Variable=EXPEN

                          Histogram                         #            Boxplot

   3300+*                                                   1               *   

       .*                                                   1               *   

       .                                                                        

       .*                                                   1               *   

       .*                                                   1               *   

       .                                                                        

       .*                                                   1               *   

       .*                                                   2               *   

   1700+*                                                   1               *   

       .*                                                   2               *   

       .*                                                   1               *   

       .*                                                   9               *   

       .**                                                 11               *   

       .****                                               29               0   

       .*********                                          80               0   

       .***********************************************   421            +--+--+

    100+****************************************          353            +-----+

        ----+----+----+----+----+----+----+----+----+--              

Variable=WEALTH

                          Histogram                         #            Boxplot

 575000+*                                                   2               *   

       .                                                                        

       .*                                                   1               *   

       .*                                                   2               *   

       .*                                                   2               *   

       .*                                                   6               *   

       .*                                                   1               *   

       .*                                                   6               *   

       .**                                                 25               *   

       .***                                                33               0   

       .*************                                     180            +--0--+

  25000+***********************************************   656            *-----*

        ----+----+----+----+----+----+----+----+----+--              

Variable=POP

                          Histogram                          #           Boxplot

 470000+*                                                    1              *   

       .                                                                        

       .                                                                        

       .                                                                        

       .*                                                    1              *   

       .                                                                        

       .                                                                        

       .                                                                        

       .                                                                        

       .*                                                    1              *   

       .                                                                        

       .                                                                        

       .*                                                    1              *   

       .                                                                        

       .                                                                        

       .*                                                    1              *   

       .*                                                    1              *   

       .                                                                        

       .*                                                    2              *   

       .*                                                    2              *   

       .*                                                    4              *   



       .*                                                    6              *   

       .***                                                 37              *   

  10000+************************************************   857           +--0--+

        ----+----+----+----+----+----+----+----+----+---              



Variable=PINTER        Histogram                        #             Boxplot

   67.5+*                                                 2                *   

       .**                                                6                *   

       .**                                                6                0   

       .*                                                 3                0   

       .**                                                8                0   

       .***                                              11                0   

       .*****                                            23                |   

       .**********                                       48                |   

       .********************                             97                |   

       .*****************************                   145             +-----+

       .*********************************************   221             *--+--*

       .******************************************      208             +-----+

       .*************************                       123                |   

    2.5+***                                              13                |   

        ----+----+----+----+----+----+----+----+----+              

Variable=GROWR

                          Histogram                         #            Boxplot

    290+*                                                   1               *   

       .                                                                        

       .                                                                        

       .                                                                        

       .                                                                        

       .*                                                   1               *   

       .                                                                        

       .                                                                        

       .                                                                        

       .*                                                   2               *   

       .                                                                        

