#delimit ;

clear;

set mem 300m;

use "c:\ErikMain\car_rates\scf_data\scf_cars.dta", clear ; 

gen male = x8021 == 1;
gen married_2 = x8023 == 1;
gen v_own = x2201 == 1;
rename x2202 v_num;
rename x2203 v_type;
rename x2205 v_modelyr;
rename x8166 v_bluebook;
gen v_new = x7543 == 1;
rename x7540 v_yracquire;
gen v_hvloan = x2206 == 1;
rename x2208 v_loanyr;
rename x2209 v_loanamt;
gen v_regloan = x2210 == 1;
rename x2211 v_numpmts;
rename x2213 v_loanpmt;
rename x7537 v_pmtper;
rename x2218 v_rembalance;
rename x2219 v_rate;
rename x9102 v_whereloan;

rename x6788 been_lucky;
rename x7100 do_shop_for_loans;
gen apply_loan_5yrs = x7131 == 1;

gen turned_down_5yrs = (x407 == 1 | x407 == 2);

gen turned_down_car_5yrs = x7584 == 2;
gen turned_down_mortgage = x7584 == 1;
gen turned_down_credit = x7584 == 4;
gen turned_down_install = x7584 == 3;
gen turned_down_store= x7584 == 6;

gen turned_down_otherhome = x7584 == 17| x7584 == 19 | x7584 == 23 ;
gen turned_down_student = x7584 == 22;
gen turned_down_business = x7584 == 18;

gen turned_down_personal = x7584 == 20| x7584 == 21 ;
gen discouraged_borrower = x409 == 1;

rename x717 h_origprice ;
gen h_havmort = x723 == 1;
gen h_mortfha = x724 == 1;
gen h_mortpmi = x725 == 1;

rename x802 h_mortyr;
rename x804 h_origmort ;
rename x806 h_mortlength;
rename x816 h_rate;
gen h_mortvariable = x820 == 1;

gen sometimes_late = x3004 == 5;
gen latebills_2mos = x3005 == 1;
gen everbankrupt = x6772 == 1;

rename x4115 yrs_on_job;

replace v_rate = v_rate/100;

gen age_20 = age >=20 & age < 25; 
gen age_25 = age >=25 & age < 30; 
gen age_30 = age >=30 & age < 35; 
gen age_35 = age >=35 & age < 40; 
gen age_40 = age >=40 & age < 45; 
gen age_45 = age >=45 & age < 50; 
gen age_50 = age >=50 & age < 55; 
gen age_55 = age >=55 & age < 60;

gen ed_a = educ < 11.5;
gen ed_b = educ >= 11.5 & educ <= 12.5 ;
gen ed_c = educ > 12.5 & educ < 15.5;
gen ed_d = educ >= 15.5;

gen other_race = race > 2 &  race < . ;

replace income = income * 194.1/140.2 if year == 92; 
replace income = income * 194.1/152.5 if year == 95; 
replace income = income * 194.1/163.0 if year == 98; 
replace income = income * 194.1/177.8 if year == 01; 

gen ln_income = ln(income);
gen income_sq = income^2;
gen income_cube = income^3;
gen income_4 = income^4;

replace v_numpmts = v_numpmts * 4.3 if v_pmtper == 2;
replace v_numpmts = v_numpmts * 2.15 if v_pmtper == 3;

replace v_loanpmt = v_loanpmt * 4.3 if v_pmtper == 2;
replace v_loanpmt = v_loanpmt * 2.15 if v_pmtper == 3;

gen v_loan_2yr = v_numpmts  >= 18 & v_numpmts < 30;
gen v_loan_3yr = v_numpmts  >= 30 & v_numpmts < 42;
gen v_loan_4yr = v_numpmts  >= 42 & v_numpmts < 54;
gen v_loan_5yr = v_numpmts  >= 54 & v_numpmts < 66;
gen v_loan_6yr = v_numpmts  >= 66 & v_numpmts < 78;
gen v_loan_7yr = v_numpmts  >= 78 & v_numpmts < 90;

gen v_buy86 = v_loanyr == 1986; 
gen v_buy87 = v_loanyr == 1987;
gen v_buy88 = v_loanyr == 1988;
gen v_buy89 = v_loanyr == 1989; 
gen v_buy90 = v_loanyr == 1990;
gen v_buy91 = v_loanyr == 1991;
gen v_buy92 = v_loanyr == 1992;
gen v_buy93 = v_loanyr == 1993;
gen v_buy94 = v_loanyr == 1994;
gen v_buy95 = v_loanyr == 1995;
gen v_buy96 = v_loanyr == 1996;
gen v_buy97 = v_loanyr == 1997;
gen v_buy98 = v_loanyr == 1998;
gen v_buy99 = v_loanyr == 1999;
gen v_buy00 = v_loanyr == 2000;
gen v_buy01 = v_loanyr == 2001;

