* payments missed or late: 3004 = 5;
* behind in payments by >= 2 months: 3005 = 1;
* has no loans:  3004 = 0;

options compress=yes;
options pagesize=62 ls=82;

libname file '/users/scratch/wendy/scf';

data one(keep=
 MARRIED NODEPS WAGE HOUSECL WORKER NOCHILD AGE X501 EQCARS
 EQHOME MORTETC HOUSES X2202 EQCAR1 CAR1LOAN X8166 EQCAR2 CAR2LOAN
 X8167 EQCAR3 CAR3LOAN X8168 EQOCAR OCARLOAN X2422 NODRIVRS IRAKH
 LINS CASHLI X4010 PPROP REALEST NETW3IN FIN X5729 X3004 X3005
 CBOTHER RCBOTHER DFOTHER DFCREDIT JOBLOSS DISCDEBT DISC350 MORCARDB
 ELDERLY INCOME ASSET DEPS NDEPS RACECL Y1 SQASSET SQINCOME WGT
);

set file.onescf;


* CODE FOR CALCULATING ASSETS, LIABILITIES, & NET WORTH USING
  THE 1992 SCF;

  AGE=X14;

  INCOME=MAX(0,X5729);
  SQINCOME= INCOME**2;

  WAGE= MAX(0,X5702);

  EDUC=X5901;

  MARRIED=(X105=1 OR X105=2);

  RACECL=(X5909 ^= 5);

  IF AGE>=65 THEN ELDERLY=1; ELSE ELDERLY=0;

  WGT= X42000/5;

*****Dependents;

  NODEPS=(X107=1)+(X113=1)+(X119=1)+(X125=1)+(X131=1)+(X137=1)+
         (X207=1)+(X213=1)+(X219=1)+(X225=1)+(X231=1);


*****Drivers (for TX);

  NODRIVRS=(X8022>=16)+(X104>=16)+(X110>=16)+(X116>=16)+
           (X122>=16)+(X128>=16)+(X134>=16)+(X204>=16)+(X210>=16)+
           (X216>=16)+(X222>=16)+(X228>=16);


*****Children (for AR);

  NOCHILD= (0<X104<=18)+(0<X110<=18)+(0<X116<=18)+(0<X122<=18)+
           (0<X128<=18)+(0<X134<=18)+(0<X204<=18)+(0<X210<=18)+
           (0<X216<=18)+(0<X222<=18)+(0<X228<=18);

  DEPS= (NOCHILD>0);
  NDEPS= (NOCHILD-1)*(NOCHILD>=2);


*****Workers (for LA);

  IF X4100 IN (11,12,13,14,15,16,17) THEN WORKER=1;
  ELSE WORKER=0;


*****Job Loss/ Unemp. Indicator;

  JOBLOSS=0;
  IF X4100 IN (16,20,21,30) THEN JOBLOSS=1;



  **** housing class  ***********************************;
  *** Use format houseft. 0=own, 1=rent or other ***;
  IF X508=1 OR X508=2 OR X601=1 OR X601=2 OR X601=3 OR
    X701=1 OR X701=3 OR X701=4 OR X701=5 THEN HOUSECL=0;
  ELSE HOUSECL=1;

  ******** Financial assets ****************************************;

  *checking only includes non-money market-type accounts(x3507=5);
  CHECKING =MAX(0,X3506)*(X3507=5)+MAX(0,X3510)*(X3511=5)+
            MAX(0,X3514)*(X3515=5)+MAX(0,X3518)*(X3519=5)+
            MAX(0,X3522)*(X3523=5)+MAX(0,X3526)*(X3527=5)+
            MAX(0,X3529)*(X3527=5);
  
  CDS = X3721;

  SAVING = MAX(0,X3804+X3807+X3810+X3813+X3816+X3818);

  STOCKS = X3915;

  * retirement accounts;

  IRAKH = MAX(0,X3610)+ MAX(0,X3620)+ MAX(0,X3630);

  * all saving-type pension plans (regular, mixed and future);
  PENMIX  =MAX(0,X4204)+MAX(0,X4304)+MAX(0,X4404)+
           MAX(0,X4804)+MAX(0,X4904)+MAX(0,X5004);
  PENSAVE =MAX(0,X4226)+MAX(0,X4326)+MAX(0,X4426)+MAX(0,X4436)+
           MAX(0,X4826)+MAX(0,X4926)+MAX(0,X5026)+MAX(0,X5036);
  PENFUT  =MAX(0,X5604)+MAX(0,X5612)+MAX(0,X5620)+
           MAX(0,X5628)+MAX(0,X5636)+MAX(0,X5644);
  DCPEN   =PENMIX+PENSAVE+PENFUT;

  * thrift-type plans (401ks, thrift, and plans where participant
    can borrow or withdraw);

  ARRAY PTYPE{*}   X4216 X4316 X4416 X4816 X4916 X5016;
  ARRAY PAMT{*}    X4226 X4326 X4426 X4826 X4926 X5026;
  ARRAY PBOR{*}    X4227 X4327 X4427 X4827 X4927 X5027;
  ARRAY PWIT{*}    X4231 X4331 X4431 X4831 X4931 X5031;

  THRIFT  = 0;
  DO I=1 TO DIM(PTYPE);
  *account is included in THRIFT if 1. account type is thrift, savings,
    401k, 403b,or SRA, or 2. can borrow against, or 3. can withdraw from;
    THRIFT=THRIFT+PAMT{I}*(PTYPE{I}=1|PTYPE{I}=2|PBOR{I}=1|PWIT{I}=1);
  END;

  * quasi-liquid retirement accounts;
  RETQLIQ=IRAKH+THRIFT;

  * non-liquid retirement accounts; 
  RETNLIQ=DCPEN-THRIFT;

  * total retirement accounts;
  TRETIRE=IRAKH+THRIFT+RETNLIQ;

  * money market funds;
  MMA= MAX(0,X3506)*(X3507=1)
    +MAX(0,X3510)*(X3511=1)
    +MAX(0,X3514)*(X3515=1)
    +MAX(0,X3518)*(X3519=1)
    +MAX(0,X3522)*(X3523=1)
    +MAX(0,X3526)*(X3527=1)
    +MAX(0,X3529)*(X3527=1)
    +MAX(0,X3706)
    +MAX(0,X3711)
    +MAX(0,X3716)
    +MAX(0,X3718);

  * call accounts;
  CALL=MAX(0,X3930);

  * stock mutual funds;
  STMUTF=(X3821=1)*MAX(0,X3822);
  * tax-free bond mutual funds;
  TFBMUTF=(X3823=1)*MAX(0,X3824);
  * government bond mutual funds;
  GBMUTF=(X3825=1)*MAX(0,X3826);
  * other bond mutual funds;
  OBMUTF=(X3827=1)*MAX(0,X3828);
  * combination and other mutual funds;
  COMUTF=(X3829=1)*MAX(0,X3830);

  * total directly-held mutual funds, excluding MMMFs;
  NMMF= SUM(STMUTF,TFBMUTF,GBMUTF,OBMUTF,COMUTF);

  *bonds, not including bond funds or savings bonds;
  NOTXBND= X7637;
  MORTBND = X7635;
  GOVTBND = X7636;
  OBND = SUM(X7638,X7639);

  BOND = SUM(NOTXBND,MORTBND,GOVTBND,OBND);

  OTHMA=0;
  ANNUITY=0;
  MIA=0;
  TRUST=0;

  *OTHMA is total other managed assets, what is reported in Bulletin;
  *the others' amounts are split up by how many types they have;
  IF X3933=1 THEN DO;
    OTHMA=X3942;
    NTRUST=(X3934=1) + (X3935=1) +(X3936=1) +(X3937=1);
    ANNUITY=(X3935=1)*OTHMA/NTRUST;
    MIA=(X3936=1)*OTHMA/NTRUST;
    TRUST=MAX(0,((X3934=1) + (X3937=1))*OTHMA/NTRUST);
  END;

  *cash value of whole life insurance;
  CASHLI=MAX(0,X4006);

  *savings bonds;
  SAVBND = X3902;

  *other finacial assets;
  *includes loans, future proceeds, royalties, futures, non-public stock,
    deferred compensation, oil/gas/mineral invest., cash n.e.c.;
  OTHFIN = X4018+X4022*(X4020 IN (61,62,63,64,65,66,72,73,74)) +
           X4026*(X4024 IN (61,62,63,64,65,66,72,73,74)) +
           X4030*(X4028 IN (61,62,63,64,65,66,72,73,74));

  LIQ= SUM(CHECKING,SAVING,MMA,CALL);

  FIN= SUM(CHECKING,SAVING,CDS,MMA,IRAKH,THRIFT,CALL,
      STOCKS,BOND,NMMF,OTHMA,CASHLI,SAVBND,OTHFIN);


***** My Financial Assets Section;

  *OTHFINP includes only cash n.e.c., and non-public stock.  WP;

  OTHFINP = X4018+X4022*(X4020 IN (63,74)) +
            X4026*(X4024 IN (63,74)) +
            X4030*(X4028 IN (63,74));

  *FINP includes only those financial assets we will use xpprop
   against.  WP;

  FINP= SUM(CHECKING,SAVING,CDS,MMA,THRIFT,CALL,
       STOCKS,BOND,NMMF,OTHMA,SAVBND,OTHFINP);

***** End of our Financial Assets Section;



  ******** Nonfinancial assets ******************************;

  * vehicles;
    VEHIC=X8166*(X2202>=1) + X8167*(X2202>=2) + X8168*(X2202>=3)+
          X2422+X2506+X2606+X2623;


  *TWK x507 should be 90% at a maximum, as there are some cases who
    report having 100% of their property be used for farming;
    *no one where x508 is not 1 or 2 reports value for x513 or x526;
  IF X507>= 9000 THEN X507=9000;
  HOUSES=SUM(0,X604,X614,X623,X716) + ((10000-X507)/10000)*
    (X513+X526);

  * investment real estate;
    REALEST=MAX(X1405,X1409)+MAX(X1505,X1509)+MAX(X1605,X1609)+
            X1619+ X1706*(X1705/10000)+X1806*(X1805/10000)+
            X1906*(X1905/10000)+X2002+X2012;
  
  * business interests;

    BUS = MAX(0,X3129) + X3124 - X3126*(X3127=5) + 
          MAX(0,X3229) + X3224 - X3226*(X3227=5) +
          MAX(0,X3329) + X3324 - X3326*(X3327=5) +
          MAX(0,X3335) + (X507/10000)*(X513+X526)+
           MAX(0,X3408) +MAX(0,X3412) +MAX(0,X3416) +MAX(0,X3420) +
           MAX(0,X3424) +MAX(0,X3428)+
           X3121*(X3122=1)+X3221*(X3222=1)+X3321*(X3322=1);

    BUSDBT=0;
    IF BUS < 0 THEN DO;
       BUSDBT = -BUS;
       BUS = 0;
    END;

  * other nonfinancial assets;
    OTHNFIN = X4022 + X4026 + X4030 
              - X4022*((61<=X4020<=66) OR (72<=X4020<=74)) 
              - X4026*((61<=X4024<=66) OR (72<=X4024<=74)) 
              - X4030*((61<=X4028<=66) OR (72<=X4028<=74));

  NFIN= SUM(VEHIC,HOUSES,REALEST,BUS,OTHNFIN);

  ASSET= SUM(FIN,NFIN);
  SQASSET= ASSET**2;


  *********** Debts ******************************************;

   ************ All real estate debt ***************************;

   ************ housing debt ******;


  * housing debt (mortgage & home equity loans);
    IF (X1108+X1119+X1130)>=1 THEN DO;
      MRTHEL=X805+X905+X1005+
             X1108*(X1103=1)+X1119*(X1114=1)+X1130*(X1125=1)+
             MAX(0,X1136)*(X1108*(X1103=1)+
             X1119*(X1114=1)+X1130*(X1125=1))/(X1108+X1119+X1130);
      OTHLOC=X1108*(X1103^=1)+X1119*(X1114^=1)+X1130*(X1125^=1)+
             MAX(0,X1136)*(X1108*(X1103^=1)+X1119*(X1114^=1)+
             X1130*(X1125^=1))/(X1108+X1119+X1130);
    END;
    ELSE DO;
      MRTHEL=X805+X905+X1005+.5*(MAX(0,X1136));
      OTHLOC=.5*(MAX(0,X1136));
    END;


***** My housing debt section;

      MORTETC= SUM(X805,X905,X1005)+
              X1108*(X1103=1)+X1119*(X1114=1)+X1130*(X1125=1)+
              X1044;


      OTHRLOC=X1108*(X1103^=1)+X1119*(X1114^=1)+X1130*(X1125^=1)+
              MAX(0,X1136);


*****End of my housing debt section;

*****The following debt sec doesn't include ed debt;

  * debt for investment real estate;
    REALDBT= SUM(X1417,X1517,X1617,X1621)+
            X1715*(X1705/10000)+
            X1815*(X1805/10000)+
            X1915*(X1905/10000)+
            X2006+X2016+
            X2723*(X2710=67)+X2740*(X2727=67)+
            X2823*(X2810=67)+X2840*(X2827=67)+
            X2923*(X2910=67)+X2940*(X2927=67);

  * credit card debt;
    CCBAL = MAX(0,X427)+MAX(0,X413)+MAX(0,X421)+MAX(0,X430)+
            MAX(0,X424)+MAX(0,X7575);

  * installment loans;
    INSTALL=X2218+X2318+X2418+X2424+X2519+X2619+X2625+
            X2723*(X2710^=67)+X2740*(X2727^=67)+
            X2823*(X2810^=67)+X2840*(X2827^=67)+
            X2923*(X2910^=67)+X2940*(X2927^=67)+
            X1044+X1215+X1219;

  * other debts;
    ODEBT= SUM(X4229,X4329,X4429,X4829,X4929,X5029,
           X4010,X4032,MAX(0,X3932));

    DEBT= SUM(MRTHEL,BUSDBT,REALDBT,OTHLOC,CCBAL,INSTALL,ODEBT);


***** Education debt;

    EDLOANS= SUM(X7824,X7847,X7870,X7924,X7947,X7970);

***** Motor vehicle debt;


  * Car debts;
    CAR1LOAN=(X2202>=1)*(X2206=1)*X2218;
    CAR2LOAN=(X2202>=2)*(X2306=1)*X2318;
    CAR3LOAN=(X2202>=3)*(X2406=1)*X2418;
    OCARLOAN=(X2202>=4)*(X2423=1)*X2424;    


  * Adding motorhomes and motorcycles/motorscooters to vehicles,
    but only if R has fewer than 4 cars.;

IF X2505 IN (1,11) THEN MHMV1=1;
ELSE MHMV1=0;
IF X2605 IN (1,11) THEN MHMV2=1;
ELSE MHMV2=0;

ARRAY VEH{*} X8166 X8167 X8168 X2422;
ARRAY VEHLOAN{*} CAR1LOAN CAR2LOAN CAR3LOAN OCARLOAN;

IF X2202<4 THEN DO;
   I=X2202 + 1;
   VEH{I}= MHMV1*X2506;
   VEHLOAN{I}= MHMV1*(X2507=1)*X2519;
   X2506= X2506 - MHMV1*X2506;
   X2519= X2519 - MHMV1*X2519;
   X2202= X2202 + MHMV1;
END;

IF X2202<4 THEN DO;
   I=X2202 + 1;
   VEH{I}= MHMV2*X2606;
   VEHLOAN{I}= MHMV2*(X2607=1)*X2619;
   X2606= X2606 - MHMV2*X2606;
   X2619= X2619 - MHMV2*X2619;
   X2202= X2202 + MHMV1;
END;

***** End of my motor vehicle section;



  * total networth;

    NETWORTH=ASSET-DEBT;


  * equity in assets;
 
    EQHOME= MAX(HOUSES-MORTETC,0);

    EQCAR1= MAX(X8166*(X2202>=1)-CAR1LOAN,0);
    EQCAR2= MAX(X8167*(X2202>=2)-CAR2LOAN,0);
    EQCAR3= MAX(X8168*(X2202>=3)-CAR3LOAN,0);
    EQOCAR= MAX(X2422-OCARLOAN,0);