       .*                                                   2               *   

       .**                                                 13               0   

       .********                                           93               0   

       .***********************************************   563            +--+--+

       .*******************                               225            +-----+

       .**                                                 13               0   

    -50+*                                                   1               *   

        ----+----+----+----+----+----+----+----+----+--              

Variable=LEX

                         Histogram                       #             Boxplot

      8.1+*                                              2                *   

         .*                                              1                *   

         .*                                              2                *   

         .*                                              3                0   

         .*                                              3                0   

         .**                                             6                0   

         .**                                             7                0   

      6.7+***                                           11                0   

         .*******                                       25                |   

         .*******                                       27                |   

         .*************                                 52                |   

         .*******************                           73                |   

         .**************************                   103             +-----+

         .******************************************   167             *--+--*

      5.3+*****************************************    161             |     |

         .*******************************              124             +-----+

         .*********************                         82                |   

         .**********                                    38                |   

         .*****                                         17                |   

         .**                                             5                0   

         .*                                              4                0   

      3.9+*                                              1                0   

          ----+----+----+----+----+----+----+----+--              



Variable=LW            Histogram                      #             Boxplot

     13.3+*                                             2                *   

         .*                                             3                0   

         .*                                             1                0   

         .**                                            7                0   

         .*                                             1                0   

         .**                                            6                0   

         .*****                                        18                0   

         .****                                         15                |   

         .****                                         15                |   

         .********                                     31                |   

         .***********                                  44                |   

     11.1+************                                 47                |   

         .*******************                          76             +-----+

         .*************************                    99             |     |

         .**********************************          135             *--+--*

         .*****************************************   161             |     |

         .***********************************         138             +-----+

         .*********************                        84                |   

         .******                                       23                |   

         .**                                            5                |   

         .*                                             1                |   

         .*                                             1                |   

      8.9+*                                             1                0   

          ----+----+----+----+----+----+----+----+-              



            Plot of EXPEN*GROWR.  Legend: A = 1 obs, B = 2 obs, etc.

 4000 +

      |

      |

      |

      |

      |                 A

      |

 3000 +                   A

      |

      |

EXPEN |              A

      |             A

      |

      |

 2000 +                   A

      |            A    A

      |                  A

      |                           A

      |               A   A

      |

      |                  ABB A

 1000 +              A  AB B

      |              A AAADA

      |             AA BDBBCA A

      |            A BAAFEFIDB   A

      |               DHRQQIGCBCA          A

      |              AAIZZZZZVPG AB                        A

      |              BEDZZZZZVNIDCC   AA      A

    0 +        A         B A       A                                          A

      -+--------+--------+--------+--------+--------+--------+--------+--------+

     -100      -50       0       50       100      150      200      250     300



                                         GROWR



             Plot of EXPEN*POP.  Legend: A = 1 obs, B = 2 obs, etc.

 4000 +

      |

      |

      |

      | A

      |

 3000 + A

      |

      |

EXPEN | A

      | A

      |

      |

 2000 + A

      | B

      | A

      | A

      | B

      |

      | E A

 1000 + F

      | GB

      | NA A A

      | ZCBBAA     A

      | ZHFBBAA  B               A       A

      | ZZMMIABB   AAA B      A                  A            A           A

      | ZZOCDB  A

    0 + BC A

      --+-------------+-------------+-------------+-------------+-------------+-

        0          100000        200000        300000        400000       500000

                                          POP

            Plot of LEX*LGROWR.  Legend: A = 1 obs, B = 2 obs, etc.

LEX |

  9 +

    |

    |

    |

    |

  8 +                   A                    A

    |       A A

    |     A               A                      A

    |                        A                                A

    |          A                                 A

  7 +        A              A           A     B   AA B  A

    |        A          A  A      A      A      AAA A

    |       AA     AA  A  A      A  A       A     A  CA   A

    |     A   A     BA  AAA BBA     A     A ABA  A ACBBB A   A

    |        A BA AA AB A AAA    A AA  A     CB B A BB AAA BA

  6 +         AA ABDACAAA ACBA  A    AA AAAAAAACBAAACBBBBAAAA      A

    |          A   BCCADA CAA    BACAAADAAACBAACCFBCAGDADCBBAA

    |             AAAC CCBE BBBE  A E  AAD CADIEDGFMGMBFHCCBB

    |         B     CCCBAGBBBAAA A ABC ABCEDDBGCJIBGEGCMNBJD AB         A

    |          AA  A BDBDBDDADBCACAADBAAAGBBDAFFBEFJEGHMFCFADBB  A

  5 +        A    A AA    AA AAC AA   A AEBBBDCCICBDBFGCJBDBBAA  A

    |        A A    A  A A AB      A  AABABB AEACEDCBFGCB

    |          A A   A  AA A       AA  A  A A  AB  CBE     A        A

    |                A                  A      B    A   B   A  A

    |                         A                      B        A

  4 +  A                         A                             A           A

    |

    ---+-------------+-------------+-------------+-------------+-------------+--

      -4            -2             0             2             4             6



             Plot of LEX*LPOP.  Legend: A = 1 obs, B = 2 obs, etc.