gen v_buywithin_3yr = (year == 01 & v_loanyr >= 1998) | (year == 98 & v_loanyr >= 1995) | (year == 95 & v_loanyr >= 1992) | (year == 92 & v_loanyr >= 1989) | (year == 89 & v_loanyr >= 1986) ;


gen ln_vrate = ln(v_rate);


replace v_new = 1 if (year == 89 & v_loanyr == 1986 & v_modelyr == 1986) | (year == 89 & v_loanyr == 1987 & v_modelyr == 1987) | (year == 89 & v_loanyr == 1988 & v_modelyr == 1988) | (year == 89 & v_loanyr == 1989 & v_modelyr == 1989) ;


replace income = income * 194.1/140.2 if year == 92; 
replace income = income * 194.1/152.5 if year == 95; 
replace income = income * 194.1/163.0 if year == 98; 
replace income = income * 194.1/177.8 if year == 01; 

replace checking = checking * 194.1/140.2 if year == 92; 
replace checking = checking * 194.1/152.5 if year == 95; 
replace checking = checking * 194.1/163.0 if year == 98; 
replace checking = checking * 194.1/177.8 if year == 01; 

replace saving = saving * 194.1/140.2 if year == 92; 
replace saving = saving * 194.1/152.5 if year == 95; 
replace saving = saving * 194.1/163.0 if year == 98; 
replace saving = saving * 194.1/177.8 if year == 01; 

replace liq = liq * 194.1/140.2 if year == 92; 
replace liq = liq * 194.1/152.5 if year == 95; 
replace liq = liq * 194.1/163.0 if year == 98; 
replace liq = liq * 194.1/177.8 if year == 01; 

replace stocks = stocks * 194.1/140.2 if year == 92; 
replace stocks = stocks * 194.1/152.5 if year == 95; 
replace stocks = stocks * 194.1/163.0 if year == 98; 
replace stocks = stocks * 194.1/177.8 if year == 01; 

replace bond = bond * 194.1/140.2 if year == 92; 
replace bond = bond * 194.1/152.5 if year == 95; 
replace bond = bond * 194.1/163.0 if year == 98; 
replace bond = bond * 194.1/177.8 if year == 01; 

replace equity = equity * 194.1/140.2 if year == 92; 
replace equity = equity * 194.1/152.5 if year == 95; 
replace equity = equity * 194.1/163.0 if year == 98; 
replace equity = equity * 194.1/177.8 if year == 01; 

replace asset = asset * 194.1/140.2 if year == 92; 
replace asset = asset * 194.1/152.5 if year == 95; 
replace asset = asset * 194.1/163.0 if year == 98; 
replace asset = asset * 194.1/177.8 if year == 01; 

replace ccbal = ccbal * 194.1/140.2 if year == 92; 
replace ccbal = ccbal * 194.1/152.5 if year == 95; 
replace ccbal = ccbal * 194.1/163.0 if year == 98; 
replace ccbal = ccbal * 194.1/177.8 if year == 01; 

replace debt = debt * 194.1/140.2 if year == 92; 
replace debt = debt * 194.1/152.5 if year == 95; 
replace debt = debt * 194.1/163.0 if year == 98; 
replace debt = debt * 194.1/177.8 if year == 01; 

replace networth = networth * 194.1/140.2 if year == 92; 
replace networth = networth * 194.1/152.5 if year == 95; 
replace networth = networth * 194.1/163.0 if year == 98; 
replace networth = networth * 194.1/177.8 if year == 01; 

replace v_loanpmt = v_loanpmt * 194.1/140.2 if year == 92; 
replace v_loanpmt = v_loanpmt * 194.1/152.5 if year == 95; 
replace v_loanpmt = v_loanpmt * 194.1/163.0 if year == 98; 
replace v_loanpmt = v_loanpmt * 194.1/177.8 if year == 01; 

replace v_bluebook =  v_bluebook  * 194.1/140.2 if year == 92; 
replace v_bluebook =  v_bluebook  * 194.1/152.5 if year == 95; 
replace v_bluebook =  v_bluebook  * 194.1/163.0 if year == 98; 
replace v_bluebook =  v_bluebook  * 194.1/177.8 if year == 01; 