    EQCARS= SUM(EQCAR1,EQCAR2,EQCAR3,EQOCAR);

    LINS= CASHLI-X4010;

    PPROP = FINP + OTHNFIN;


  * Other Assets taken in bankruptcy;

    CBOTHER = ASSET - PPROP - CASHLI - IRAKH - HOUSES -
              X8166*(X2202>=1) -  X8167*(X2202>=2) -
              X8168*(X2202>=3) -  X2422 -
              X4022*(X4020 IN (64,65,66,72,73)) -
              X4026*(X4024 IN (64,65,66,72,73)) -
              X4030*(X4028 IN (64,65,66,72,73));

    RCBOTHER= CBOTHER - REALEST;


  * Other Debts forgiven in bankruptcy;

    DFOTHER = DEBT - X4010 - MORTETC - CAR1LOAN - 
              CAR2LOAN - CAR3LOAN - OCARLOAN;


  * Dischargeable debts;

DISCHOUS= MAX(MORTETC-HOUSES,0);
DISCCAR= MAX(CAR1LOAN-X8166*(X2202>=1),0) +
         MAX(CAR2LOAN-X8167*(X2202>=2),0) +
         MAX(CAR3LOAN-X8168*(X2202>=3),0) +
         MAX(OCARLOAN-X2422,0);
DISCLINS= MAX(X4010-CASHLI,0);

DISCALL= DFOTHER + DISCLINS + DISCCAR + DISCHOUS;

DISCDEBT=0;
IF DISCALL>0 THEN DISCDEBT=1;
DISC350=0;
IF DISCALL>350 THEN DISC350=1;


  * Mortgage and Car debt (for probits);

MORCARDB= SUM(MORTETC,CAR1LOAN,CAR2LOAN,CAR3LOAN,OCARLOAN);



***** Variables for Credit Card Strategy;

* Credit Cards;

IF X414=-1 THEN DELETE;
CHARGED= MAX(0,X413) +MAX(0,X421) +MAX(0,X424) +MAX(0,X427) +MAX(0,X430);
CARDCRED= MAX(0,X414-CHARGED);

* Lines of Credit;

L1CRED=0;
L2CRED=0;
L3CRED=0;

IF X1103=5 THEN L1CRED= MAX(0,X1104-X1108);
IF X1114=5 THEN L2CRED= MAX(0,X1115-X1119);
IF X1125=5 THEN L3CRED= MAX(0,X1126-X1130);

DFCREDIT= SUM(CARDCRED,L1CRED,L2CRED,L3CRED);

NetW3in= ASSET - DEBT + 3*WAGE;
if  (FIN > 250000) | (x5729 > 125000) then NetW3in= . ;

run;


   PROC RANK OUT=oneRANK GROUPS=10;
   VAR NetW3in;
   RANKS RNETW3IN;
   RUN;


proc datasets;
delete one;
run;


data  AL AR AZ CA CO CT DC FL GA IA IL KS KY LA MA MD MI
      MN MO MS NC ND NH NJ NY OH OK OR PA RI SC TN TX UT
      VA WA WI WV WY;

SET oneRANK;


*****   This section creates 39 obs for each obs: one in each state *****;
*****   This section also codes most of the bankruptcy exemptions   *****;
*****   for each state.  Some of the qualifications for the exemp-  *****;
*****   tions are enmeshed in the code that calculates our bank-    *****;
*****   ruptcy statistics (for example, limits on # of cars that    *****;
*****   a filer can exempt);                                        *****;  

AL='AL';
AR='AR';
AZ='AZ';
CA='CA';
CO='CO';
CT='CT';
DC='DC';
FL='FL';
GA='GA';
IA='IA';
IL='IL';
KS='KS';
KY='KY';
LA='LA';
MA='MA';
MD='MD';
MI='MI';
MN='MN';
MO='MO';
MS='MS';
NC='NC';
ND='ND';
NH='NH';
NJ='NJ';
NY='NY';
OH='OH';
OK='OK';
OR='OR';
PA='PA';
RI='RI';
SC='SC';
TN='TN';
TX='TX';
UT='UT';
VA='VA';
WA='WA';
WI='WI';
WV='WV';
WY='WY';

ARRAY STAT{*} AL AR AZ CA CO CT DC FL GA IA IL KS KY LA MA MD
            MI MN MO MS NC ND NH NJ NY OH OK OR PA RI SC TN TX
            UT VA WA WI WV WY;

  DO S=1 TO DIM(STAT);
  STA=STAT{S};


*****State Exemptions;
IF STA= 'AL' THEN DO;
    XHOME= 5000+5000*MARRIED;
    XCAR1= 0;
    XIRA= 0;
    XLINS= 99999999;
    XWCARD= 0;
    XPPROP= 3000+3000*MARRIED;
    XWAGE= (.75)*WAGE;
END;

IF STA= 'AR' THEN DO;
   XHOME=  MAX(99999999*(NOCHILD>=1),800+450*MARRIED);
   XCAR1=1200+1200*MARRIED;
   XIRA= 20000+20000*MARRIED;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 500;
   XWAGE= 1300;
END;

IF STA= 'AZ' THEN DO;
   XHOME= 100000;
   XCAR1= 1500+1500*MARRIED;
   XIRA= 99999999;
   XLINS= (20000+20000*MARRIED)*((MARRIED=1) OR (NODEPS>=1));
   XWCARD=0;
   XPPROP=150+150*MARRIED;
   XWAGE= (.75)*WAGE;
END;
 
IF STA= 'CA' THEN DO;
   XHOMEF= 7500;
   XCAR1F= 1200;
   XIRAF= 99999999;
   XLINSF= 99999999;
   XWCARDF= 400;
   XPPROPF= 0;
   XWAGEF= 0;
END;

IF STA='CA' THEN DO;
   XHOME= MAX(100000*(AGE>=65),75000*MARRIED,50000,
          100000*(AGE>=55)*(MARRIED=0)*(WAGE<=20000));
   XCAR1= 1200+1200*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='CO' THEN DO;
   XHOME=30000+30000*MARRIED;
   XCAR1= 1000+1000*MARRIED;
   XIRA=99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='CT' THEN DO;
   XHOME= 0;
   XCAR1= 1500+1500*MARRIED;
   XIRA= 0;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='DC' THEN DO;
   XHOME= 0;
   XCAR1= 500+500*MARRIED;
   XIRA= 0;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0 ;
   XWAGE= (.75)*WAGE;
END;

IF STA='FL' THEN DO;
   XHOME= 99999999;
   XCAR1= 0;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 1000+1000*MARRIED;
   XWAGE= WAGE;
END;

IF STA='GA' THEN DO;
   XHOME= 5000+5000*MARRIED;
   XCAR1=1000+1000*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 400+400*MARRIED;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;
 
IF STA='IA' THEN DO;
   XHOME= 99999999;
   XCAR1= 5000+5000*MARRIED;
   XIRA= 99999999*(AGE>=65);
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 100+100*MARRIED;
   XWAGE= (.75)*WAGE;
END;

IF STA='IL' THEN DO;
   XHOME= 7500+7500*MARRIED;
   XCAR1= 1200+1200*MARRIED;
   XIRA= 99999999;
   XLINS= 0;
   XWCARD= 0;
   XPPROP= 2000+2000*MARRIED;
   XWAGE= (.85)*WAGE;
END;

IF STA='KS' THEN DO;
   XHOME= 99999999;
   XCAR1= 20000+20000*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='KY' THEN DO;
   XHOME= 5000+5000*MARRIED;
   XCAR1= 2500+2500*MARRIED;   *TOOLS OF TRADE;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 1000+1000*MARRIED;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='LA' THEN DO;
   XHOME= 15000;
   XCAR1= 99999999*WORKER;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='MA' THEN DO;
   XHOME= 100000+100000*(AGE>=65);
   XCAR1= 750+750*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 925+925*MARRIED+200*(HOUSECL=2);
   XWAGE= 6500;
END;

IF STA='MD' THEN DO;
   XHOME= 0;
   XCAR1= 0;
   XIRA= 0;
   XLINS= 99999999;
   XWCARD= 5500+5500*MARRIED;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;
 
IF STA='MI' THEN DO;
   XHOME= 3500+3500*MARRIED;
   XCAR1= 1000+1000*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.60)*WAGE;
END;

IF STA='MN' THEN DO;
   XHOME= 99999999;
   XCAR1= 3000+3000*MARRIED;
   XIRA= 90000+90000*MARRIED;
   XLINS= 30000+30000*MARRIED+7500*NODEPS;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='MO' THEN DO;
   XHOME= (8000)*(X501^=2)+(1000)*(X501=2);
   XCAR1= 500+500*MARRIED;
   XIRA= 0;
   XLINS= MAX(99999999*MARRIED,5000);
   XWCARD= 1250+1250*MARRIED+250*NODEPS;
   XPPROP= 0;
   XWAGE= MAX((.90)*WAGE*(NODEPS>=1),(.75)*WAGE);
END;

IF STA='MS' THEN DO;
   XHOME= 75000+75000*MARRIED;
   XCAR1= 0;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 10000+10000*MARRIED;
   XWAGE= (.75)*WAGE;
END;

IF STA='NC' THEN DO;
   XHOME= 10000+10000*MARRIED;
   XCAR1= 1500+1500*MARRIED;
   XIRA= 0;
   XLINS= 0;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= 0;
END;

IF STA='ND' THEN DO;
   XHOME= (80000+80000*MARRIED)*(PPROP<=EQHOME OR 
           EQHOME>=7500+7500*MARRIED);
   XCAR1= 1200+1200*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 5000+(7500+7500*MARRIED)*(PPROP>EQHOME AND 
           EQHOME<7500+7500*MARRIED);
   XWAGE= (.75)*WAGE;
END;

IF STA='NH' THEN DO;
   XHOME= 30000+30000*MARRIED;
   XCAR1= 1000+1000*MARRIED;
   XIRA= 0;
   XLINS= 0;
   XWCARD=0;
   XPPROP= 0;
   XWAGE= 0;
END;

IF STA='NJ' THEN DO;
   XHOME= 0;
   XCAR1=0;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 1000+1000*MARRIED;
   XWAGE= (.9)*WAGE*(WAGE<=7500);
   *we seem to be missing a piece here;
END;

IF STA='NY' THEN DO;
   XHOME= 10000+10000*MARRIED;
   XCAR1= 2400+2400*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   *This is imprecise, because it assumes that if you have any
    equity in a home at all, you take xhome and not xpprop;
   XPPROP= MAX(MIN(2500+2500*MARRIED,5000-LINS),0)*(EQHOME=0);
   XWAGE= (.90)*WAGE;
END;

IF STA='OH' THEN DO;
   XHOME= 5000+5000*MARRIED;
   XCAR1= 1000+1000*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 400+400*MARRIED;
   XPPROP= 400+400*MARRIED;
   XWAGE= (.75)*WAGE;
END;

IF STA='OK' THEN DO;
   XHOME= 99999999;
   XCAR1= 3000+3000*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='OR' THEN DO;
   XHOME= MAX((15000+5000*MARRIED)*(X501^=2),
              (13000+5000*MARRIED)*(X501=2));
   XCAR1= 1200+1200*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 7500+7500*MARRIED;
   XWAGE= (.75)*WAGE;
END;

IF STA='PA' THEN DO;
   XHOME= 0;
   XCAR1= 0;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 300+300*MARRIED;
   XPPROP= 0;
   XWAGE= WAGE;
END;

IF STA='RI' THEN DO;
   XHOME= 0;
   XCAR1= 0;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= 50;
END;

IF STA='SC' THEN DO;
   XHOME= (5000+5000*MARRIED)*((EQHOME>=(1000+1000*MARRIED)) OR 
          (EQHOME>=PPROP));
   XCAR1= 1200+1200*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= (1000+1000*MARRIED)*((EQHOME<(1000+1000*MARRIED)) AND
           (EQHOME<PPROP));
   XWAGE= 0;
END;

IF STA='TN' THEN DO;
   XHOME= MAX(5000,7500*MARRIED);
   XCAR1= 0;
   XIRA= 99999999;
   XLINS= 0;
   XWCARD= 0;
   XPPROP= 4000+4000*MARRIED;
   XWAGE= (.75)*WAGE;
END;

IF STA='TX' THEN DO;
   XHOME= 99999999;
   XCAR1= 60000;
   XIRA= 99999999;
   XLINS= 60000-EQCARS;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= WAGE;
END;

IF STA='UT' THEN DO;
   XHOME= 8000+2000*MARRIED+500*NODEPS;
   XCAR1= 1500+1500*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='VA' THEN DO;
   XHOME= 5000+5000*MARRIED+500*NODEPS;
   XCAR1= 2000+(10000)*(HOUSECL=1);
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

IF STA='WA' THEN DO;
   XHOME= 30000+30000*MARRIED;
   XCAR1= 2500+2500*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 100+100*MARRIED;
   XWAGE= (.75)*WAGE;
END;

IF STA='WI' THEN DO;
   XHOME= 40000;
   XCAR1= 1200+1200*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 1000+1000*MARRIED;
   XWAGE= (.75)*WAGE;
END;

IF STA='WV' THEN DO;
    XHOME= 7500+7500*MARRIED;
    XCAR1= 1200+1200*MARRIED;
    XIRA= 99999999;
    XLINS= 99999999;
    XWCARD= 400;
    XPPROP= 0;
    XWAGE= (.80)*WAGE;
END;

IF STA='WY' THEN DO;
   XHOME= MAX((10000+10000*MARRIED)*(X501^=2),
              (6000+6000*MARRIED)*(X501=2));
   XCAR1= 2000+2000*MARRIED;
   XIRA= 99999999;
   XLINS= 99999999;
   XWCARD= 0;
   XPPROP= 0;
   XWAGE= (.75)*WAGE;
END;

* Federal Exemption;

FEDEX=0;

IF STA='AR' OR 
   STA='CT' OR
   STA='DC' OR
   STA='MA' OR 
   STA='MI' OR
   STA='MN' OR
   STA='NJ' OR
   STA='PA' OR
   STA='RI' OR
   STA='SC' OR
   STA='TX' OR
   STA='WA' OR
   STA='WI' OR
   STA='TS' THEN DO;

     FEDEX= 1;
     XHOMEF= 7500+7500*MARRIED;
     XWCARDF= 400+400*MARRIED;
     XIRAF= 99999999;
     XLINSF= 99999999;
     XPPROPF= 0;
     XCAR1F= 1200+1200*MARRIED;
     XWAGE= 0;
END;

   ELSE FEDEX= 0;

KEEP  FEDEX XHOMEF XWCARDF XIRAF XLINSF XPPROPF XCAR1F XWAGE
     XHOME XWCARD XIRA XLINS XPPROP XCAR1 WGT RNETW3IN NETW3IN
     STA MARRIED NODEPS WAGE HOUSECL WORKER 
 EQHOME MORTETC HOUSES X2202 EQCAR1 CAR1LOAN X8166 EQCAR2 CAR2LOAN
 X8167 EQCAR3 CAR3LOAN X8168 EQOCAR OCARLOAN X2422 NODRIVRS IRAKH
 LINS CASHLI X4010 PPROP REALEST
 CBOTHER RCBOTHER DFOTHER DFCREDIT JOBLOSS DISCDEBT DISC350 MORCARDB
 ELDERLY INCOME ASSET DEPS NDEPS RACECL Y1 SQASSET SQINCOME X3004 X3005;