LEX |

  9 +

    |

    |

    |

    |

  8 +       A      A

    |           A      A

    |    A          A          A

    |              A            A

    |         AA

  7 +             A A  A B A  A  B            A

    |              A  A A  B A A A          A

    |            B    B AC   B A      B          A  A

    |            A  CAAB B BDAA CA B       A   BB  AA     A

    |             A  AAAC DB DBBBBA  AA A   AB      AA   A

  6 +               BABADCFEDFAABBB  B ABAA  BA A BA    A

    |           A  B   AABAFIDGEGF ECB ABCA A AA B D BA   A B   A AA

    |                 ABBELFOIIIKIGECDAAAFADBAB  EBAA          A     AA

    |                 B CEAELHQTKHDLDHFGDE   ABCCC C   A   B

    |                   BACAFFJLMJPGJHFKJEDDHABB    AA

  5 +                    AACDFBELHDGHDHBBBDDBAA ABA

    |                   AA  C CADDBHEDCFBDABA AA  A  A A

    |                    AAA B  BBEADBAAAA A

    |                           AACAAA  A

    |                           B    A A

  4 +                        A         B        A

    |

    ---+-------------+-------------+-------------+-------------+-------------+--

       4             6             8            10            12            14

                                        LPOP

           Plot of LEX*LDENS.  Legend: A = 1 obs, B = 2 obs, etc.



LEX |

  9 +|

    |

    |

  8 +  B

    |       B

    |  A         A  A

    |       A                    A

    |       B

  7 +       A  A AB A  A          A         AA

    |       A  B    A   AA     A   A             A

    |          A  A A A BC  A   A           AA AA

    |             A AACBCAACA BCA    A       A  A A  A A  A  A     A

    |               AAC CABAB CCBBAA    A AA    A A    A A A A

  6 +             A  ABCBAEBICECCC  AA B   AA   AAAA  A A A     A

    |                 BACABCBFGJFFBEDC  A B  B A AAABAB A B AC AAA

    |                 A AEDBHOFNJIFHEFEDBAADABBBBB AEAA   A  A  A  A

    |                A A   ADFJSGQQHGIFEEBFAFAABDDA A B B   B   A   A

    |                     AABAFFFKQPPILFGJDECCFBAAB B   C     A

  5 +                        B FFFGHIGKDCFBA CEAAAAAB B

    |                         B BECEBEIDBDECB  C   B    B

    |                        C  AAAAC EDBBA A   A

    |                             A C BA AA

    |                                A B  A

  4 +                            A        A   A                   A

    |

    ---+-------------+-------------+-------------+-------------+-------------+--

       0             2             4             6             8            10

                                        LDENS



Model: MODEL1  

Dependent Variable: LEX                                                

                             Parameter Estimates

                       Parameter      Standard    T for H0:               

