.26 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ [[Page 61413]] Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 76.60 41.50 31.79 31.33 24.00 23.51 18.01 2. Cash contributions: Lower income............................................. 93.40 15.80 14.76 0.00 0.00 0.00 0.00 Middle income............................................ 92.90 0.00 0.00 16.85 15.65 0.00 0.00 Upper income............................................. 92.40 0.00 0.00 0.00 0.00 17.65 16.31 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 89.25 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 91.47 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 93.15 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Category Index Development [Location: San Juan, PR; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 77.79 Nonprescription pain reliever..... 5.5100 5.5800 0.9875 4.9 4.84 ........... Tetracycline...................... 3.4300 5.3000 0.6472 12.2 7.92 ........... Vision check...................... 32.5000 51.1700 0.6351 5.5 3.47 ........... Dental service.................... 65.0000 108.5600 0.5987 16.1 9.63 ........... Doctor visit...................... 30.0000 55.8300 0.5373 15.9 8.55 ........... Hospital room..................... 225.0000 445.2300 0.5054 4.1 2.08 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 77.79 41.50 32.28 31.33 24.37 23.51 18.29 2. Cash contributions: Lower income............................................. 103.10 15.80 16.29 0.00 0.00 0.00 0.00 Middle income............................................ 103.14 0.00 0.00 16.85 17.38 0.00 0.00 Upper income............................................. 103.17 0.00 0.00 0.00 0.00 17.65 18.21 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights............................................ ........... 100.000 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower.................................................. ........... ........... 91.27 ........... ........... ........... ........... Middle................................................. ........... ........... ........... ........... 93.57 ........... ........... Upper.................................................. ........... ........... ........... ........... ........... ........... 95.33 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Puerto Rico Composite [Summer 1994 Survey] ------------------------------------------------------------------------ Total indexes -------------------------------- Location Weights Lower Middle Upper income income income ------------------------------------------------------------------------ San Juan, PR................ 88.90 91.27 93.57 95.33 Mayaguez, PR................ 11.10 89.25 91.47 93.15 ------------------------------------------- Total weight.......... 100.00 ......... ......... ......... Composite indexes..... ......... 91.05 93.34 95.09 ------------------------------------------------------------------------ [[Page 61414]] Miscellaneous Expense Analysis--Category Index Development [Location: St. Croix, VI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price Area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 84.45 Nonprescription pain reliever..... 6.1600 5.5800 1.1039 4.9 5.41 ........... Tetracycline...................... 5.9300 5.3000 1.1189 12.2 13.68 ........... Vision check...................... 46.6700 51.1700 0.9121 5.5 4.98 ........... Dental service.................... 57.3300 108.5600 0.5281 16.1 8.50 ........... Doctor visit...................... 30.0000 55.8300 0.5373 15.9 8.55 ........... Hospital room..................... 220.0000 445.2300 0.4941 4.1 2.03 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 84.45 41.50 35.04 31.33 26.46 23.51 19.86 2. Cash contributions: Lower income............................................. 105.06 15.80 16.60 0.00 0.00 0.00 0.00 Middle income............................................ 104.67 0.00 0.00 16.85 17.64 0.00 0.00 Upper income............................................. 104.27 0.00 0.00 0.00 0.00 17.65 18.41 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower................................................ ........... ........... 94.34 ........... ........... ........... ........... Middle............................................... ........... ........... ........... ........... 95.92 ........... ........... Upper................................................ ........... ........... ........... ........... ........... ........... 97.10 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Miscellaneous Expense Analysis--Category Index Development [Location: St. Thomas, VI; Summer 1994 Survey] ---------------------------------------------------------------------------------- ------------------------------ Price DC Category/item Price area Ratio Weights Subtotal Index ---------------------------------------------------------------------------------- ------------------------------ Medical care...................... ........... ........... ........... ........... ........... 126.87 Nonprescription pain reliever..... 8.0500 5.5800 1.4427 4.9 7.07 ........... Tetracycline...................... 16.1400 5.3000 3.0453 12.2 37.24 ........... Vision check...................... 45.0000 51.1700 0.8794 5.5 4.80 ........... Dental service.................... 97.0000 108.5600 0.8935 16.1 14.38 ........... Doctor visist..................... 63.3300 55.8300 1.1343 15.9 18.06 ........... Hospital room..................... 435.0000 445.2300 0.9770 4.1 4.02 ........... Health insurance.................. 1.0000 1.0000 1.0000 41.3 41.30 ........... ---------------------------------------------------------------------------------- ------------------------------ Total Index Development ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- Lower income Middle income Upper income Categories Category ----------------------------------------------------------------------------- indexes Weights Subtotal Weights Subtotal Weights Subtotal ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- 1. Medical care.............................................. 126.87 41.50 52.65 31.33 39.74 23.51 29.83 2. Cash contributions: Lower income............................................. 108.23 15.80 17.10 0.00 0.00 0.00 0.00 Middle income............................................ 108.20 0.00 0.00 16.85 18.23 0.00 0.00 Upper income............................................. 108.11 0.00 0.00 0.00 0.00 17.65 19.09 3. Personal insurance/pensions............................... 100.00 42.70 42.70 51.82 51.82 58.83 58.83 ---------------------------------------------------------------------------------- -------- Total weights.......................................... ........... 100.00 ........... 100.00 ........... 100.00 ........... ---------------------------------------------------------------------------------- -------- Total indexes: Lower................................................ ........... ........... 112.45 ........... ........... ........... ........... Middle............................................... ........... ........... ........... ........... 109.79 ........... ........... Upper................................................ ........... ........... ........... ........... ........... ........... 107.75 ---------------------------------------------------------------------------------- ---------------------------------------------------------------------- [[Page 61415]] Miscellaneous Expense Analysis--Virgin Islands Composite [Summer 1994 Survey] ------------------------------------------------------------------------ Total indexes -------------------------------- Location Weights Lower Middle Upper income income income ------------------------------------------------------------------------ St. Croix, VI............... 45.09 94.34 95.92 97.10 St. Thomas, VI.............. 54.91 112.45 109.79 107.75 ------------------------------------------- Total weight.......... 100.00 ......... ......... ......... Composite indexes..... 104.28 103.54 102.95 ------------------------------------------------------------------------ BILLING CODE 6325-01-U-M [[Page 61416]] [GRAPHIC][TIFF OMITTED]TN29NO95.005 [[Page 61417]] [GRAPHIC][TIFF OMITTED]TN29NO95.006 [FR Doc. 95-28905 Filed 11-28-95; 8:45 am] BILLING CODE 6325-01-U-M