IF STA='AL' THEN OUTPUT AL;
IF STA='AR' THEN OUTPUT AR;
IF STA='AZ' THEN OUTPUT AZ;
IF STA='CA' THEN OUTPUT CA;
IF STA='CO' THEN OUTPUT CO;
IF STA='CT' THEN OUTPUT CT;
IF STA='DC' THEN OUTPUT DC;
IF STA='FL' THEN OUTPUT FL;
IF STA='GA' THEN OUTPUT GA;
IF STA='IA' THEN OUTPUT IA;
IF STA='IL' THEN OUTPUT IL;
IF STA='KS' THEN OUTPUT KS;
IF STA='KY' THEN OUTPUT KY;
IF STA='LA' THEN OUTPUT LA;
IF STA='MA' THEN OUTPUT MA;
IF STA='MD' THEN OUTPUT MD;
IF STA='MI' THEN OUTPUT MI;
IF STA='MN' THEN OUTPUT MN;
IF STA='MO' THEN OUTPUT MO;
IF STA='MS' THEN OUTPUT MS;
IF STA='NC' THEN OUTPUT NC;
IF STA='ND' THEN OUTPUT ND;
IF STA='NH' THEN OUTPUT NH;
IF STA='NJ' THEN OUTPUT NJ;
IF STA='NY' THEN OUTPUT NY;
IF STA='OH' THEN OUTPUT OH;
IF STA='OK' THEN OUTPUT OK;
IF STA='OR' THEN OUTPUT OR;
IF STA='PA' THEN OUTPUT PA;
IF STA='RI' THEN OUTPUT RI;
IF STA='SC' THEN OUTPUT SC;
IF STA='TN' THEN OUTPUT TN;
IF STA='TX' THEN OUTPUT TX;
IF STA='UT' THEN OUTPUT UT;
IF STA='VA' THEN OUTPUT VA;
IF STA='WA' THEN OUTPUT WA;
IF STA='WI' THEN OUTPUT WI;
IF STA='WV' THEN OUTPUT WV;
IF STA='WY' THEN OUTPUT WY;

END;

RUN;

proc datasets;
delete oneRANK;
run;



***********************************************************************;
******     This section calculates bankruptcy statistics for     ******;
******       no-strategy, Strategy (III), and Strategy (IV)      ******;
******                         assumptions                       ******;
***********************************************************************;

DATA file.STRAT1;
SET   AL AR AZ CA CO CT DC FL GA IA IL KS KY LA MA MD MI
      MN MO MS NC ND NH NJ NY OH OK OR PA RI SC TN TX UT
      VA WA WI WV WY;


*Federal and CA System 2 Exemption for Homes;

IF STA='CA' OR FEDEX=1 THEN DO;

    HXLEFTF=0;

    IF EQHOME>0 AND XHOMEF>=EQHOME THEN DO;
       KEEPHOMF=1;
       DFHOMEF=0;
       CBHOMEF=0;
       HXLEFTF=MIN(XHOMEF-EQHOME,MORTETC);
    END;

    IF EQHOME>0 AND XHOMEF<EQHOME THEN DO;
       XHOMEF=XHOMEF+XWCARDF;
       IF XHOMEF>=EQHOME THEN DO;
          KEEPHOMF=1;
          DFHOMEF=0;
          CBHOMEF=0;
          XWCARDF=XHOMEF-EQHOME;
       END;
       IF XHOMEF<EQHOME THEN DO;
          KEEPHOMF=0;
          DFHOMEF=MORTETC;
          CBHOMEF=HOUSES-XHOMEF;
          XWCARDF=0;
       END;
    END; 

    IF EQHOME<=0 THEN DO;
       KEEPHOMF=0;
       DFHOMEF=MORTETC;
       CBHOMEF=HOUSES;   
       HXLEFTF=MIN(XHOMEF,MORTETC);
    END;
END;



*  State Homestead Exemptions;

    HXLEFT=0;

    IF EQHOME>0 AND XHOME>=EQHOME THEN DO;
       KEEPHOME=1;
       DFHOME=0;
       CBHOME=0;
       HXLEFT=MIN(XHOME-EQHOME,MORTETC);
    END;

    IF EQHOME>0 AND XHOME<EQHOME THEN DO;
       XHOME= XHOME+XWCARD;
       IF XHOME>=EQHOME THEN DO;
          KEEPHOME=1;
          DFHOME=0;
          CBHOME=0;
          XWCARD=XHOME-EQHOME;
       END;
       IF XHOME<EQHOME THEN DO;
          KEEPHOME=0;
          DFHOME=MORTETC;
          CBHOME=HOUSES-XHOME;
          XWCARD=0;
       END; 
    END;

    IF EQHOME<=0 THEN DO;
       KEEPHOME=0;
       DFHOME=MORTETC;
       CBHOME=HOUSES; 
       HXLEFT=MIN(XHOME,MORTETC);
    END;


*Federal and CA System 2 Vehicle Exemptions;

IF STA='CA' OR FEDEX=1 THEN DO;

IF X2202>=1 THEN DO;

IF EQCAR1>0 AND XCAR1F>=EQCAR1 THEN DO;
   KEEPCA1F=1;
   DFCAR1F=0;
   CBCAR1F=0;
   XCAR2F=XCAR1F-EQCAR1;
END;


IF EQCAR1>0 AND XCAR1F<EQCAR1 THEN DO;
   XCAR1F=XCAR1F+XWCARDF+XPPROPF;
   IF XCAR1F>=EQCAR1 THEN DO;
      KEEPCA1F=1;
      DFCAR1F=0;
      CBCAR1F=0;
      XPPROPF=XCAR1F-EQCAR1;
      XWCARDF=0;
      XCAR2F=0;
   END;
   IF XCAR1F<EQCAR1 THEN DO;
      KEEPCA1F=0;
      DFCAR1F=CAR1LOAN;
      CBCAR1F=X8166*(X2202>=1)-XCAR1F;
      XPPROPF=0;
      XWCARDF=0;
      XCAR2F=0;
    END;
END;

IF EQCAR1<=0 THEN DO;
   KEEPCA1F=0;
   DFCAR1F=CAR1LOAN;
   CBCAR1F=X8166*(X2202>=1);
   XCAR2F=XCAR1F;
END;
END;

*  Second car;

IF X2202>=2 THEN DO;

   IF EQCAR2>0 AND XCAR2F>=EQCAR2 THEN DO;
      KEEPCA2F=1;
      DFCAR2F=0;
      CBCAR2F=0;
      XCAR3F=XCAR2F-EQCAR2;
   END;

   IF EQCAR2>0 AND XCAR2F<EQCAR2 THEN DO;
      XCAR2F= XCAR2F + XWCARDF + XPPROPF;
      IF XCAR2F>=EQCAR2 THEN DO;
         KEEPCA2F=1;
         DFCAR2F=0;
         CBCAR2F=0;
         XWCARD=0;
         XPPROPF=XCAR2F-EQCAR2;
         XCAR3F=0;
      END;
      IF XCAR2F<EQCAR2 THEN DO;
         KEEPCA2F=0;
         DFCAR2F=CAR2LOAN;
         CBCAR2F=X8167*(X2202>=2)-XCAR2F;
         XWCARDF=0;
         XPPROPF=0;
         XCAR3F=0;
      END;
   END;

   IF EQCAR2<=0 THEN DO;
      KEEPCA2F=0;
      DFCAR2F=CAR2LOAN;
      CBCAR2F=X8167*(X2202>=2);
      XCAR3F=XCAR2F;
   END;
END;


*  Third car;

IF X2202>=3 THEN DO;

   IF EQCAR3>0 AND XCAR3F>=EQCAR3 THEN DO;
      KEEPCA3F=1;
      DFCAR3F=0;
      CBCAR3F=0;
      XOCARF=XCAR3F-EQCAR3;
   END;

   IF EQCAR3>0 AND XCAR3F<EQCAR3 THEN DO;
      XCAR3F= XCAR3F + XWCARDF +XPPROPF;
      IF XCAR3F>=EQCAR3 THEN DO;
         KEEPCA3F=1;
         DFCAR3F=0;
         CBCAR3F=0;
         XWCARD=0;
         XPPROPF=XCAR3F-EQCAR3;
         XOCARF=0;
      END;
      IF XCAR3F<EQCAR3 THEN DO;
         KEEPCA3F=0;
         DFCAR3F=CAR3LOAN;
         CBCAR3F=X8168*(X2202>=3)-XCAR3F;
         XWCARDF=0;
         XPPROPF=0;
         XOCARF=0;
      END;
   END;

   IF EQCAR3<=0 THEN DO;
      KEEPCA3F=0;
      DFCAR3F=CAR3LOAN;
      CBCAR3F=X8168*(X2202>=3);
      XOCARF=XCAR3F;
   END;
END;


*  Other cars;

IF X2202>=4 THEN DO;

   IF EQOCAR>0 AND XOCARF>=EQOCAR THEN DO;
      KEEPOCAF=1;
      DFOCARF=0;
      CBOCARF=0;
   END;

   IF EQOCAR>0 AND XOCARF<EQOCAR THEN DO;
      XOCARF= XOCARF + XWCARDF + XPPROPF;
      IF XOCARF>=EQOCAR THEN DO;
         KEEPOCAF=1;
         DFOCARF=0;
         CBOCARF=0;
         XWCARDF=0;
         XPPROPF=XOCARF-EQOCAR;
      END;
      IF XOCARF<EQOCAR THEN DO;
         KEEPOCAF=0;
         DFOCARF=OCARLOAN;
         CBOCARF=X2422-XOCARF;
         XWCARDF=0;
         XPPROPF=0;
      END;
   END;

   IF EQOCAR<=0 THEN DO;
      KEEPOCAF=0;
      DFOCARF=OCARLOAN;
      CBOCARF=X2422;
   END;
END;

END;


*State Vehicle Exemptions; 

IF X2202>=1 THEN DO;

   IF EQCAR1>0 AND XCAR1>=EQCAR1 THEN DO;
      KEEPCAR1=1;
      DFCAR1=0;
      CBCAR1=0;
      XCAR2=XCAR1-EQCAR1;
   END;

   IF EQCAR1>0 AND XCAR1<EQCAR1 THEN DO;
      XCAR1=XCAR1+XPPROP+XWCARD;
      IF XCAR1>=EQCAR1 THEN DO;
         KEEPCAR1=1;
         DFCAR1=0;
         CBCAR1=0;
         XPPROP=XCAR1-EQCAR1;
         XWCARD=0;
         XCAR2=0;
      END;
      IF XCAR1<EQCAR1 THEN DO;
         KEEPCAR1=0;
         DFCAR1=CAR1LOAN;
         CBCAR1=X8166*(X2202>=1)-XCAR1;
         XPPROP=0;
         XWCARD=0;
         XCAR2=0;
      END;
   END;

   IF EQCAR1<=0 THEN DO;
      KEEPCAR1=0;
      DFCAR1=CAR1LOAN;
      CBCAR1=X8166*(X2202>=1);
      XCAR2=XCAR1;
   END;
END;


*  Second car;

IF STA='LA' OR STA='LO' THEN XCAR2=0;
IF (STA='TX' OR STA='TS') AND NODRIVRS<2 THEN XCAR2=0;

IF X2202>=2 THEN DO;

   IF EQCAR2>0 AND XCAR2>=EQCAR2 THEN DO;
      KEEPCAR2=1;
      DFCAR2=0;
      CBCAR2=0;
      XCAR3=XCAR2-EQCAR2;
   END;

   IF EQCAR2>0 AND XCAR2<EQCAR2 THEN DO;
      XCAR2= XCAR2 + XPPROP + XWCARD;
      IF XCAR2>=EQCAR2 THEN DO;
         KEEPCAR2=1;
         DFCAR2=0;
         CBCAR2=0;
         XPPROP=XCAR2-EQCAR2;
         XWCARD=0;
         XCAR3=0;
      END;
      IF XCAR2<EQCAR2 THEN DO;
         KEEPCAR2=0;
         DFCAR2=CAR2LOAN;
         CBCAR2=X8167*(X2202>=2)-XCAR2;
         XPPROP=0;
         XWCARD=0;
         XCAR3=0;
      END;
   END;

   IF EQCAR2<=0 THEN DO;
      KEEPCAR2=0;
      DFCAR2=CAR2LOAN;
      CBCAR2=X8167*(X2202>=2); 
      XCAR3=XCAR2;
   END;
END;


*  Third car;

IF STA='WA' THEN XCAR3=0;
IF (STA='TX' OR STA='TS') AND NODRIVRS<3 THEN XCAR3=0;

IF X2202>=3 THEN DO;

   IF EQCAR3>0 AND XCAR3>=EQCAR3 THEN DO;
      KEEPCAR3=1;
      DFCAR3=0;
      CBCAR3=0;
      XOCAR=XCAR3-EQCAR3;
   END;

   IF EQCAR3>0 AND XCAR3<EQCAR3 THEN DO;
      XCAR3= XCAR3 + XPPROP + XWCARD;
      IF XCAR3>=EQCAR3 THEN DO;
         KEEPCAR3=1;
         DFCAR3=0;
         CBCAR3=0;
         XPPROP=XCAR3-EQCAR3;
         XWCARD=0;
         XOCAR=0;
      END;
      IF XCAR3<EQCAR3 THEN DO;
         KEEPCAR3=0;
         DFCAR3=CAR3LOAN;
         CBCAR3=X8168*(X2202>=3)-XCAR3;
         XPPROP=0;
         XWCARD=0;
         XOCAR=0;
      END;
   END;

   IF EQCAR3<=0 THEN DO;
      KEEPCAR3=0;
      DFCAR3=CAR3LOAN;
      CBCAR3=X8168*(X2202>=3); 
      XOCAR=XCAR3;
   END;
END;


*  Other cars;

IF STA='WA' THEN XOCAR=0;
IF (STA='TX' OR STA='TS') AND NODRIVRS<4 THEN XOCAR=0;

IF X2202>=4 THEN DO;

   IF EQOCAR>0 AND XOCAR>=EQOCAR THEN DO;
      KEEPOCAR=1;
      DFOCAR=0;
      CBOCAR=0;
   END;

   IF EQOCAR>0 AND XOCAR<EQOCAR THEN DO;
      XOCAR= XOCAR + XPPROP + XWCARD;
      IF XOCAR>=EQOCAR THEN DO;
         KEEPOCAR=1;
         DFOCAR=0;
         CBOCAR=0;
         XPPROP=XOCAR-EQOCAR;
         XWCARD=0;
      END;
      IF XOCAR<EQOCAR THEN DO;
         KEEPOCAR=0;
         DFOCAR=OCARLOAN;
         CBOCAR=X2422-XOCAR;
         XPPROP=0;
         XWCARD=0;
      END;
   END;

   IF EQOCAR<=0 THEN DO;
      KEEPOCAR=0;
      DFOCAR=OCARLOAN;
      CBOCAR=X2422; 
   END;
END;



* Keogh/ IRA Federal and CA System 2 Exemptions;

IF STA='CA' OR FEDEX=1 THEN CBIRAF=MAX(0,IRAKH-XIRAF);


* Keogh/ IRA State Exemptions;

CBIRA=MAX(0,IRAKH-XIRA);



*Life Insurance Federal Exemption;

IF STA='CA' OR FEDEX=1 THEN DO;
   IF LINS>=0 THEN DO;
      CBLINSF=0;
      DFLINSF=0;
   END;
   IF LINS<0 THEN DO;
      CBLINSF=CASHLI;
      DFLINSF=X4010;
   END;
END;


*Life Insurance State Exemptions;

IF LINS<=XLINS AND LINS>=0 THEN DO;
   CBLINS=0;
   DFLINS=0;
END;
IF LINS>XLINS OR LINS<0 THEN DO;
   CBLINS=CASHLI;
   DFLINS=X4010;
END;



*Personal Property State Exemptions;

   XPPROP= XPPROP + XWCARD; 
   CBPPROP=MAX(0,PPROP-XPPROP-MAX(0,(XHOME-EQHOME)*(STA='GA' OR
           STA='VA' OR STA='WV'),MIN(XHOME-EQHOME,3500+3500*MARRIED)*
           (STA='NC'),MIN(3750+3750*MARRIED,XHOME-EQHOME)*(STA='FD')));

   IF (MORTETC-HOUSES)<=0 THEN DO;
      TXPPROP= XPPROP + HXLEFT;
      TKEEPHOM=KEEPHOME;
      TCBHOME=CBHOME;
      TDFHOME=DFHOME;
      TCBPPROP= MAX(0,PPROP-TXPPROP);
      UCBPPROP= MAX(0,PPROP+REALEST-TXPPROP);
   END;

   IF MORTETC-HOUSES>0 THEN DO;
      TKEEPHOM=1;
      TCBHOME=0;
      TDFHOME=0;
      TCBPPROP= MAX(0,PPROP-XPPROP-MIN(MORTETC,XHOME+MORTETC-HOUSES));
      UCBPPROP= MAX(0,PPROP+REALEST-XPPROP-MIN(MORTETC,XHOME+MORTETC-HOUSES));
   END;