      Variable  DF      Estimate         Error   Parameter=0    Prob > |T|



      INTERCEP   1      9.128891    1.84162410         4.957        0.0001

      LW         1      0.326899    0.02870269        11.389        0.0001

      LPOP       1     -2.269150    0.67760970        -3.349        0.0008

      LPOP2      1      0.243843    0.07875894         3.096        0.0020

      LPOP3      1     -0.008099    0.00296974        -2.727        0.0065

      PINTERG    1     -0.083776    0.01017274        -8.235        0.0001

      PINT2      1      0.002605    0.00037065         7.028        0.0001

      PINT3      1  -0.000023080    0.00000387        -5.971        0.0001

      LDENS      1     -0.181394    0.13947979        -1.301        0.1938

      LDENS2     1     -0.056308    0.03251611        -1.732        0.0837

      LDENS3     1      0.006721    0.00230544         2.915        0.0036

      LINCOME    1      0.155568    0.07218570         2.155        0.0314

      LGROWR     1     -0.015870    0.00658608        -2.410        0.0162

                                 Cook's

         Obs    -2-1-0 1 2            D



         885  |      |****  |     0.034

         886  |      |***   |     0.011

         887  |******|      |     0.677

         888  |      |*     |     0.000

         889  |      |**    |     0.001

         890  |    **|      |     0.000

         891  |     *|      |     0.006

         892  |      |      |     0.000

         893  |    **|      |     0.000

         894  |      |**    |     0.001

         895  |      |*     |     0.000

         896  |     *|      |     0.000

         897  |      |**    |     0.004

         898  |      |      |     0.000

         899                       .   

         900  |      |**    |     0.001

         901  |    **|      |     0.001

         902  |      |      |     0.000

         903  |      |      |     0.000

                              Parameter Estimates



                       Parameter      Standard    T for H0:               

      Variable  DF      Estimate         Error   Parameter=0    Prob > |T|



      INTERCEP   1      8.364134    1.81187251         4.616        0.0001

      LW         1      0.337906    0.02822854        11.970        0.0001

      LPOP       1     -2.123000    0.66543637        -3.190        0.0015

      LPOP2      1      0.236876    0.07730017         3.064        0.0022

      LPOP3      1     -0.008398    0.00291483        -2.881        0.0041

      PINTERG    1     -0.081084    0.00999342        -8.114        0.0001

      PINT2      1      0.002560    0.00036382         7.035        0.0001

      PINT3      1  -0.000022923    0.00000379        -6.043        0.0001

      LDENS      1     -0.148868    0.13698980        -1.087        0.2775

      LDENS2     1     -0.072503    0.03202610        -2.264        0.0238

      LDENS3     1      0.008932    0.00229281         3.896        0.0001

      LINCOME    1      0.158749    0.07084256         2.241        0.0253

      LGROWR     1     -0.017031    0.00646630        -2.634        0.0086



                              Analysis of Variance

                                 Sum of         Mean

        Source          DF      Squares       Square      F Value       Prob>F



        Model           12    176.48254     14.70688      123.144       0.0001

        Error          897    107.12709      0.11943

        C Total        909    283.60962



            Root MSE       0.34558     R-square       0.6223

            Dep Mean       5.49063     Adj R-sq       0.6172

            C.V.           6.29407                              Parameter Estimates



                       Parameter      Standard    T for H0:               