replace v_loanamt = v_loanamt * 194.1/140.2 if year == 92; 
replace v_loanamt = v_loanamt * 194.1/152.5 if year == 95; 
replace v_loanamt = v_loanamt * 194.1/163.0 if year == 98; 
replace v_loanamt = v_loanamt * 194.1/177.8 if year == 01;

replace v_rembalance = v_rembalance * 194.1/140.2 if year == 92; 
replace v_rembalance = v_rembalance * 194.1/152.5 if year == 95; 
replace v_rembalance = v_rembalance * 194.1/163.0 if year == 98; 
replace v_rembalance = v_rembalance * 194.1/177.8 if year == 01;

gen ln_blue = ln(v_bluebook);
gen ln_loanamt = ln(v_loanamt);
gen ln_vbal =  ln(v_rembalance);

gen ownhome = hequity > 0 ;


gen v_lbank = v_whereloan <= 12.5 & v_whereloan > 10.5;
gen v_lcredit = v_whereloan <= 13.5 & v_whereloan > 12.5;
gen v_lfinance = v_whereloan <= 14.5 & v_whereloan > 13.5;
gen v_ldealer = v_whereloan <= 15.5 & v_whereloan > 14.5 ; 
gen v_lgmac = v_whereloan <= 21.5 & v_whereloan > 20.5 ;
gen v_lgmac_2 =  v_lgmac == 1 |  v_ldealer == 1 ;
gen v_lobserved = v_lfinance == 1 | v_ldealer == 1 | v_lbank == 1 | v_lcredit == 1 | v_lgmac == 1 ;

gen v_lanyfinance = v_lfinance == 1 | v_lgmac_2 == 1;

gen atlernate_lender = v_ldealer == 1 | v_lfinance == 1 ; 

gen bad_type1 = turned_down_5yrs == 1 | turned_down_car_5yrs == 1 | latebills_2mos == 1 | sometimes_late == 1 | everbankrupt == 1 ; 
gen bad_type2 = turned_down_5yrs == 1 | turned_down_car_5yrs == 1 | latebills_2mos == 1 | sometimes_late == 1 | everbankrupt == 1 | discouraged_borrower == 1;

gen v_equity_main = v_bluebook -  v_rembalance;

gen v_nonbank = v_lbank == 0 & v_lcredit == 0;

gen shop_around =  do_shop_for_loans == 1;

gen ownsaving = saving > 0 ;
gen ownchecking = checking  > 0 & checking < . ;
gen owncreditcard = ccbal > 0 & ccbal < . ; 
gen own_chk_sav = ownchecking == 1 | ownsaving == 1;


gen ln_nw = ln(networth);
gen networth_pos = networth > 0 ; 
replace ln_nw = 0 if ln_nw == . ;

gen ln_asset = ln(asset);
replace ln_asset = 0 if ln_asset == .;

gen ln_ccbal = ln(ccbal);
replace ln_ccbal = 0 if ln_ccbal == .;

gen ln_liq = ln(liq);
replace ln_liq = 0 if ln_liq ==  . ;
gen liq_pos = liq > 0;

xxx

/*  Table 1 */;

#delimit ; 

sort black;

by black:  sum v_rate v_loanpmt v_numpmts v_loanamt v_bluebook ltv [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 , detail;

#delimit ;

reg v_rate black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, robust;

qreg v_rate black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, nolog;

reg v_loanpmt black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, robust;


reg v_numpmts black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, robust;


reg v_loanamt black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, robust;


reg v_bluebook black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, robust;



#delimit ;

by black:  sum v_rate v_loanpmt v_numpmts v_loanamt v_bluebook ltv [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 1 & v_lobserved == 1, detail;

reg v_rate black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 1 & v_lobserved == 1, robust;

qreg v_rate black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 1 & v_lobserved == 1, nolog;

reg v_loanpmt black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 1 & v_lobserved == 1, robust;
 

reg v_numpmts black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 1 & v_lobserved == 1, robust;


reg v_loanamt black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 1 & v_lobserved == 1 , robust;


reg v_bluebook black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 1 & v_lobserved == 1, robust;





#delimit ;

by black:  sum v_rate v_loanpmt v_numpmts v_loanamt v_bluebook [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, detail;

reg v_rate black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, robust;

qreg v_rate black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, nolog;

reg v_loanpmt black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, robust;


reg v_numpmts black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, robust;


reg v_loanamt black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, robust;


reg v_bluebook black [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, robust;