   STRATNET= TDFHOME-TCBHOME-TCBPPROP-CBOTHER;
   RSTRTNET= TDFHOME-TCBHOME-UCBPPROP-RCBOTHER;
   NONNET= DFHOME-CBHOME-CBPPROP-CBOTHER;

   IF STRATNET > NONNET THEN DO;
      SKEEPHOM=TKEEPHOM;
      SCBHOME=TCBHOME;
      SDFHOME=TDFHOME;
      SCBPPROP=TCBPPROP;
   END;

   IF RSTRTNET > NONNET THEN DO;
      RKEEPHOM=TKEEPHOM;
      RCBHOME=TCBHOME;
      RDFHOME=TDFHOME;
      RCBPPROP=UCBPPROP;
   END;

   IF STRATNET <= NONNET THEN DO;
      SKEEPHOM=KEEPHOME;
      SCBHOME=CBHOME;
      SDFHOME=DFHOME;
      SCBPPROP=CBPPROP;
   END;

   IF RSTRTNET <= NONNET THEN DO;
      RKEEPHOM=KEEPHOME;
      RCBHOME=CBHOME;
      RDFHOME=DFHOME;
      RCBPPROP=CBPPROP+REALEST;
   END;



*Personal Property Federal and CA System 2 Exemptions;

IF STA='CA' OR FEDEX=1 THEN DO;
   XPPROPF=XPPROPF+XWCARDF;
   CBPPROPF=MAX(0,PPROP-XPPROPF-MAX(0,MIN(3750+3750*MARRIED,XHOMEF-EQHOME),
             (XHOMEF-EQHOME)*(STA='CA')));

   IF (MORTETC-HOUSES)<=0 THEN DO;
      TXPPROPF= XPPROPF + HXLEFTF;
      TKEEPHOF=KEEPHOMF;
      TCBHOMEF=CBHOMEF;
      TDFHOMEF=DFHOMEF;
      TCBPPROF= MAX(0,PPROP-TXPPROPF);
      UCBPPROF= MAX(0,PPROP+REALEST-TXPPROPF);
   END;

   IF MORTETC-HOUSES > 0 THEN DO;
      TKEEPHOF=1;
      TCBHOMEF=0;
      TDFHOMEF=0;
      TCBPPROF= MAX(0,PPROP-XPPROPF-MIN(MORTETC,XHOMEF+MORTETC-HOUSES));
      UCBPPROF= MAX(0,PPROP+REALEST-XPPROPF-MIN(MORTETC,
                XHOMEF+MORTETC-HOUSES));
   END;

   STRATNET= TDFHOME-TCBHOME-TCBPPROP-CBOTHER;
   RSTRTNET= TDFHOME-TCBHOME-UCBPPROP-RCBOTHER;
   NONNET= DFHOMEF-CBHOMEF-CBPPROPF-CBOTHER;

   IF STRATNET > NONNET THEN DO;
      SKEEPHOF=TKEEPHOF;
      SCBHOMEF=TCBHOMEF;
      SDFHOMEF=TDFHOMEF;
      SCBPPROF=TCBPPROF;
   END;

   IF RSTRTNET > NONNET THEN DO;
      RKEEPHOF=TKEEPHOF;
      RCBHOMEF=TCBHOMEF;
      RDFHOMEF=TDFHOMEF;
      RCBPPROF=UCBPPROF;
   END;      

   IF STRATNET <= NONNET THEN DO;
      SKEEPHOF=KEEPHOMF;
      SCBHOMEF=CBHOMEF;
      SDFHOMEF=DFHOMEF;
      SCBPPROF=CBPPROPF;
   END;

   IF RSTRTNET <= NONNET THEN DO;
      RKEEPHOF=KEEPHOMF;
      RCBHOMEF=CBHOMEF;
      RDFHOMEF=DFHOMEF;
      RCBPPROF=CBPPROPF+REALEST;
   END;

END;



*****  The following sections compute the statistics on  *****;
*****      benefits from bankruptcy for each strategy    *****;


*****  Non-Strat  *****;

NUSEFED=0;

NCBTOT=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
          CBHOME,CBOTHER);
NDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER);

IF FEDEX=1 OR STA='CA' THEN DO;
   NCBTOTF=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,
              CBCAR3F,CBOCARF,CBHOMEF,CBOTHER);
   NDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER);

   IF (NDFTOT-NCBTOT)<(NDFTOTF-NCBTOTF) THEN DO;
       NUSEFED=1;
       NDFTOT=NDFTOTF;
       NCBTOT=NCBTOTF;
   END;
END;

IF NCBTOT<NDFTOT THEN FREEFILE=1;
   ELSE FREEFILE=0;
IF NCBTOT<(NDFTOT-350) THEN LWRFILE=1;
   ELSE LWRFILE=0;

IF FREEFILE=1 THEN NBENE=NDFTOT-NCBTOT;
   ELSE NBENE= .;
IF LWRFILE=1 THEN LNBENE=NDFTOT-350-NCBTOT;
   ELSE LNBENE= .;

   NNET= NDFTOT - NCBTOT;

IF FREEFILE=1 THEN NPCTPD= NCBTOT/NDFTOT;
IF FREEFILE=0 THEN NPCTPD= .;

IF LWRFILE=1 THEN LNPCTPD= NCBTOT/NDFTOT;
IF LWRFILE=0 THEN LNPCTPD= .;


*****  Strat(III)  *****;

CUSEFED=0;

CCBTOT=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
          CBHOME,CBOTHER);
CDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER,
          DFCREDIT);

IF FEDEX=1 OR STA='CA' THEN DO;
   CCBTOTF=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,
              CBCAR3F,CBOCARF,CBHOMEF,CBOTHER);
   CDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER,
              DFCREDIT);

   IF (CDFTOT-CCBTOT)<(CDFTOTF-CCBTOTF) THEN DO;
       CUSEFED=1;
       CDFTOT=CDFTOTF;
       CCBTOT=CCBTOTF;
   END;
END;

IF CCBTOT<CDFTOT THEN CFREFILE=1;
   ELSE CFREFILE=0;
IF CCBTOT<(CDFTOT-350) THEN CLWRFILE=1;
   ELSE CLWRFILE=0;

IF CFREFILE=1 THEN CBENE=CDFTOT-CCBTOT;
   ELSE CBENE= .;
IF CLWRFILE=1 THEN LCBENE=CDFTOT-350-CCBTOT;
   ELSE LCBENE= .;

   CNET = CDFTOT - CCBTOT;

IF CFREFILE=1 THEN CPCTPD= CCBTOT/CDFTOT;
IF CFREFILE=0 THEN CPCTPD= .;


*****  Strat(IV)  *****;

RUSEFED=0;

RCBTOT=SUM(CBLINS,RCBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
           RCBHOME,RCBOTHER);
RDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,RDFHOME,DFOTHER);


IF FEDEX=1 OR STA='CA' THEN DO;
   RCBTOTF=SUM(CBLINSF,RCBPPROF,CBIRAF,CBCAR1F,CBCAR2F,
               CBCAR3F,CBOCARF,RCBHOMEF,RCBOTHER);
   RDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,
               RDFHOMEF,DFOTHER);

   IF (RDFTOT-RCBTOT)<(RDFTOTF-RCBTOTF) THEN DO;
       RUSEFED=1;
       RDFTOT=RDFTOTF;
       RCBTOT=RCBTOTF;
   END;
END;

IF RCBTOT<RDFTOT THEN RFREFILE=1;
   ELSE RFREFILE=0;
IF RCBTOT<(RDFTOT-350) THEN RLWRFILE=1;
   ELSE RLWRFILE=0;

IF RFREFILE=1 THEN RBENE=RDFTOT-RCBTOT;
   ELSE RBENE=.;
IF RLWRFILE=1 THEN LRBENE=RDFTOT-350-RCBTOT;
   ELSE LRBENE=.;

   RNET= RDFTOT - RCBTOT;

IF RFREFILE=1 THEN RPCTPD= RCBTOT/RDFTOT;
IF RFREFILE=0 THEN RPCTPD= .;


KEEP NCBTOT NDFTOT NUSEFED FREEFILE LWRFILE NPCTPD LNPCTPD NNET
     CCBTOT CDFTOT CUSEFED CFREFILE CLWRFILE CPCTPD CNET
     RCBTOT RDFTOT RUSEFED RFREFILE RLWRFILE RPCTPD RNET
     JOBLOSS DISCDEBT DISC350 MORCARDB ELDERLY HOUSECL X3004 X3005
     INCOME ASSET DEPS NDEPS RACECL STA Y1 WGT RNETW3IN NETW3IN
     SQASSET SQINCOME NBENE LNBENE CBENE LCBENE RBENE LRBENE;

RUN;

PROC SORT; BY STA; RUN;

PROC UNIVARIATE NOPRINT;
VAR  NBENE LNBENE CBENE RBENE;
BY STA;
OUTPUT OUT=BENE1 
MEDIAN= dNBENE dLNBENE dCBENE dRBENE;
RUN;


PROC MEANS MEAN NOPRINT DATA=file.STRAT1;
VAR NUSEFED FREEFILE LWRFILE NPCTPD LNPCTPD CUSEFED CFREFILE CLWRFILE 
    CPCTPD RUSEFED RFREFILE RLWRFILE RPCTPD 
    DISCDEBT DISC350 ASSET INCOME SQASSET SQINCOME HOUSECL ELDERLY DEPS
    NDEPS JOBLOSS RACECL MORCARDB NBENE LNBENE CBENE RBENE NNET CNET RNET;
WEIGHT WGT;
BY STA;
OUTPUT OUT=SMEANS1
MEAN=  NUSEFED FREEFILE LWRFILE NPCTPD LNPCTPD CUSEFED CFREFILE CLWRFILE 
    CPCTPD RUSEFED RFREFILE RLWRFILE RPCTPD
    DISCDEBT DISC350 ASSET INCOME SQASSET SQINCOME HOUSECL ELDERLY DEPS
    NDEPS JOBLOSS RACECL MORCARDB NBENE LNBENE CBENE RBENE NNET CNET RNET;
RUN;


data txla;
set file.strat1(keep=
rnetw3in netw3in sta freefile lwrfile cfrefile rfrefile nbene lnbene
cbene rbene asset income discdebt);
if sta='TX' or sta='LA';
proc sort; by sta rnetw3in; run;
proc means mean noprint;
by sta rnetw3in;
var freefile lwrfile cfrefile rfrefile netw3in discdebt;
output out=afile
mean= freefile lwrfile cfrefile rfrefile netw3in discdebt;
run;
proc univariate noprint data=txla;
by sta rnetw3in;
var nbene lnbene cbene rbene;
output out=abene
median= nbene lnbene cbene rbene;
run;

data adec1; merge afile abene; by sta rnetw3in; run;

data file.corrs; 
set file.strat1(keep= sta nbene rbene cbene x3004 x3005);
run;

PROC DATASETS;
DELETE txla afile abene;
RUN;

proc datasets library=file memtype=data;
delete strat1;
run;

**********************************************************************;
*****     This section calculates bankruptcy statistics under    *****;
*****         Strategy (V) and Strategy (V-A) assumptions        *****;
**********************************************************************;


DATA file.STRAT2;

SET   AL AR AZ CA CO CT DC FL GA IA IL KS KY LA MA MD MI
      MN MO MS NC ND NH NJ NY OH OK OR PA RI SC TN TX UT
      VA WA WI WV WY;


***** State Exemptions changes to account for strategic behavior;


IF STA='MO' THEN DO;
   XHOME= 8000;
END;

IF STA='NY' THEN DO;
   XPPROP=0;
END;


*Federal and CA System 2 Exemption for Homes;

IF STA='CA' OR FEDEX=1 THEN DO;

    HXLEFTF=0;

    IF EQHOME>0 AND XHOMEF>=EQHOME THEN DO;
       KEEPHOMF=1;
       DFHOMEF=0;
       CBHOMEF=0;
       HXLEFTF=XHOMEF-EQHOME;
    END;

    IF EQHOME>0 AND XHOMEF<EQHOME THEN DO;
       XHOMEF=XHOMEF+XWCARDF;
       IF XHOMEF>=EQHOME THEN DO;
          KEEPHOMF=1;
          DFHOMEF=0;
          CBHOMEF=0;
          XWCARDF=XHOMEF-EQHOME;
       END;
       IF XHOMEF<EQHOME THEN DO;
          KEEPHOMF=0;
          DFHOMEF=MORTETC;
          CBHOMEF=HOUSES-XHOMEF;
          XWCARDF=0;
       END;
    END; 

    IF EQHOME<=0 THEN DO;
       KEEPHOMF=0;
       DFHOMEF=MORTETC;
       CBHOMEF=HOUSES;   
       HXLEFTF=XHOMEF;
    END;
END;



*State homestead exemption;

    HXLEFT=0;

    IF EQHOME>0 AND XHOME>=EQHOME THEN DO;
       KEEPHOME=1;
       DFHOME=0;
       CBHOME=0;
       HXLEFT=XHOME-EQHOME;
    END;

    IF EQHOME>0 AND XHOME<EQHOME THEN DO;
       XHOME= XHOME+XWCARD;
       IF XHOME>=EQHOME THEN DO;
          KEEPHOME=1;
          DFHOME=0;
          CBHOME=0;
          XWCARD=XHOME-EQHOME;
       END;
       IF XHOME<EQHOME THEN DO;
          KEEPHOME=0;
          DFHOME=MORTETC;
          CBHOME=HOUSES-XHOME;
          XWCARD=0;
       END; 
    END;

    IF EQHOME<=0 THEN DO;
       KEEPHOME=0;
       DFHOME=MORTETC;
       CBHOME=HOUSES; 
       HXLEFT=XHOME;
    END;



*Federal and CA System 2 Vehicle Exemptions;

IF STA='CA' OR FEDEX=1 THEN DO;
IF X2202>=1 THEN DO;

IF EQCAR1>0 AND XCAR1F>=EQCAR1 THEN DO;
   KEEPCA1F=1;
   DFCAR1F=0;
   CBCAR1F=0;
   XCAR2F=XCAR1F-EQCAR1;
END;


IF EQCAR1>0 AND XCAR1F<EQCAR1 THEN DO;
   XCAR1F=XCAR1F+XWCARDF+XPPROPF;
   IF XCAR1F>=EQCAR1 THEN DO;
      KEEPCA1F=1;
      DFCAR1F=0;
      CBCAR1F=0;
      XPPROPF=XCAR1F-EQCAR1;
      XWCARDF=0;
      XCAR2F=0;
   END;
   IF XCAR1F<EQCAR1 THEN DO;
      KEEPCA1F=0;
      DFCAR1F=CAR1LOAN;
      CBCAR1F=X8166*(X2202>=1)-XCAR1F;
      XPPROPF=0;
      XWCARDF=0;
      XCAR2F=0;
    END;
END;

IF EQCAR1<=0 THEN DO;
   KEEPCA1F=0;
   DFCAR1F=CAR1LOAN;
   CBCAR1F=X8166*(X2202>=1);
   XCAR2F=XCAR1F;
END;
END;

*  Second car;

IF X2202>=2 THEN DO;

   IF EQCAR2>0 AND XCAR2F>=EQCAR2 THEN DO;
      KEEPCA2F=1;
      DFCAR2F=0;
      CBCAR2F=0;
      XCAR3F=XCAR2F-EQCAR2;
   END;

   IF EQCAR2>0 AND XCAR2F<EQCAR2 THEN DO;
      XCAR2F= XCAR2F + XWCARDF + XPPROPF;
      IF XCAR2F>=EQCAR2 THEN DO;
         KEEPCA2F=1;
         DFCAR2F=0;
         CBCAR2F=0;
         XWCARD=0;
         XPPROPF=XCAR2F-EQCAR2;
         XCAR3F=0;
      END;
      IF XCAR2F<EQCAR2 THEN DO;
         KEEPCA2F=0;
         DFCAR2F=CAR2LOAN;
         CBCAR2F=X8167*(X2202>=2)-XCAR2F;
         XWCARDF=0;
         XPPROPF=0;
         XCAR3F=0;
      END;
   END;