      Variable  DF      Estimate         Error   Parameter=0    Prob > |T|



      INTERCEP   1      8.678552    1.79868778         4.825        0.0001

      LW         1      0.338767    0.02799706        12.100        0.0001

      LPOP       1     -2.355506    0.66252610        -3.555        0.0004

      LPOP2      1      0.267774    0.07705389         3.475        0.0005

      LPOP3      1     -0.009729    0.00291001        -3.343        0.0009

      PINTERG    1     -0.080061    0.00991450        -8.075        0.0001

      PINT2      1      0.002524    0.00036094         6.994        0.0001

      PINT3      1  -0.000022594    0.00000376        -6.004        0.0001

      LDENS      1     -0.050738    0.13806901        -0.367        0.7133

      LDENS2     1     -0.103158    0.03267789        -3.157        0.0016

      LDENS3     1      0.011627    0.00237202         4.902        0.0001

      LINCOME    1      0.175452    0.07038409         2.493        0.0129

      LGROWR     1     -0.016589    0.00641405        -2.586        0.0099



               Stepwise Procedure for Dependent Variable LEX     



Step 1   Variable LW Entered        R-square = 0.40240739   C(p) =582.99726317



                 DF         Sum of Squares      Mean Square          F   Prob>F



 Regression       1           113.28220824     113.28220824     610.08   0.0001

 Error          906           168.22904622       0.18568327

 Total          907           281.51125446



                 Parameter        Standard          Type II

 Variable         Estimate           Error   Sum of Squares          F   Prob>F



 INTERCEP      -0.49677927      0.24289341       0.77672675       4.18   0.0411

 LW             0.56523742      0.02288424     113.28220824     610.08   0.0001



Bounds on condition number:            1,            1

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



Step 2   Variable LDENS Entered     R-square = 0.48338211   C(p) =383.50684314



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



Step 3   Variable LDENS3 Entered    R-square = 0.59505421   C(p) =107.63173004

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



Step 4   Variable LGROWR Entered    R-square = 0.60075340   C(p) = 95.45036599

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



Step 7   Variable PINT3 Entered     R-square = 0.63239624   C(p) = 22.71309905



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



Step 8   Variable LINCOME Entered   R-square = 0.63449188   C(p) = 19.49848848



                 DF         Sum of Squares      Mean Square          F   Prob>F



 Regression       8           178.61660425      22.32707553     195.07   0.0001

 Error          899           102.89465021       0.11445456

 Total          907           281.51125446



                 Parameter        Standard          Type II

 Variable         Estimate           Error   Sum of Squares          F   Prob>F



 INTERCEP       2.74449327      0.50441862       3.38824829      29.60   0.0001

 LW             0.33493799      0.02780928      16.60284462     145.06   0.0001

 PINTERG       -0.07904981      0.00973812       7.54196606      65.89   0.0001

 PINT2          0.00252008      0.00035717       5.69795441      49.78   0.0001

 PINT3         -0.00002269      0.00000374       4.21351271      36.81   0.0001

 LDENS         -0.50367595      0.02842944      35.92518565     313.88   0.0001

 LDENS3         0.00499558      0.00034247      24.35386781     212.78   0.0001

 LINCOME        0.15976080      0.07036884       0.58994659       5.15   0.0234

 LGROWR        -0.01742089      0.00637521       0.85464441       7.47   0.0064



Bounds on condition number:     350.2561,      4610.76

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



All variables left in the model are significant at the 0.1500 level.

No other variable met the 0.1500 significance level for entry into the model.