/* table 2 */ ;

#delimit ;

sort black; 

sum v_lbank v_lcredit v_lfinance v_lgmac_2 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 ;

by black:  sum v_lbank v_lcredit v_lfinance v_lgmac_2 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1;

#delimit ;

sum v_lbank v_lcredit v_lfinance v_lgmac_2 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & v_new == 1 ;

by black:  sum v_lbank v_lcredit v_lfinance v_lgmac_2 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1 ;

#delimit ; 

sum v_lbank v_lcredit v_lfinance v_lgmac_2 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & 
v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 & 
 other_race == 0 & year ~= 89 & v_pmtper == 4 & v_lobserved == 1 & v_new == 0 ;

by black:  sum v_lbank v_lcredit v_lfinance v_lgmac_2 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0 ;

/* table 3 */ ; 

#delimit ;

sort v_lanyfinance black;

by v_lanyfinance:  sum v_rate [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, detail;

by v_lanyfinance black:  sum v_rate [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, detail;

#delimit ;

sort v_lanyfinance black;

by v_lanyfinance:  sum v_rate [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, detail;

by v_lanyfinance black:  sum v_rate [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, detail;


#delimit ;

sort v_lanyfinance black;

by v_lanyfinance:  sum v_rate [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, detail;

by v_lanyfinance black:  sum v_rate [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, detail;


/* table 4 */

#delimit;

sort black;

by black:  sum turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt bad_type1 ownsaving ownchecking 
ownhome owncreditcard discouraged_borrower
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90) 
&  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & v_pmtper == 4  & v_lobserved == 1, ;

/* table 5 */ ; 

#delimit ;

sort v_lanyfinance black;

by v_lanyfinance:  sum bad_type1 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 , ;

by v_lanyfinance black:  sum bad_type1 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 , ;

by v_lanyfinance:  sum bad_type1 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, ;

by v_lanyfinance black:  sum bad_type1 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, ;

by v_lanyfinance:  sum bad_type1 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;

by v_lanyfinance black:  sum bad_type1 [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;

/* table 6 */ ; 

#delimit ;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55   
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos male
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55  male 
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos discouraged_borrower
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, robust;


#delimit ;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1 , robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1 , robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55   male
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55   male
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos discouraged_borrower
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, robust;


#delimit ;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0 , robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0 , robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55   male
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, robust;

reg v_lanyfinance black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55  male 
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos discouraged_borrower
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, robust;

/* table 7 */ ; 



/* panel A */

#delimit ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, ;


reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new  
v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, ;

#delimit ;
reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55  male 
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, ;


#delimit ;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01
  [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90)
 &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & v_pmtper == 4  & v_lobserved == 1, 
nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, nolog;


qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new  
v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, nolog;

#delimit ;
qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55   male
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, nolog;


/* panel B */

#delimit ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, ;


reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new  
v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, ;

#delimit ;
reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55  male 
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, robust;


#delimit ;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01
  [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90)
 &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & v_pmtper == 4  & v_lobserved == 1 & v_new == 1, 
nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, nolog;


qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new  
v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, nolog;

#delimit ;
qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55 male   
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 1, nolog;




/* panel c */

#delimit ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;


reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new  
v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;

#delimit ;
reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55 male  
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;


#delimit ;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01
  [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90)
 &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & v_pmtper == 4  & v_lobserved == 1 & v_new == 0, 
nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, nolog;


qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new  
v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, nolog;

#delimit ;
qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55  male 
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, nolog;


/* table 8 */ ; 

/* row I */

#delimit ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_lanyfinance == 0, ;


#delimit ;
reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new male
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_lanyfinance == 0, ;



#delimit ;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01
  [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90)
 &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & v_pmtper == 4  & v_lobserved == 1 
& v_lanyfinance == 0, 
nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_lanyfinance == 0, nolog;


/* row II */;

#delimit ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_lanyfinance == 1, ;



reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_lanyfinance == 1, ;


#delimit ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_lanyfinance == 1 & v_new == 1, ;



reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_lanyfinance == 1 & v_new == 1, ;