   IF EQCAR2<=0 THEN DO;
      KEEPCA2F=0;
      DFCAR2F=CAR2LOAN;
      CBCAR2F=X8167*(X2202>=2);
      XCAR3F=XCAR2F;
   END;
END;


*  Third car;

IF X2202>=3 THEN DO;

   IF EQCAR3>0 AND XCAR3F>=EQCAR3 THEN DO;
      KEEPCA3F=1;
      DFCAR3F=0;
      CBCAR3F=0;
      XOCARF=XCAR3F-EQCAR3;
   END;

   IF EQCAR3>0 AND XCAR3F<EQCAR3 THEN DO;
      XCAR3F= XCAR3F + XWCARDF +XPPROPF;
      IF XCAR3F>=EQCAR3 THEN DO;
         KEEPCA3F=1;
         DFCAR3F=0;
         CBCAR3F=0;
         XWCARD=0;
         XPPROPF=XCAR3F-EQCAR3;
         XOCARF=0;
      END;
      IF XCAR3F<EQCAR3 THEN DO;
         KEEPCA3F=0;
         DFCAR3F=CAR3LOAN;
         CBCAR3F=X8168*(X2202>=3)-XCAR3F;
         XWCARDF=0;
         XPPROPF=0;
         XOCARF=0;
      END;
   END;

   IF EQCAR3<=0 THEN DO;
      KEEPCA3F=0;
      DFCAR3F=CAR3LOAN;
      CBCAR3F=X8168*(X2202>=3);
      XOCARF=XCAR3F;
   END;
END;


*  Other cars;

IF X2202>=4 THEN DO;

   IF EQOCAR>0 AND XOCARF>=EQOCAR THEN DO;
      KEEPOCAF=1;
      DFOCARF=0;
      CBOCARF=0;
   END;

   IF EQOCAR>0 AND XOCARF<EQOCAR THEN DO;
      XOCARF= XOCARF + XWCARDF + XPPROPF;
      IF XOCARF>=EQOCAR THEN DO;
         KEEPOCAF=1;
         DFOCARF=0;
         CBOCARF=0;
         XWCARDF=0;
         XPPROPF=XOCARF-EQOCAR;
      END;
      IF XOCARF<EQOCAR THEN DO;
         KEEPOCAF=0;
         DFOCARF=OCARLOAN;
         CBOCARF=X2422-XOCARF;
         XWCARDF=0;
         XPPROPF=0;
      END;
   END;

   IF EQOCAR<=0 THEN DO;
      KEEPOCAF=0;
      DFOCARF=OCARLOAN;
      CBOCARF=X2422;
   END;
END;
END;



*State Vehicle Exemptions; 

IF X2202>=1 THEN DO;

   IF EQCAR1>0 AND XCAR1>=EQCAR1 THEN DO;
      KEEPCAR1=1;
      DFCAR1=0;
      CBCAR1=0;
      XCAR2=XCAR1-EQCAR1;
   END;

   IF EQCAR1>0 AND XCAR1<EQCAR1 THEN DO;
      XCAR1=XCAR1+XPPROP+XWCARD;
      IF XCAR1>=EQCAR1 THEN DO;
         KEEPCAR1=1;
         DFCAR1=0;
         CBCAR1=0;
         XPPROP=XCAR1-EQCAR1;
         XWCARD=0;
         XCAR2=0;
      END;
      IF XCAR1<EQCAR1 THEN DO;
         KEEPCAR1=0;
         DFCAR1=CAR1LOAN;
         CBCAR1=X8166*(X2202>=1)-XCAR1;
         XPPROP=0;
         XWCARD=0;
         XCAR2=0;
      END;
   END;

   IF EQCAR1<=0 THEN DO;
      KEEPCAR1=0;
      DFCAR1=CAR1LOAN;
      CBCAR1=X8166*(X2202>=1);
      XCAR2=XCAR1;
   END;
   END;


*  Second car;

IF STA='LA' OR STA='LO' THEN XCAR2=0;
IF (STA='TX' OR STA='TS') AND NODRIVRS<2 THEN XCAR2=0;

IF X2202>=2 THEN DO;

   IF EQCAR2>0 AND XCAR2>=EQCAR2 THEN DO;
      KEEPCAR2=1;
      DFCAR2=0;
      CBCAR2=0;
      XCAR3=XCAR2-EQCAR2;
   END;

   IF EQCAR2>0 AND XCAR2<EQCAR2 THEN DO;
      XCAR2= XCAR2 + XPPROP + XWCARD;
      IF XCAR2>=EQCAR2 THEN DO;
         KEEPCAR2=1;
         DFCAR2=0;
         CBCAR2=0;
         XPPROP=XCAR2-EQCAR2;
         XWCARD=0;
         XCAR3=0;
      END;
      IF XCAR2<EQCAR2 THEN DO;
         KEEPCAR2=0;
         DFCAR2=CAR2LOAN;
         CBCAR2=X8167*(X2202>=2)-XCAR2;
         XPPROP=0;
         XWCARD=0;
         XCAR3=0;
      END;
   END;

   IF EQCAR2<=0 THEN DO;
      KEEPCAR2=0;
      DFCAR2=CAR2LOAN;
      CBCAR2=X8167*(X2202>=2); 
      XCAR3=XCAR2;
   END;
END;


*  Third car;

IF STA='WA' THEN XCAR3=0;
IF (STA='TX' OR STA='TS') AND NODRIVRS<3 THEN XCAR3=0;

IF X2202>=3 THEN DO;

   IF EQCAR3>0 AND XCAR3>=EQCAR3 THEN DO;
      KEEPCAR3=1;
      DFCAR3=0;
      CBCAR3=0;
      XOCAR=XCAR3-EQCAR3;
   END;

   IF EQCAR3>0 AND XCAR3<EQCAR3 THEN DO;
      XCAR3= XCAR3 + XPPROP + XWCARD;
      IF XCAR3>=EQCAR3 THEN DO;
         KEEPCAR3=1;
         DFCAR3=0;
         CBCAR3=0;
         XPPROP=XCAR3-EQCAR3;
         XWCARD=0;
         XOCAR=0;
      END;
      IF XCAR3<EQCAR3 THEN DO;
         KEEPCAR3=0;
         DFCAR3=CAR3LOAN;
         CBCAR3=X8168*(X2202>=3)-XCAR3;
         XPPROP=0;
         XWCARD=0;
         XOCAR=0;
      END;
   END;

   IF EQCAR3<=0 THEN DO;
      KEEPCAR3=0;
      DFCAR3=CAR3LOAN;
      CBCAR3=X8168*(X2202>=3); 
      XOCAR=XCAR3;
   END;
END;


*  Other cars;

IF (STA='TX' OR STA='TS') AND NODRIVRS<4 THEN XOCAR=0;

IF X2202>=4 THEN DO;

   IF EQOCAR>0 AND XOCAR>=EQOCAR THEN DO;
      KEEPOCAR=1;
      DFOCAR=0;
      CBOCAR=0;
   END;

   IF EQOCAR>0 AND XOCAR<EQOCAR THEN DO;
      XOCAR= XOCAR + XPPROP + XWCARD;
      IF XOCAR>=EQOCAR THEN DO;
         KEEPOCAR=1;
         DFOCAR=0;
         CBOCAR=0;
         XPPROP=XOCAR-EQOCAR;
         XWCARD=0;
      END;
      IF XOCAR<EQOCAR THEN DO;
         KEEPOCAR=0;
         DFOCAR=OCARLOAN;
         CBOCAR=X2422-XOCAR;
         XPPROP=0;
         XWCARD=0;
      END;
   END;

   IF EQOCAR<=0 THEN DO;
      KEEPOCAR=0;
      DFOCAR=OCARLOAN;
      CBOCAR=X2422; 
   END;
END;



* Keogh/ IRA State Exemptions;

CBIRA=MAX(0,IRAKH-XIRA);


* Keogh/ IRA Federal and CA System 2 Exemptions;

IF STA='CA' OR FEDEX=1 THEN CBIRAF=MAX(0,IRAKH-XIRAF);


*Life Insurance State Exemptions;

IF LINS<=XLINS AND LINS>=0 THEN DO;
   CBLINS=0;
   DFLINS=0;
END;
IF LINS>XLINS OR LINS<0 THEN DO;
   CBLINS=CASHLI;
   DFLINS=X4010;
END;


*Life Insurance Federal Exemption;

IF STA='CA' OR FEDEX=1 THEN DO;
   IF LINS>=0 THEN DO;
      CBLINSF=0;
      DFLINSF=0;
   END;
   IF LINS<0 THEN DO;
      CBLINSF=CASHLI;
      DFLINSF=X4010;
   END;
END;


*Personal Property State Exemptions;

   XPPROP= XPPROP + XWCARD; 
   CBPPROP=MAX(0,PPROP-XPPROP-MAX(0,(XHOME-EQHOME)*(STA='GA' OR
           STA='VA' OR STA='WV'),MIN(XHOME-EQHOME,3500+3500*MARRIED)*
           (STA='NC'),MIN(3750+3750*MARRIED,XHOME-EQHOME)*(STA='FD')));

   IF (MORTETC-HOUSES)<=0 THEN DO;
      TKEEPHOM=KEEPHOME;
      TCBHOME=CBHOME;
      TDFHOME=DFHOME;
      UCBPPROP= MAX(0,PPROP+REALEST-XPPROP-MAX(XHOME-EQHOME,0));
   END;

   IF MORTETC-HOUSES>0 THEN DO;
      TKEEPHOM=1;
      TCBHOME=0;
      TDFHOME=0;
      UCBPPROP= MAX(0,PPROP+REALEST-XPPROP-XHOME-MORTETC+HOUSES);
   END;

   RSTRTNET= TDFHOME-TCBHOME-UCBPPROP-RCBOTHER;
   NONNET= DFHOME-CBHOME-CBPPROP-CBOTHER;

   IF RSTRTNET > NONNET THEN DO;
      RKEEPHOM=TKEEPHOM;
      RCBHOME=TCBHOME;
      RDFHOME=TDFHOME;
      RCBPPROP=UCBPPROP;
   END;

   IF RSTRTNET <= NONNET THEN DO;
      RKEEPHOM=KEEPHOME;
      RCBHOME=CBHOME;
      RDFHOME=DFHOME;
      RCBPPROP=CBPPROP+REALEST;
   END;



*Personal Property Federal and CA System 2 Exemptions;

IF STA='CA' OR FEDEX=1 THEN DO;
   XPPROPF=XPPROPF+XWCARDF;
   CBPPROPF=MAX(0,PPROP-XPPROPF-MAX(0,MIN(3750+3750*MARRIED,XHOMEF-EQHOME),
             (XHOMEF-EQHOME)*(STA='CA')));

   IF (MORTETC-HOUSES)<=0 THEN DO;
      TXPPROPF= XPPROPF + HXLEFTF;
      TKEEPHOF=KEEPHOMF;
      TCBHOMEF=CBHOMEF;
      TDFHOMEF=DFHOMEF;
      UCBPPROF= MAX(0,PPROP+REALEST-TXPPROPF);
   END;

   IF MORTETC-HOUSES > 0 THEN DO;
      TKEEPHOF=1;
      TCBHOMEF=0;
      TDFHOMEF=0;
      UCBPPROF= MAX(0,PPROP+REALEST-XPPROPF-XHOMEF-MORTETC+HOUSES);
   END;

   RSTRTNET= TDFHOMEF-TCBHOMEF-UCBPPROF-RCBOTHER;
   NONNET= DFHOMEF-CBHOMEF-CBPPROPF-CBOTHER;

   IF RSTRTNET > NONNET THEN DO;
      RKEEPHOF=TKEEPHOF;
      RCBHOMEF=TCBHOMEF;
      RDFHOMEF=TDFHOMEF;
      RCBPPROF=UCBPPROF;
   END;

   IF RSTRTNET <= NONNET THEN DO;
      RKEEPHOF=KEEPHOMF;
      RCBHOMEF=CBHOMEF;
      RDFHOMEF=DFHOMEF;
      RCBPPROF=CBPPROPF+REALEST;
   END;

END;



*****  Strategy(V) or Strat(VA)  *****;

SRUSEFED=0;

SRCBTOT=SUM(CBLINS,RCBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
           RCBHOME,RCBOTHER);
SRDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,RDFHOME,DFOTHER);

IF FEDEX=1 OR STA='CA' THEN DO;
   SRCBTOTF=SUM(CBLINSF,RCBPPROF,CBIRAF,CBCAR1F,CBCAR2F,
               CBCAR3F,CBOCARF,RCBHOMEF,RCBOTHER);
   SRDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,
               RDFHOMEF,DFOTHER);

   IF (SRDFTOT-SRCBTOT)<(SRDFTOTF-SRCBTOTF) THEN DO;
       SRUSEFED=1;
       SRDFTOT=SRDFTOTF;
       SRCBTOT=SRCBTOTF;
   END;
END;

IF SRCBTOT<SRDFTOT THEN SRFREFIL=1;
   ELSE SRFREFIL=0;
IF SRCBTOT<(SRDFTOT-350) THEN SRLWRFIL=1;
   ELSE SRLWRFIL=0;

IF SRFREFIL=1 THEN SRBENE=SRDFTOT-SRCBTOT;
   ELSE SRBENE=.;
IF SRLWRFIL=1 THEN LSRBENE=SRDFTOT-350-SRCBTOT;
   ELSE LSRBENE=.;

   SRNET= SRDFTOT - SRCBTOT;

IF SRFREFIL=1 THEN SRPCTPD= SRCBTOT/SRDFTOT;
IF SRFREFIL=0 THEN SRPCTPD= .;


*****  Strategy(V-B)  *****;

SCUSEFED=0;

SCCBTOT=SUM(CBLINS,RCBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
          RCBHOME,RCBOTHER);
SCDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,RDFHOME,DFOTHER,
          DFCREDIT);

IF FEDEX=1 OR STA='CA' THEN DO;
   SCCBTOTF=SUM(CBLINSF,RCBPPROF,CBIRAF,CBCAR1F,CBCAR2F,
              CBCAR3F,CBOCARF,RCBHOMEF,RCBOTHER);
   SCDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,RDFHOMEF,
                DFOTHER,DFCREDIT);

   IF (SCDFTOT-SCCBTOT)<(SCDFTOTF-SCCBTOTF) THEN DO;
       SCUSEFED=1;
       SCDFTOT=SCDFTOTF;
       SCCBTOT=SCCBTOTF;
   END;
END;

IF SCCBTOT<SCDFTOT THEN SCFREFIL=1;
   ELSE SCFREFIL=0;
IF SCCBTOT<(SCDFTOT-350) THEN SCLWRFIL=1;
   ELSE SCLWRFIL=0;

IF SCFREFIL=1 THEN SCBENE=SCDFTOT-SCCBTOT;
   ELSE SCBENE=.;
IF SCLWRFIL=1 THEN SLCBENE=SCDFTOT-350-SCCBTOT;
   ELSE SLCBENE=.;

   SCNET= SCDFTOT - SCCBTOT;

IF SCFREFIL=1 THEN SCPCTPD= SCCBTOT/SCDFTOT;
IF SCFREFIL=0 THEN SCPCTPD= .;


KEEP SRCBTOT SRDFTOT SRUSEFED SRFREFIL SRLWRFIL SRPCTPD SRBENE LSRBENE 
     SCCBTOT SCDFTOT SCUSEFED SCFREFIL SCLWRFIL SCPCTPD SCBENE SLCBENE
     Y1 STA WGT Rnetw3in SRNET SCNET;
RUN;

PROC SORT; BY STA; RUN;

PROC UNIVARIATE NOPRINT;
VAR SRBENE SCBENE;
BY STA;
WEIGHT WGT;
OUTPUT OUT=BENE2
MEDIAN= dSRBENE dSCBENE;
RUN;