         Summary of Stepwise Procedure for Dependent Variable LEX     



        Variable        Number   Partial    Model

 Step   Entered Removed     In      R**2     R**2      C(p)          F   Prob>F



    1   LW                   1    0.4024   0.4024  582.9973   610.0830   0.0001

    2   LDENS                2    0.0810   0.4834  383.5068   141.8498   0.0001

    3   LDENS3               3    0.1117   0.5951  107.6317   249.2965   0.0001

    4   LGROWR               4    0.0057   0.6008   95.4504    12.8902   0.0003

    5   PINTERG              5    0.0016   0.6024   93.4558     3.6415   0.0567

    6   PINT2                6    0.0151   0.6174   57.9492    35.4993   0.0001

    7   PINT3                7    0.0150   0.6324   22.7131    36.6371   0.0001

    8   LINCOME              8    0.0021   0.6345   19.4985     5.1544   0.0234









N = 908     Regression Models for Dependent Variable: LEX     





 Adjusted  R-square    Variables in Model

 R-square           In  



0.6358478 0.6402642 11 LW LPOP LPOP2 LPOP3 PINTERG PINT2 PINT3 LDENS2 LDENS3 

                       LINCOME LGROWR 

0.6354960 0.6403185 12 LW LPOP LPOP2 LPOP3 PINTERG PINT2 PINT3 LDENS LDENS2 

                       LDENS3 LINCOME LGROWR 

0.6337453 0.6377834 10 LW LPOP LPOP2 LPOP3 PINTERG PINT2 PINT3 LDENS2 LDENS3 

                       LGROWR 

0.6335406 0.6375810 10 LW LPOP LPOP2 LPOP3 PINTERG PINT2 PINT3 LDENS2 LDENS3 

                       LINCOME 

0.6333749 0.6378213 11 LW LPOP LPOP2 LPOP3 PINTERG PINT2 PINT3 LDENS LDENS2 

                       LDENS3 LGROWR 

0.6331814 0.6376302 11 LW LPOP LPOP2 LPOP3 PINTERG PINT2 PINT3 LDENS LDENS2 

                       LDENS3 LINCOME 

0.6318487 0.6363136 11 LW LPOP LPOP2 LPOP3 PINTERG PINT2 PINT3 LDENS LDENS3 

                       LINCOME LGROWR  

         Backward Elimination Procedure for Dependent Variable LEX     



Step 0    All Variables Entered     R-square = 0.64031851   C(p) = 13.00000000



                 DF         Sum of Squares      Mean Square          F   Prob>F



 Regression      12           180.25686745      15.02140562     132.78   0.0001

 Error          895           101.25438701       0.11313339

 Total          907           281.51125446



                 Parameter        Standard          Type II

 Variable         Estimate           Error   Sum of Squares          F   Prob>F



 INTERCEP       8.67855174      1.79868778       2.63374522      23.28   0.0001

 LW             0.33876721      0.02799706      16.56412705     146.41   0.0001

 LPOP          -2.35550556      0.66252610       1.43005618      12.64   0.0004

 LPOP2          0.26777440      0.07705389       1.36628045      12.08   0.0005

 LPOP3         -0.00972914      0.00291001       1.26458864      11.18   0.0009

 PINTERG       -0.08006091      0.00991450       7.37717980      65.21   0.0001

 PINT2          0.00252434      0.00036094       5.53380577      48.91   0.0001

 PINT3         -0.00002259      0.00000376       4.07790415      36.05   0.0001

 LDENS         -0.05073846      0.13806901       0.01527823       0.14   0.7133

 LDENS2        -0.10315774      0.03267789       1.12742153       9.97   0.0016

 LDENS3         0.01162658      0.00237202       2.71805055      24.03   0.0001

 LINCOME        0.17545199      0.07038409       0.70300507       6.21   0.0129

 LGROWR        -0.01658922      0.00641405       0.75679540       6.69   0.0099



Bounds on condition number:     17515.01,     345502.9

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

Step 1   Variable LDENS Removed     R-square = 0.64026424   C(p) = 11.13504615



                 DF         Sum of Squares      Mean Square          F   Prob>F



 Regression      11           180.24158922      16.38559902     144.97   0.0001

 Error          896           101.26966524       0.11302418

 Total          907           281.51125446



                 Parameter        Standard          Type II

 Variable         Estimate           Error   Sum of Squares          F   Prob>F



 INTERCEP       9.06958159      1.44948605       4.42504596      39.15   0.0001

 LW             0.34097629      0.02733090      17.59186741     155.65   0.0001

 LPOP          -2.52224957      0.48252866       3.08817037      27.32   0.0001

 LPOP2          0.28686074      0.05689168       2.87353198      25.42   0.0001

 LPOP3         -0.01043163      0.00219300       2.55739800      22.63   0.0001

 PINTERG       -0.08043663      0.00985688       7.52662295      66.59   0.0001

 PINT2          0.00253471      0.00035966       5.61367623      49.67   0.0001

 PINT3         -0.00002268      0.00000375       4.12639603      36.51   0.0001

 LDENS2        -0.11462431      0.00970272      15.77386911     139.56   0.0001

 LDENS3         0.01239009      0.00114392      13.25961238     117.32   0.0001

 LINCOME        0.17482331      0.07032932       0.69838867       6.18   0.0131

 LGROWR        -0.01657313      0.00641080       0.75536390       6.68   0.0099



Bounds on condition number:     9557.367,     167198.3

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

All variables left in the model are significant at the 0.1000 level.

   Summary of Backward Elimination Procedure for Dependent Variable LEX     



         Variable   Number   Partial     Model

 Step    Removed        In      R**2      R**2        C(p)           F   Prob>F



    1    LDENS          11    0.0001    0.6403     11.1350      0.1350   0.7133