#delimit ;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01
  [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90)
 &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & v_pmtper == 4  & v_lobserved == 1 
& v_lanyfinance == 1, 
nolog;

qreg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome 
owncreditcard  ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new  [aw = wgt] 
if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  (v_numpmts >= 18 & v_numpmts < 90) 
&  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & v_pmtper == 4  & v_lobserved == 1 
& v_lanyfinance == 1, nolog;



reg v_rate black  v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01   
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new   ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55   
ownsaving ownchecking owncreditcard  ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos  ownhome  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt  discouraged_borrower   
v_lcredit v_lfinance v_ldealer v_lgmac  [aw = wgt] if v_hvloan == 1 & v_rate >= 3 & v_rate < 22 & 
v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 & 
year ~= 89  & other_race == 0



/* woman analysis */;

#delimit ;

sort male married;

by male:  sum v_rate  [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_new == 0 & v_lobserved == 1, detail;

reg v_rate male [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 , robust;

qreg v_rate male [aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 , nolog;

#delimit ;

reg v_rate male  v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01   
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new   ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & 
v_buywithin_3yr == 1 & (v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 & 
year ~= 89  & other_race == 0 & v_pmtper == 4 & v_lobserved == 1, robust;


/* stuff for mel */

/*  Table 1 */;

#delimit ; 

sort black;

by black:  sum v_rate  [aw = wgt] if v_hvloan == 1 &  v_rate >= 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, detail ;

by black:  sum v_rate  [aw = wgt] if v_hvloan == 1 &  v_rate <= 1.7 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1, detail ;

#delimit;

tab v_rate  [aw = wgt] if v_hvloan == 1 &  v_rate <= 1.7 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & black == 0 ;

#delimit;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7  & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1, ;

#delimit ;
reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55 male  
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;

reg v_rate black v_buy90 v_buy91 v_buy92 v_buy93 v_buy94 v_buy95 v_buy96 v_buy97 v_buy98 v_buy99 v_buy00 v_buy01  
turned_down_5yrs turned_down_car_5yrs sometimes_late latebills_2mos everbankrupt ownsaving ownchecking ownhome owncreditcard 
ln_blue ln_loanamt  v_loan_3yr v_loan_4yr v_loan_5yr v_loan_6yr v_loan_7yr  v_new 
ln_income income  
income_sq income_cube income_4   ed_b ed_c ed_d  age_25 age_30 age_35 age_40 age_45 age_50 age_55 male  
ln_nw networth_pos ln_asset ln_ccbal ln_liq liq_pos v_lanyfinance
[aw = wgt] if v_hvloan == 1 & v_rate > 0  & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4  & v_lobserved == 1 & v_new == 0, ;

#delimit ; 

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownsaving == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownsaving == 0 ;

reg v_lanyfinance  ownsaving [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1;

#delimit ; 

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & owncreditcard == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & owncreditcard  == 0 ;


#delimit ; 

gen own_savecheck = ownsaving == 1 | ownchecking == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & own_savecheck== 1 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & own_savecheck== 1 & black == 0;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & own_savecheck== 0 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & own_savecheck== 0 & black == 0;


#delimit ;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownchecking == 1 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownchecking == 1 & black == 0;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownchecking == 0 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownchecking == 0 & black == 0;


#delimit ;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownsaving == 1 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownsaving== 1 & black == 0;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownsaving== 0 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownsaving== 0 & black == 0;


#delimit ;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownhome == 1 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownhome == 1 & black == 0;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownhome == 0 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & ownhome == 0 & black == 0;

#delimit ;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & owncreditcard == 1 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & owncreditcard == 1 & black == 0;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 &  
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & owncreditcard == 0 & black == 1;

sum v_lanyfinance  [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1 & owncreditcard == 0 & black == 0;


#delimit ;

reg v_lanyfinance  ownchecking [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1;

reg v_lanyfinance  own_savecheck [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1;

reg v_lanyfinance  ownhome [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1;

reg v_lanyfinance  owncreditcard [aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 
& (v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 & 
v_pmtper == 4 & v_lobserved == 1;


#delimit ; 

sort black;

by black:  sum  
turned_down_car_5yrs turned_down_mortgage turned_down_credit turned_down_install 
turned_down_store turned_down_otherhome turned_down_student turned_down_business turned_down_personal 
[aw = wgt] if v_hvloan == 1 &  v_rate > 1.7 & v_rate < 21.8 & v_buywithin_3yr == 1 & 
(v_numpmts >= 18 & v_numpmts < 90) &  turned_down_5yrs ~= .  & age >=20 & age < 55 &  other_race == 0 & year ~= 89 
& v_pmtper == 4 & v_lobserved == 1,;