PROC MEANS MEAN NOPRINT DATA=file.STRAT2;
VAR SRUSEFED SRFREFIL SRLWRFIL SRPCTPD SRBENE SRNET
    SCUSEFED SCFREFIL SCLWRFIL SCPCTPD SCBENE SCNET;
WEIGHT WGT;
BY STA;
OUTPUT OUT=SMEANS2
MEAN= SRUSEFED SRFREFIL SRLWRFIL SRPCTPD SRBENE SRNET
    SCUSEFED SCFREFIL SCLWRFIL SCPCTPD SCBENE SCNET;
RUN;


data txla; 
set file.strat2(keep=
rnetw3in sta srfrefil srbene scfrefil scbene);
if sta='TX' or sta='LA';
proc sort; by sta rnetw3in; run;
proc means mean noprint;
by sta rnetw3in;
var srfrefil scfrefil;
output out=afile
mean= srfrefil scfrefil;
run;
proc univariate noprint data=txla;
by sta rnetw3in;
var srbene scbene;
output out=abene
median=srbene scbene;
run;

data adec2; merge afile abene; by sta rnetw3in; run;

proc datasets;
delete txla afile abene;
run;
PROC DATASETS library=file memtype=data;
DELETE STRAT2;
RUN;

**********************************************************************;
******  This section computes bankruptcy stats for all reforms  ******;
**********************************************************************;

DATA file.REFORM;
SET   AL AR AZ CA CO CT DC FL GA IA IL KS KY LA MA MD MI
      MN MO MS NC ND NH NJ NY OH OK OR PA RI SC TN TX UT
      VA WA WI WV WY;



* Federal Exemptions doubled;

IF FEDEX=1 THEN DO;

     XHOMEF= 15000+15000*MARRIED;
     XWCARDF= 800+800*MARRIED;
     XIRAF= 99999999;
     XLINSF= 99999999;
     XPPROPF= 0;
     XCAR1F= 2400+2400*MARRIED;
     XWAGE= 0;
END;


*Federal and CA System 2 Exemption for Homes;

IF STA='CA' OR FEDEX=1 THEN DO;

    HXLEFTF=0;

    IF EQHOME>0 AND XHOMEF>=EQHOME THEN DO;
       KEEPHOMF=1;
       DFHOMEF=0;
       CBHOMEF=0;
       HXLEFTF=MIN(XHOMEF-EQHOME,MORTETC);
    END;

    IF EQHOME>0 AND XHOMEF<EQHOME THEN DO;
       XHOMEF=XHOMEF+XWCARDF;
       IF XHOMEF>=EQHOME THEN DO;
          KEEPHOMF=1;
          DFHOMEF=0;
          CBHOMEF=0;
          XWCARDF=XHOMEF-EQHOME;
       END;
       IF XHOMEF<EQHOME THEN DO;
          KEEPHOMF=0;
          DFHOMEF=MORTETC;
          CBHOMEF=HOUSES-XHOMEF;
          XWCARDF=0;
       END;
    END; 

    IF EQHOME<=0 THEN DO;
       KEEPHOMF=0;
       DFHOMEF=MORTETC;
       CBHOMEF=HOUSES;   
       HXLEFTF=MIN(XHOMEF,MORTETC);
    END;
END;



*  State Homestead Exemption;

    HXLEFT=0;

    IF EQHOME>0 AND XHOME>=EQHOME THEN DO;
       KEEPHOME=1;
       DFHOME=0;
       CBHOME=0;
       HXLEFT=MIN(XHOME-EQHOME,MORTETC);
    END;

    IF EQHOME>0 AND XHOME<EQHOME THEN DO;
       XHOME= XHOME+XWCARD;
       IF XHOME>=EQHOME THEN DO;
          KEEPHOME=1;
          DFHOME=0;
          CBHOME=0;
          XWCARD=XHOME-EQHOME;
       END;
       IF XHOME<EQHOME THEN DO;
          KEEPHOME=0;
          DFHOME=MORTETC;
          CBHOME=HOUSES-XHOME;
          XWCARD=0;
       END; 
    END;

    IF EQHOME<=0 THEN DO;
       KEEPHOME=0;
       DFHOME=MORTETC;
       CBHOME=HOUSES; 
       HXLEFT=MIN(XHOME,MORTETC);
    END;



*Federal and CA System 2 Vehicle Exemptions;

IF STA='CA' OR FEDEX=1 THEN DO;
IF X2202>=1 THEN DO;

IF EQCAR1>0 AND XCAR1F>=EQCAR1 THEN DO;
   KEEPCA1F=1;
   DFCAR1F=0;
   CBCAR1F=0;
   XCAR2F=XCAR1F-EQCAR1;
END;


IF EQCAR1>0 AND XCAR1F<EQCAR1 THEN DO;
   XCAR1F=XCAR1F+XWCARDF+XPPROPF;
   IF XCAR1F>=EQCAR1 THEN DO;
      KEEPCA1F=1;
      DFCAR1F=0;
      CBCAR1F=0;
      XPPROPF=XCAR1F-EQCAR1;
      XWCARDF=0;
      XCAR2F=0;
   END;
   IF XCAR1F<EQCAR1 THEN DO;
      KEEPCA1F=0;
      DFCAR1F=CAR1LOAN;
      CBCAR1F=X8166*(X2202>=1)-XCAR1F;
      XPPROPF=0;
      XWCARDF=0;
      XCAR2F=0;
    END;
END;

IF EQCAR1<=0 THEN DO;
   KEEPCA1F=0;
   DFCAR1F=CAR1LOAN;
   CBCAR1F=X8166*(X2202>=1);
   XCAR2F=XCAR1F;
END;
END;

*  Second car;

IF X2202>=2 THEN DO;

   IF EQCAR2>0 AND XCAR2F>=EQCAR2 THEN DO;
      KEEPCA2F=1;
      DFCAR2F=0;
      CBCAR2F=0;
      XCAR3F=XCAR2F-EQCAR2;
   END;

   IF EQCAR2>0 AND XCAR2F<EQCAR2 THEN DO;
      XCAR2F= XCAR2F + XWCARDF + XPPROPF;
      IF XCAR2F>=EQCAR2 THEN DO;
         KEEPCA2F=1;
         DFCAR2F=0;
         CBCAR2F=0;
         XWCARD=0;
         XPPROPF=XCAR2F-EQCAR2;
         XCAR3F=0;
      END;
      IF XCAR2F<EQCAR2 THEN DO;
         KEEPCA2F=0;
         DFCAR2F=CAR2LOAN;
         CBCAR2F=X8167*(X2202>=2)-XCAR2F;
         XWCARDF=0;
         XPPROPF=0;
         XCAR3F=0;
      END;
   END;

   IF EQCAR2<=0 THEN DO;
      KEEPCA2F=0;
      DFCAR2F=CAR2LOAN;
      CBCAR2F=X8167*(X2202>=2);
      XCAR3F=XCAR2F;
   END;
END;


*  Third car;

IF X2202>=3 THEN DO;

   IF EQCAR3>0 AND XCAR3F>=EQCAR3 THEN DO;
      KEEPCA3F=1;
      DFCAR3F=0;
      CBCAR3F=0;
      XOCARF=XCAR3F-EQCAR3;
   END;

   IF EQCAR3>0 AND XCAR3F<EQCAR3 THEN DO;
      XCAR3F= XCAR3F + XWCARDF +XPPROPF;
      IF XCAR3F>=EQCAR3 THEN DO;
         KEEPCA3F=1;
         DFCAR3F=0;
         CBCAR3F=0;
         XWCARD=0;
         XPPROPF=XCAR3F-EQCAR3;
         XOCARF=0;
      END;
      IF XCAR3F<EQCAR3 THEN DO;
         KEEPCA3F=0;
         DFCAR3F=CAR3LOAN;
         CBCAR3F=X8168*(X2202>=3)-XCAR3F;
         XWCARDF=0;
         XPPROPF=0;
         XOCARF=0;
      END;
   END;

   IF EQCAR3<=0 THEN DO;
      KEEPCA3F=0;
      DFCAR3F=CAR3LOAN;
      CBCAR3F=X8168*(X2202>=3);
      XOCARF=XCAR3F;
   END;
END;


*  Other cars;

IF X2202>=4 THEN DO;

   IF EQOCAR>0 AND XOCARF>=EQOCAR THEN DO;
      KEEPOCAF=1;
      DFOCARF=0;
      CBOCARF=0;
   END;

   IF EQOCAR>0 AND XOCARF<EQOCAR THEN DO;
      XOCARF= XOCARF + XWCARDF + XPPROPF;
      IF XOCARF>=EQOCAR THEN DO;
         KEEPOCAF=1;
         DFOCARF=0;
         CBOCARF=0;
         XWCARDF=0;
         XPPROPF=XOCARF-EQOCAR;
      END;
      IF XOCARF<EQOCAR THEN DO;
         KEEPOCAF=0;
         DFOCARF=OCARLOAN;
         CBOCARF=X2422-XOCARF;
         XWCARDF=0;
         XPPROPF=0;
      END;
   END;

   IF EQOCAR<=0 THEN DO;
      KEEPOCAF=0;
      DFOCARF=OCARLOAN;
      CBOCARF=X2422;
   END;
END;
END;

*State Vehicle Exemptions; 

IF X2202>=1 THEN DO;

   IF EQCAR1>0 AND XCAR1>=EQCAR1 THEN DO;
      KEEPCAR1=1;
      DFCAR1=0;
      CBCAR1=0;
      XCAR2=XCAR1-EQCAR1;
   END;

   IF EQCAR1>0 AND XCAR1<EQCAR1 THEN DO;
      XCAR1=XCAR1+XPPROP+XWCARD;
      IF XCAR1>=EQCAR1 THEN DO;
         KEEPCAR1=1;
         DFCAR1=0;
         CBCAR1=0;
         XPPROP=XCAR1-EQCAR1;
         XWCARD=0;
         XCAR2=0;
      END;
      IF XCAR1<EQCAR1 THEN DO;
         KEEPCAR1=0;
         DFCAR1=CAR1LOAN;
         CBCAR1=X8166*(X2202>=1)-XCAR1;
         XPPROP=0;
         XWCARD=0;
         XCAR2=0;
      END;
   END;

   IF EQCAR1<=0 THEN DO;
      KEEPCAR1=0;
      DFCAR1=CAR1LOAN;
      CBCAR1=X8166*(X2202>=1);
      XCAR2=XCAR1;
   END;
   END;


*  Second car;

IF STA='LA' OR STA='LO' THEN XCAR2=0;
IF (STA='TX' OR STA='TS') AND NODRIVRS<2 THEN XCAR2=0;

IF X2202>=2 THEN DO;

   IF EQCAR2>0 AND XCAR2>=EQCAR2 THEN DO;
      KEEPCAR2=1;
      DFCAR2=0;
      CBCAR2=0;
      XCAR3=XCAR2-EQCAR2;
   END;

   IF EQCAR2>0 AND XCAR2<EQCAR2 THEN DO;
      XCAR2= XCAR2 + XPPROP + XWCARD;
      IF XCAR2>=EQCAR2 THEN DO;
         KEEPCAR2=1;
         DFCAR2=0;
         CBCAR2=0;
         XPPROP=XCAR2-EQCAR2;
         XWCARD=0;
         XCAR3=0;
      END;
      IF XCAR2<EQCAR2 THEN DO;
         KEEPCAR2=0;
         DFCAR2=CAR2LOAN;
         CBCAR2=X8167*(X2202>=2)-XCAR2;
         XPPROP=0;
         XWCARD=0;
         XCAR3=0;
      END;
   END;

   IF EQCAR2<=0 THEN DO;
      KEEPCAR2=0;
      DFCAR2=CAR2LOAN;
      CBCAR2=X8167*(X2202>=2); 
      XCAR3=XCAR2;
   END;
END;


*  Third car;

IF STA='WA' THEN XCAR3=0;
IF (STA='TX' OR STA='TS') AND NODRIVRS<3 THEN XCAR3=0;

IF X2202>=3 THEN DO;

   IF EQCAR3>0 AND XCAR3>=EQCAR3 THEN DO;
      KEEPCAR3=1;
      DFCAR3=0;
      CBCAR3=0;
      XOCAR=XCAR3-EQCAR3;
   END;

   IF EQCAR3>0 AND XCAR3<EQCAR3 THEN DO;
      XCAR3= XCAR3 + XPPROP + XWCARD;
      IF XCAR3>=EQCAR3 THEN DO;
         KEEPCAR3=1;
         DFCAR3=0;
         CBCAR3=0;
         XPPROP=XCAR3-EQCAR3;
         XWCARD=0;
         XOCAR=0;
      END;
      IF XCAR3<EQCAR3 THEN DO;
         KEEPCAR3=0;
         DFCAR3=CAR3LOAN;
         CBCAR3=X8168*(X2202>=3)-XCAR3;
         XPPROP=0;
         XWCARD=0;
         XOCAR=0;
      END;
   END;

   IF EQCAR3<=0 THEN DO;
      KEEPCAR3=0;
      DFCAR3=CAR3LOAN;
      CBCAR3=X8168*(X2202>=3); 
      XOCAR=XCAR3;
   END;
END;


*  Other cars;

IF (STA='TX' OR STA='TS') AND NODRIVRS<4 THEN XOCAR=0;

IF X2202>=4 THEN DO;

   IF EQOCAR>0 AND XOCAR>=EQOCAR THEN DO;
      KEEPOCAR=1;
      DFOCAR=0;
      CBOCAR=0;
   END;

   IF EQOCAR>0 AND XOCAR<EQOCAR THEN DO;
      XOCAR= XOCAR + XPPROP + XWCARD;
      IF XOCAR>=EQOCAR THEN DO;
         KEEPOCAR=1;
         DFOCAR=0;
         CBOCAR=0;
         XPPROP=XOCAR-EQOCAR;
         XWCARD=0;
      END;
      IF XOCAR<EQOCAR THEN DO;
         KEEPOCAR=0;
         DFOCAR=OCARLOAN;
         CBOCAR=X2422-XOCAR;
         XPPROP=0;
         XWCARD=0;
      END;
   END;

   IF EQOCAR<=0 THEN DO;
      KEEPOCAR=0;
      DFOCAR=OCARLOAN;
      CBOCAR=X2422; 
   END;
END;




* Keogh/ IRA State Exemptions;

CBIRA=MAX(0,IRAKH-XIRA);


* Keogh/ IRA Federal and CA System 2 Exemptions;

IF STA='CA' OR FEDEX=1 THEN CBIRAF=MAX(0,IRAKH-XIRAF);


*Life Insurance State Exemptions;

IF LINS<=XLINS AND LINS>=0 THEN DO;
   CBLINS=0;
   DFLINS=0;
END;
IF LINS>XLINS OR LINS<0 THEN DO;
   CBLINS=CASHLI;
   DFLINS=X4010;
END;


*Life Insurance Federal Exemption;

IF STA='CA' OR FEDEX=1 THEN DO;
   IF LINS>=0 THEN DO;
      CBLINSF=0;
      DFLINSF=0;
   END;
   IF LINS<0 THEN DO;
      CBLINSF=CASHLI;
      DFLINSF=X4010;
   END;
END;


*Personal Property State Exemptions;

   XPPROP= XPPROP + XWCARD; 
   CBPPROP=MAX(0,PPROP-XPPROP-MAX(0,(XHOME-EQHOME)*(STA='GA' OR
               STA='VA' OR STA='WV'),MIN(XHOME-EQHOME,3500+3500*MARRIED)*
               (STA='NC'),MIN(7500+7500*MARRIED,XHOME-EQHOME)*(STA='FD')));

   IF (MORTETC-HOUSES)<=0 THEN DO;
      TXPPROP= XPPROP + HXLEFT;
      TKEEPHOM=KEEPHOME;
      TCBHOME=CBHOME;
      TDFHOME=DFHOME;
      TCBPPROP= MAX(0,PPROP-TXPPROP);
      UCBPPROP= MAX(0,PPROP+REALEST-TXPPROP);
   END;

   IF MORTETC-HOUSES>0 THEN DO;
      TKEEPHOM=1;
      TCBHOME=0;
      TDFHOME=0;
      TCBPPROP= MAX(0,PPROP-XPPROP-MIN(MORTETC,XHOME+MORTETC-HOUSES));
      UCBPPROP= MAX(0,PPROP+REALEST-XPPROP-MIN(MORTETC,XHOME+MORTETC-HOUSES));
   END;

   STRATNET= TDFHOME-TCBHOME-TCBPPROP-CBOTHER;
   RSTRTNET= TDFHOME-TCBHOME-UCBPPROP-RCBOTHER;
   NONNET= DFHOME-CBHOME-CBPPROP-CBOTHER;

   IF STRATNET > NONNET THEN DO;
      SKEEPHOM=TKEEPHOM;
      SCBHOME=TCBHOME;
      SDFHOME=TDFHOME;
      SCBPPROP=TCBPPROP;
   END;

   IF RSTRTNET > NONNET THEN DO;
      RKEEPHOM=TKEEPHOM;
      RCBHOME=TCBHOME;
      RDFHOME=TDFHOME;
      RCBPPROP=UCBPPROP;
   END;

   IF STRATNET <= NONNET THEN DO;
      SKEEPHOM=KEEPHOME;
      SCBHOME=CBHOME;
      SDFHOME=DFHOME;
      SCBPPROP=CBPPROP;
   END;

   IF RSTRTNET <= NONNET THEN DO;
      RKEEPHOM=KEEPHOME;
      RCBHOME=CBHOME;
      RDFHOME=DFHOME;
      RCBPPROP=CBPPROP+REALEST;
   END;



*Personal Property Federal and CA System 2 Exemptions;
*(Federal amt doubled);

IF STA='CA' OR FEDEX=1 THEN DO;
   XPPROPF=XPPROPF+XWCARDF;
   CBPPROPF=MAX(0,PPROP-XPPROPF-MAX(0,MIN(7500+7500*MARRIED,XHOMEF-EQHOME),
             (XHOMEF-EQHOME)*(STA='CA')));

   IF (MORTETC-HOUSES)<=0 THEN DO;
      TXPPROPF= XPPROPF + HXLEFTF;
      TKEEPHOF=KEEPHOMF;
      TCBHOMEF=CBHOMEF;
      TDFHOMEF=DFHOMEF;
      TCBPPROF= MAX(0,PPROP-TXPPROPF);
      UCBPPROF= MAX(0,PPROP+REALEST-TXPPROPF);
   END;

   IF MORTETC-HOUSES > 0 THEN DO;
      TKEEPHOF=1;
      TCBHOMEF=0;
      TDFHOMEF=0;
      TCBPPROF= MAX(0,PPROP-XPPROPF-MIN(MORTETC,XHOMEF+MORTETC-HOUSES));
      UCBPPROF= MAX(0,PPROP+REALEST-XPPROPF-MIN(MORTETC,
                XHOMEF+MORTETC-HOUSES));
   END;

   STRATNET= TDFHOME-TCBHOME-TCBPPROP-CBOTHER;
   RSTRTNET= TDFHOME-TCBHOME-UCBPPROP-RCBOTHER;
   NONNET= DFHOMEF-CBHOMEF-CBPPROPF-CBOTHER;

   IF STRATNET > NONNET THEN DO;
      SKEEPHOF=TKEEPHOF;
      SCBHOMEF=TCBHOMEF;
      SDFHOMEF=TDFHOMEF;
      SCBPPROF=TCBPPROF;
   END;

   IF RSTRTNET > NONNET THEN DO;
      RKEEPHOF=TKEEPHOF;
      RCBHOMEF=TCBHOMEF;
      RDFHOMEF=TDFHOMEF;
      RCBPPROF=UCBPPROF;
   END;      

   IF STRATNET <= NONNET THEN DO;
      SKEEPHOF=KEEPHOMF;
      SCBHOMEF=CBHOMEF;
      SDFHOMEF=DFHOMEF;
      SCBPPROF=CBPPROPF;
   END;

   IF RSTRTNET <= NONNET THEN DO;
      RKEEPHOF=KEEPHOMF;
      RCBHOMEF=CBHOMEF;
      RDFHOMEF=DFHOMEF;
      RCBPPROF=CBPPROPF+REALEST;
   END;

END;


*****  Non-Strategic  *****;

DUSEFED=0;

DCBTOT=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
          CBHOME,CBOTHER);
DDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER);

IF FEDEX=1 OR STA='CA' THEN DO;
   DCBTOTF=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,
              CBCAR3F,CBOCARF,CBHOMEF,CBOTHER);
   DDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER);

   IF (DDFTOT-DCBTOT)<(DDFTOTF-DCBTOTF) THEN DO;
       DUSEFED=1;
       DDFTOT=DDFTOTF;
       DCBTOT=DCBTOTF;
   END;
END;

IF DCBTOT<DDFTOT THEN DFREFILE=1;
   ELSE DFREFILE=0;
IF DCBTOT<(DDFTOT-350) THEN DLWRFILE=1;
   ELSE DLWRFILE=0;

IF DFREFILE=1 THEN DBENE=DDFTOT-DCBTOT;
   ELSE DBENE=.;
IF DLWRFILE=1 THEN LDBENE=DDFTOT-350-DCBTOT;
   ELSE LDBENE=.;

   DNET= DDFTOT - DCBTOT;

IF DFREFILE=1 THEN DPCTPD= DCBTOT/DDFTOT;
IF DFREFILE=0 THEN DPCTPD= .;


*****  Strat(XIII)  *****;

DCUSEFED=0;

DCCBTOT=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
          CBHOME,CBOTHER);
DCDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER,
          DFCREDIT);

IF FEDEX=1 OR STA='CA' THEN DO;
   DCCBTOTF=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,
              CBCAR3F,CBOCARF,CBHOMEF,CBOTHER);
   DCDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER,
              DFCREDIT);

   IF (DCDFTOT-DCCBTOT)<(DCDFTOTF-DCCBTOTF) THEN DO;
       DCUSEFED=1;
       DCDFTOT=DCDFTOTF;
       DCCBTOT=DCCBTOTF;
   END;
END;

IF DCCBTOT<DCDFTOT THEN DCFREFIL=1;
   ELSE DCFREFIL=0;
IF DCCBTOT<(DCDFTOT-350) THEN DCLWRFIL=1;
   ELSE DCLWRFIL=0;

IF DCFREFIL=1 THEN FDCBENE=DCDFTOT-DCCBTOT;
   ELSE FDCBENE=.;
IF DCLWRFIL=1 THEN FDLCBENE=DCDFTOT-350-DCCBTOT;
   ELSE FDLCBENE=.;

   DCNET = DCDFTOT - DCCBTOT;

IF DCFREFIL=1 THEN DCPCTPD= DCCBTOT/DCDFTOT;
IF DCFREFIL=0 THEN DCPCTPD= .;



*****  Strat(XIV)  *****;

DRUSEFED=0;

DRCBTOT=SUM(CBLINS,RCBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
           RCBHOME,RCBOTHER);
DRDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,RDFHOME,DFOTHER);


IF FEDEX=1 OR STA='CA' THEN DO;
   DRCBTOTF=SUM(CBLINSF,RCBPPROF,CBIRAF,CBCAR1F,CBCAR2F,
               CBCAR3F,CBOCARF,RCBHOMEF,RCBOTHER);
   DRDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,
               RDFHOMEF,DFOTHER);

   IF (DRDFTOT-DRCBTOT)<(DRDFTOTF-DRCBTOTF) THEN DO;
       DRUSEFED=1;
       DRDFTOT=DRDFTOTF;
       DRCBTOT=DRCBTOTF;
   END;
END;

IF DRCBTOT<DRDFTOT THEN DRFREFIL=1;
   ELSE DRFREFIL=0;
IF DRCBTOT<(DRDFTOT-350) THEN DRLWRFIL=1;
   ELSE DRLWRFIL=0;

IF DRFREFIL=1 THEN FDRBENE=DRDFTOT-DRCBTOT;
   ELSE FDRBENE=.;
IF DRLWRFIL=1 THEN FDLRBENE=DRDFTOT-350-DRCBTOT;
   ELSE FDLRBENE=.;

   DRNET = DRDFTOT - DRCBTOT;

IF DRFREFIL=1 THEN DRPCTPD= DRCBTOT/DRDFTOT;
IF DRFREFIL=0 THEN DRPCTPD= .;



*****  Reform (VII)  *****;

WUSEFED=0;

WAGEGARN=MAX(0,MIN(0.60*WAGE,3*(WAGE-7500)));

WDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER);

WCB=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
        CBHOME,CBOTHER);
WCBTOT=SUM(WCB,MAX(0,MIN(WAGEGARN,WDFTOT-WCB)));

IF FEDEX=1 OR STA='CA' THEN DO;
   WDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER);

   WCBF=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,CBCAR3F,
            CBOCARF,CBHOMEF,CBOTHER);
   WCBTOTF=SUM(WCBF,MAX(0,MIN(WAGEGARN,WDFTOTF-WCBF)));

   IF (WDFTOT-WCBTOT)<(WDFTOTF-WCBTOTF) THEN DO;
       WUSEFED=1;
       WDFTOT=WDFTOTF;
       WCBTOT=WCBTOTF;
   END;
END;

IF WCBTOT<WDFTOT THEN WFREFILE=1;
   ELSE WFREFILE=0;
IF WCBTOT<(WDFTOT-350) THEN WLWRFILE=1;
   ELSE WLWRFILE=0;

IF WFREFILE=1 THEN WBENE= WDFTOT-WCBTOT;
   ELSE WBENE=.;
IF WLWRFILE=1 THEN LWBENE= WDFTOT-350-WCBTOT;
   ELSE LWBENE=.;

   WNET = WDFTOT - WCBTOT;

IF WFREFILE=1 THEN WPCTPD= WCBTOT/WDFTOT;
IF WFREFILE=0 THEN WPCTPD= .;



*****  Reform (VIII)  *****;

WUSEFED2=0;

WAGEGRN2=MAX(0,MIN(0.30*WAGE,3*(WAGE-7500)));

WDFTOT2=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER);

WCB2=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
         CBHOME,CBOTHER);
WCBTOT2=SUM(WCB2,MAX(0,MIN(WAGEGRN2,WDFTOT2-WCB2)));

IF FEDEX=1 OR STA='CA' THEN DO;
   WDFTOTF2=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER);

   WCBF2=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,CBCAR3F,CBOCARF,
             CBHOMEF,CBOTHER);
   WCBTOTF2=SUM(WCBF2,MAX(0,MIN(WAGEGRN2,WDFTOTF2-WCBF2)));

   IF (WDFTOT2-WCBTOT2)<(WDFTOTF2-WCBTOTF2) THEN DO;
       WUSEFED2=1;
       WDFTOT2=WDFTOTF2;
       WCBTOT2=WCBTOTF2;
   END;
END;

IF WCBTOT2<WDFTOT2 THEN WFREFIL2=1;
   ELSE WFREFIL2=0;
IF WCBTOT2<(WDFTOT2-350) THEN WLWRFIL2=1;
   ELSE WLWRFIL2=0;

IF WFREFIL2=1 THEN WBENE2= WDFTOT2-WCBTOT2;
   ELSE WBENE2=.;
IF WLWRFIL2=1 THEN LWBENE2= WDFTOT2-350-WCBTOT2;
   ELSE LWBENE2=.;

   WNET2 = WDFTOT2 - WCBTOT2;

IF WFREFIL2=1 THEN WPCTPD2= WCBTOT2/WDFTOT2;
IF WFREFIL2=0 THEN WPCTPD2= .;



*****  Reform(IX)  *****;

CWUSEFED=0;

CWDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER,
            DFCREDIT);

CWCB=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
         CBHOME,CBOTHER);
CWCBTOT=SUM(CWCB,MAX(0,MIN(WAGEGARN,CWDFTOT-CWCB)));

IF FEDEX=1 OR STA='CA' THEN DO;
   CWDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER,
              DFCREDIT);

   CWCBF=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,CBCAR3F,
            CBOCARF,CBHOMEF,CBOTHER);
   CWCBTOTF=SUM(CWCBF,MAX(0,MIN(WAGEGARN,CWDFTOTF-CWCBF)));

   IF (CWDFTOT-CWCBTOT)<(CWDFTOTF-CWCBTOTF) THEN DO;
       CWUSEFED=1;
       CWDFTOT=CWDFTOTF;
       CWCBTOT=CWCBTOTF;
   END;
END;

IF CWCBTOT<CWDFTOT THEN CWFREFIL=1;
   ELSE CWFREFIL=0;
IF CWCBTOT<(CWDFTOT-350) THEN CWLWRFIL=1;
   ELSE CWLWRFIL=0;

IF CWFREFIL=1 THEN CWBENE= CWDFTOT-CWCBTOT;
   ELSE CWBENE=.;
IF CWLWRFIL=1 THEN LCWBENE= CWDFTOT-350-CWCBTOT;
   ELSE LCWBENE=.;

   CWNET= CWDFTOT - CWCBTOT;

IF CWFREFIL=1 THEN CWPCTPD= CWCBTOT/CWDFTOT;
IF CWFREFIL=0 THEN CWPCTPD= .;



*****  Reform (X)  *****;

CWUSEFD2=0;

CWDFTOT2=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,DFHOME,DFOTHER,
            DFCREDIT);

CWCB2=SUM(CBLINS,CBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
          CBHOME,CBOTHER);
CWCBTOT2=SUM(CWCB2,MAX(0,MIN(WAGEGRN2,CWDFTOT2-CWCB2)));

IF FEDEX=1 OR STA='CA' THEN DO;
   CWDFTOF2=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,DFHOMEF,DFOTHER,
                DFCREDIT);

   CWCBF2=SUM(CBLINSF,CBPPROPF,CBIRAF,CBCAR1F,CBCAR2F,CBCAR3F,CBOCARF,
              CBHOMEF,CBOTHER);
   CWCBTOF2=SUM(CWCBF2,MAX(0,MIN(WAGEGRN2,CWDFTOF2-CWCBF2)));

   IF (CWDFTOT2-CWCBTOT2)<(CWDFTOF2-CWCBTOF2) THEN DO;
       CWUSEFD2=1;
       CWDFTOT2=CWDFTOF2;
       CWCBTOT2=CWCBTOF2;
   END;
END;

IF CWCBTOT2<CWDFTOT2 THEN CWFREFI2=1;
   ELSE CWFREFI2=0;
IF CWCBTOT2<(CWDFTOT2-350) THEN CWLWRFI2=1;
   ELSE CWLWRFI2=0;

IF CWFREFI2=1 THEN CWBENE2= CWDFTOT2-CWCBTOT2;
   ELSE CWBENE2=.;
IF CWLWRFI2=1 THEN LCWBENE2= CWDFTOT2-350-CWCBTOT2;
   ELSE LCWBENE2=.;

   CWNET2 = CWDFTOT2 - CWCBTOT2;

IF CWFREFI2=1 THEN CWPCTPD2= CWCBTOT2/CWDFTOT2;
IF CWFREFI2=0 THEN CWPCTPD2= .;



*****  Reform (XI)  *****;

RWUSEFED=0;

RWDFTOT=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,RDFHOME,DFOTHER);

RWCB=SUM(CBLINS,RCBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
         RCBHOME,RCBOTHER);
RWCBTOT=SUM(RWCB,MAX(0,MIN(WAGEGARN,RWDFTOT-RWCB)));

IF FEDEX=1 OR STA='CA' THEN DO;
   RWDFTOTF=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,
                RDFHOMEF,DFOTHER);
   
   RWCBF=SUM(CBLINSF,RCBPPROF,CBIRAF,CBCAR1F,CBCAR2F,
               CBCAR3F,CBOCARF,RCBHOMEF,RCBOTHER);
   RWCBTOTF=SUM(RWCBF,MAX(0,MIN(WAGEGARN,RWDFTOTF-RWCBF)));

   IF (RWDFTOT-RWCBTOT)<(RWDFTOTF-RWCBTOTF) THEN DO;
       RWUSEFED=1;
       RWDFTOT=RWDFTOTF;
       RWCBTOT=RWCBTOTF;
   END;
END;

IF RWCBTOT<RWDFTOT THEN RWFREFIL=1;
   ELSE RWFREFIL=0;
IF RWCBTOT<(RWDFTOT-350) THEN RWLWRFIL=1;
   ELSE RWLWRFIL=0;

IF RWFREFIL=1 THEN RWBENE= RWDFTOT-RWCBTOT;
   ELSE RWBENE=.;
IF RWLWRFIL=1 THEN LRWBENE= RWDFTOT-350-RWCBTOT;
   ELSE LRWBENE=.;

   RWNET = RWDFTOT - RWCBTOT;

IF RWFREFIL=1 THEN RWPCTPD= RWCBTOT/RWDFTOT;
IF RWFREFIL=0 THEN RWPCTPD= .;



*****  Reform (XII)  *****;

RWUSEFD2=0;

RWDFTOT2=SUM(DFLINS,DFCAR1,DFCAR2,DFCAR3,DFOCAR,RDFHOME,DFOTHER);

RWCB2=SUM(CBLINS,RCBPPROP,CBIRA,CBCAR1,CBCAR2,CBCAR3,CBOCAR,
         RCBHOME,RCBOTHER);
RWCBTOT2=SUM(RWCB,MAX(0,MIN(WAGEGRN2,RWDFTOT2-RWCB2)));

IF FEDEX=1 OR STA='CA' THEN DO;
   RWDFTOF2=SUM(DFLINSF,DFCAR1F,DFCAR2F,DFCAR3F,DFOCARF,
                RDFHOMEF,DFOTHER);
   
   RWCBF2=SUM(CBLINSF,RCBPPROF,CBIRAF,CBCAR1F,CBCAR2F,
               CBCAR3F,CBOCARF,RCBHOMEF,RCBOTHER);
   RWCBTOF2=SUM(RWCBF2,MAX(0,MIN(WAGEGRN2,RWDFTOF2-RWCBF2)));

   IF (RWDFTOT2-RWCBTOT2)<(RWDFTOF2-RWCBTOF2) THEN DO;
       RWUSEFD2=1;
       RWDFTOT2=RWDFTOF2;
       RWCBTOT2=RWCBTOF2;
   END;
END;

IF RWCBTOT2<RWDFTOT2 THEN RWFREFI2=1;
   ELSE RWFREFI2=0;
IF RWCBTOT2<(RWDFTOT2-350) THEN RWLWRFI2=1;
   ELSE RWLWRFI2=0;

IF RWFREFI2=1 THEN RWBENE2= RWDFTOT2-RWCBTOT2;
   ELSE RWBENE2=.;
IF RWLWRFI2=1 THEN LRWBENE2= RWDFTOT2-350-RWCBTOT2;
   ELSE LRWBENE2=.;

   RWNET2 = RWDFTOT2 - RWCBTOT2;

IF RWFREFI2=1 THEN RWPCTPD2= RWCBTOT2/RWDFTOT2;
IF RWFREFI2=0 THEN RWPCTPD2= .;


KEEP DDFTOT DCBTOT DUSEFED DFREFILE DLWRFILE DPCTPD DNET 
     DCDFTOT DCCBTOT DCUSEFED DCFREFIL DCLWRFIL DCPCTPD DCNET
     DRDFTOT DRCBTOT DRUSEFED DRFREFIL DRLWRFIL DRPCTPD DRNET
     WDFTOT WCBTOT WUSEFED WFREFILE WLWRFILE WPCTPD WNET
     WDFTOT2 WCBTOT2 WUSEFED2 WFREFIL2 WLWRFIL2 WPCTPD2 WNET2
     CWDFTOT CWCBTOT CWUSEFED CWFREFIL CWLWRFIL CWPCTPD CWNET
     CWDFTOT2 CWCBTOT2 CWUSEFD2 CWFREFI2 CWLWRFI2 CWPCTPD2 CWNET2
     RWDFTOT RWCBTOT RWUSEFED RWFREFIL RWLWRFIL RWPCTPD RWNET
     RWDFTOT2 RWCBTOT2 RWUSEFD2 RWFREFI2 RWLWRFI2 RWPCTPD2 RWNET2
     DBENE LDBENE FDCBENE FDRBENE WBENE LWBENE WBENE2 LWBENE2 
     CWBENE LCWBENE CWBENE2 LCWBENE2 RWBENE LRWBENE RWBENE2 
     LRWBENE2 WGT Rnetw3in Y1 STA;
RUN;

PROC SORT; BY STA; RUN;

PROC UNIVARIATE data= file.reform NOPRINT;
VAR  DBENE FDCBENE FDRBENE WBENE WBENE2 CWBENE CWBENE2 RWBENE RWBENE2;
BY STA;
WEIGHT WGT;
OUTPUT OUT=BENE3
MEDIAN= dDBENE dFDCBENE dFDRBENE dWBENE dWBENE2 dCWBENE dCWBENE2 
    dRWBENE dRWBENE2;
RUN;

PROC MEANS MEAN NOPRINT DATA=file.REFORM;
VAR DUSEFED DFREFILE DLWRFILE DPCTPD WUSEFED WFREFILE WLWRFILE WPCTPD
    DCUSEFED DCFREFIL DCLWRFIL DCPCTPD DRUSEFED DRFREFIL DRLWRFIL DRPCTPD
    WUSEFED2 WFREFIL2 WLWRFIL2 WPCTPD2 CWUSEFED CWFREFIL CWLWRFIL CWPCTPD
    CWUSEFD2 CWFREFI2 CWLWRFI2 CWPCTPD2 RWUSEFED RWFREFIL RWLWRFIL RWPCTPD
    RWUSEFD2 RWFREFI2 RWLWRFI2 RWPCTPD2 DBENE FDCBENE FDRBENE WBENE WBENE2 
    CWBENE CWBENE2 RWBENE RWBENE2 DNET DCNET DRNET WNET WNET2 CWNET CWNET2
    RWNET RWNET2;
WEIGHT WGT;
BY STA;
OUTPUT OUT=SMEANS3
MEAN= DUSEFED DFREFILE DLWRFILE DPCTPD WUSEFED WFREFILE WLWRFILE WPCTPD
    DCUSEFED DCFREFIL DCLWRFIL DCPCTPD DRUSEFED DRFREFIL DRLWRFIL DRPCTPD
    WUSEFED2 WFREFIL2 WLWRFIL2 WPCTPD2 CWUSEFED CWFREFIL CWLWRFIL CWPCTPD
    CWUSEFD2 CWFREFI2 CWLWRFI2 CWPCTPD2 RWUSEFED RWFREFIL RWLWRFIL RWPCTPD
    RWUSEFD2 RWFREFI2 RWLWRFI2 RWPCTPD2 DBENE FDCBENE FDRBENE WBENE WBENE2 
    CWBENE CWBENE2 RWBENE RWBENE2 DNET DCNET DRNET WNET WNET2 CWNET CWNET2
    RWNET RWNET2;
RUN;


data txla; 
set file.reform(keep=
rnetw3in sta dfrefile dcfrefil drfrefil wfrefile wfrefil2 cwfrefil 
  cwfrefi2 rwfrefil rwfrefi2 dbene fdcbene fdrbene wbene wbene2 cwbene 
  cwbene2 rwbene rwbene2);
if sta='TX' or sta='LA';
proc sort; by sta rnetw3in; run;
proc means mean noprint;
by sta rnetw3in;
var dfrefile dcfrefil drfrefil wfrefile wfrefil2 cwfrefil cwfrefi2 
  rwfrefil rwfrefi2;
output out=afile
mean= dfrefile dcfrefil drfrefil wfrefile wfrefil2 cwfrefil cwfrefi2 
  rwfrefil rwfrefi2;
run;
proc univariate noprint data=txla; 
by sta rnetw3in;
var dbene fdcbene fdrbene wbene wbene2 cwbene cwbene2 rwbene rwbene2;
output out=abene
median= dbene fdcbene fdrbene wbene wbene2 cwbene cwbene2 rwbene rwbene2;
run;

data adec3; merge afile abene; by sta rnetw3in; run;

proc datasets;
delete AL AR AZ CA CO CT DC FL GA IA IL KS KY LA MA MD MI
      MN MO MS NC ND NH NJ NY OH OK OR PA RI SC TN TX UT
      VA WA WI WV WY txla afile abene;
run;

proc datasets library=file memtype=data;
delete reform;
run;

DATA file.adecs; MERGE adec1 adec2 adec3; by sta rnetw3in; run;
proc datasets;
delete adec1 adec2 adec3; run;

DATA SMEANS; MERGE SMEANS1 SMEANS2 SMEANS3 BENE1 BENE2 BENE3; BY STA; RUN;
proc datasets;
delete smeans1 smeans2 smeans3 bene1 bene2 bene3; run;

DATA US;
SET SMEANS;
IF STA='AL' THEN SWGT=1507;
IF STA='AR' THEN SWGT=891;
IF STA='AZ' THEN SWGT=1369;
IF STA='CA' THEN SWGT=10381;
IF STA='CO' THEN SWGT=1282;
IF STA='CT' THEN SWGT=1230;
IF STA='DC' THEN SWGT=250;
IF STA='FL' THEN SWGT=5135;
IF STA='GA' THEN SWGT=2367;
IF STA='IA' THEN SWGT=1064;
IF STA='IL' THEN SWGT=4202;
IF STA='KS' THEN SWGT=945;
IF STA='KY' THEN SWGT=1380;
IF STA='LA' THEN SWGT=1499;
IF STA='MA' THEN SWGT=2247;
IF STA='MD' THEN SWGT=1749;
IF STA='MI' THEN SWGT=3419;
IF STA='MN' THEN SWGT=1648;
IF STA='MO' THEN SWGT=1961;
IF STA='MS' THEN SWGT=911;
IF STA='NC' THEN SWGT=2517;
IF STA='ND' THEN SWGT=241;
IF STA='NH' THEN SWGT=411;
IF STA='NJ' THEN SWGT=2795;
IF STA='NY' THEN SWGT=6639;
IF STA='OH' THEN SWGT=4088;
IF STA='OK' THEN SWGT=1206;
IF STA='OR' THEN SWGT=1103;
IF STA='PA' THEN SWGT=4496;
IF STA='RI' THEN SWGT=378;
IF STA='SC' THEN SWGT=1258;
IF STA='TN' THEN SWGT=1854;
IF STA='TX' THEN SWGT=6071;
IF STA='UT' THEN SWGT=537;
IF STA='VA' THEN SWGT=2292;
IF STA='WA' THEN SWGT=1872;
IF STA='WI' THEN SWGT=1822;
IF STA='WV' THEN SWGT=689;
IF STA='WY' THEN SWGT=169;

STA='US';

PROC MEANS MEAN NOPRINT; 
WEIGHT SWGT;
VAR NUSEFED FREEFILE LWRFILE NPCTPD LNPCTPD CUSEFED CFREFILE CLWRFILE CPCTPD
    RUSEFED RFREFILE RLWRFILE RPCTPD SRUSEFED SRFREFIL SRLWRFIL SRPCTPD 
    DUSEFED DFREFILE DLWRFILE DPCTPD SCUSEFED SCFREFIL SCLWRFIL SCPCTPD
    DCUSEFED DCFREFIL DCLWRFIL DCPCTPD DRUSEFED DRFREFIL DRLWRFIL DRPCTPD
    WUSEFED WFREFILE WLWRFILE WPCTPD WUSEFED2 WFREFIL2 WLWRFIL2 WPCTPD2
    CWUSEFED CWFREFIL CWLWRFIL CWPCTPD CWUSEFD2 CWFREFI2 CWLWRFI2 CWPCTPD2
    RWUSEFED RWFREFIL RWLWRFIL RWPCTPD RWUSEFD2 RWFREFI2 RWLWRFI2 RWPCTPD2
    DISCDEBT DISC350 ASSET INCOME SQASSET SQINCOME HOUSECL ELDERLY DEPS
    NDEPS JOBLOSS RACECL MORCARDB
    NBENE LNBENE CBENE RBENE SRBENE DBENE FDCBENE FDRBENE WBENE WBENE2 
    CWBENE CWBENE2 RWBENE RWBENE2 SCBENE
    DNBENE DLNBENE DCBENE DRBENE DSRBENE DDBENE DFDCBENE DFDRBENE DWBENE 
    DWBENE2 DCWBENE DCWBENE2 DRWBENE DRWBENE2 DSCBENE
    NNET CNET RNET SRNET SCNET DNET DCNET DRNET WNET WNET2 CWNET CWNET2
    RWNET RWNET2;
OUTPUT OUT=UMEANS
MEAN= NUSEFED FREEFILE LWRFILE NPCTPD LNPCTPD CUSEFED CFREFILE CLWRFILE CPCTPD
    RUSEFED RFREFILE RLWRFILE RPCTPD SRUSEFED SRFREFIL SRLWRFIL SRPCTPD 
    DUSEFED DFREFILE DLWRFILE DPCTPD SCUSEFED SCFREFIL SCLWRFIL SCPCTPD
    DCUSEFED DCFREFIL DCLWRFIL DCPCTPD DRUSEFED DRFREFIL DRLWRFIL DRPCTPD
    WUSEFED WFREFILE WLWRFILE WPCTPD WUSEFED2 WFREFIL2 WLWRFIL2 WPCTPD2
    CWUSEFED CWFREFIL CWLWRFIL CWPCTPD CWUSEFD2 CWFREFI2 CWLWRFI2 CWPCTPD2
    RWUSEFED RWFREFIL RWLWRFIL RWPCTPD RWUSEFD2 RWFREFI2 RWLWRFI2 RWPCTPD2
    DISCDEBT DISC350 ASSET INCOME SQASSET SQINCOME HOUSECL ELDERLY DEPS
    NDEPS JOBLOSS RACECL MORCARDB
    NBENE LNBENE CBENE RBENE SRBENE DBENE FDCBENE FDRBENE WBENE WBENE2 
    CWBENE CWBENE2 RWBENE RWBENE2 SCBENE
    DNBENE DLNBENE DCBENE DRBENE DSRBENE DDBENE DFDCBENE DFDRBENE DWBENE 
    DWBENE2 DCWBENE DCWBENE2 DRWBENE DRWBENE2 DSCBENE
    NNET CNET RNET SRNET SCNET DNET DCNET DRNET WNET WNET2 CWNET CWNET2
    RWNET RWNET2;
RUN;

DATA FILE.MEANS;
SET SMEANS UMEANS;
RUN;

/*
options ps=256 ls=256;

DATA _NULL_;
SET FILE.MEANS;
FILE '/users/scratch/wendy/scf/means1.txt';
PUT STA $ 1-3 @6 NUSEFED 8.6
  @16 FREEFILE 8.6
  @25 LWRFILE 8.6
  @34 NPCTPD 8.6
  @43 CUSEFED 8.6
  @52 CFREFILE 8.6
  @61 CLWRFILE 8.6
  @70 CPCTPD  8.6
  @79 RUSEFED 8.6
  @88 RFREFILE 8.6
  @97 RLWRFILE 8.6
 @106 RPCTPD  8.6
 @115 SRUSEFED 8.6
 @124 SRFREFIL 8.6
 @133 SRLWRFIL 8.6
 @142 SRPCTPD 8.6
 @151 DUSEFED 8.6
 @160 DFREFILE 8.6
 @169 DLWRFILE 8.6
 @178 DPCTPD  8.6
 @187 WUSEFED 8.6
 @196 WFREFILE 8.6
 @205 WLWRFILE 8.6
 @214 WPCTPD  8.6
 @223 WUSEFED2 8.6
 @232 WFREFIL2 8.6
 @241 WLWRFIL2 8.6
 @250 WPCTPD2 8.6
 @259 CWUSEFED 8.6
 @268 CWFREFIL 8.6
 @277 CWLWRFIL 8.6
 @286 CWPCTPD 8.6
 @295 CWUSEFD2 8.6
 @304 CWFREFI2 8.6
 @313 CWLWRFI2 8.6
 @322 CWPCTPD2 8.6
 @331 RWUSEFED 8.6
 @340 RWFREFIL 8.6
 @349 RWLWRFIL 8.6
 @358 RWPCTPD  8.6
 @367 RWUSEFD2 8.6
 @376 RWFREFI2 8.6
 @385 RWLWRFI2 8.6
 @394 RWPCTPD2 8.6
 @403 DISCDEBT 8.6
 @412 DISC350 8.6
 @422 ASSET 8
 @432 INCOME  8
 @442 SQASSET 8
 @452 SQINCOME 8
 @462 HOUSECL 8.6
 @472 ELDERLY 8.6
 @482 DEPS    8.6
 @492 NDEPS   8.6
 @502 JOBLOSS 8.6
 @512 RACECL  8.6
 @522 MORCARDB 8
;
run;

*/